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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX, XXXX : # XXXX, XXXX. XXXX, XXXX, # XXXX, XXXX XXXX # XXXX, XXXX XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a5 ) 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.
Product: Debt collection

Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit accounts are the results of identity theft and fraud.
Product: Checking or savings account

XX/XX/2022, at XXXXXXXX XXXX there was an atm withdrawal of {$1000.00} dollars from my Bank of America Visa Debit card at XXXX in XXXX, store XXXX following a second withdrawal for {$1000.00} dollars XX/XX/2022, at XXXXXXXX XXXX. This VISA card was with me at all times and I had my card with me at all times.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The The list of documented accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DEPT OF EDXXXX XXXX : Account # XXXX Account # XXXX Account # XXXX Account XXXXXXXX XXXX XXXX : Account # XXXX Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXXXXXX XXXX Accounts : Account # XXXXXXXX XXXX XXXXo : Accounts XXXXXXXX XXXX  XXXX : Accounts # XXXX Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 605 A section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s -2 section ( A ) ( 1 ) s 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

DID NOT AUTHORIZE THESE COMPANIES TO ACCESS CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My loan was sold to this company by XXXX. XXXX sent them over the money for the payment for this month and roundpoint will not apply it. I called roundpoint and they confirmed that they received the money and when asked why they haven't applied it, i was told that " they are still waiting on paperwork from XXXX  '' Why do they need paperwork from XXXX  to apply my payment? Why would a company buy a loan from another 2 months ago and now they have possession of to loan without " paperwork ''? It sounds fake to me
Product: Debt collection

I had a spider issue so I called XXXX on XX/XX/XXXX. I paid for 3 months of service to spray for spiders. I did not see any decrease in spiders at all so I canceled the service. I got confirmation of the cancelation of service and no amount due. 

But after that I got a dozen letters with due bills from XXXX saying things like my account was overdue and I must pay now. I threw the first few away knowing they were spam but they kept coming, so I called XXXX and confirmed I did not have any outstanding balance. I told them to stop sending me spam bills. 

But the bills kept coming and a month later I got a collections letter from Nationwide Credit which it said my outstanding balance with XXXX was referred to a collections agency and I must pay. I called XXXX again and they again confirmed I have no balance and my service is canceled. They promised they would follow up with the collections agency. But they have not followed up with any of my complaints and I keep getting bills that I do not owe ( still coming as of now which is XX/XX/XXXX )
Product: Debt collection

Ive attached below the documentation proof showing that the account has been paid in full. I would like to request this notification be sent to XXXX to update my credit report
Product: Checking or savings account

I experienced an issue with an ATM deposit at the XXXX XXXX branch in XXXX XXXXXXXX XXXX  On XX/XX/year>, around XXXX XXXX XXXX, I deposited approximately {$1500.00} intended to pay my rent. Unfortunately, the funds never appeared in my account. 

When I contacted the bank to report the issue, the bank employee handling my claim incorrectly recorded the ATM address, which has delayed the resolution of this matter. As a result of this mistake, I am still without my funds and have incurred additional fees from my landlord due to the inability to pay rent on time. 

This situation has caused significant financial stress and has negatively impacted my financial standing. The negligence on the part of the banks employee has prevented the timely recovery of my funds. 

Resolution Sought : I am requesting the following : XXXX. Immediate credit of the deposit amount ( {$1500.00} ) to my account. 
XXXX. Compensation for any fees or penalties incurred as a result of this error. 
XXXX. Assurance that the error in processing my claim, including the incorrect ATM address, will be addressed to prevent future occurrences. 

Supporting Documentation : I can provide the following evidence : A message confirming my debit card was retained by this ATM during my deposit error. 
Communication records with the bank about this incident. 

I believe this matter needs urgent attention and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( by marriage ) Date of Birth : Feburary XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX On XX/XX/XXXX I contacted Transunion by phone at XXXX at XXXX by my phone number ( XXXX ) XXXX. I called and asked to be connected to the fraud department due to 11 UNVERIFIED AND UNAUTHORIZED Hard inquiries on my account. I explain to them that these Hard inquiries were made WITHOUT PERMISSIBLE USE on MULTIPLE OCCASSIONS and that due to the FAIR CREDIT REPORTING ACT THEY MUST BE REMOVED. After transferring me 3 times and having to explain my situation 3 different times I was so upset with how they mishandled my request to remove these unverified and unauthorized inquiries off of my report. I did not endorse these inquires and Never gave anyone of the below companies permission to check my credit. I have contacted each creditor directly in which they stated they had no known record of me or any information regarding these inquiries which is why they can not contact the bureau themselves and remove the inquiry which is why I called the credit bureau. 
XXXX XXXX XXXX  Requested on XX/XX/XXXX XXXXXXXX XXXX XXXX  Requested on XX/XX/XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX XXXX XXXX on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX
Product: Mortgage

I have submitted multiple requests with TRUIST ( formerly BBT and Sun Trust ) to get a lien release on a property I am trying to sell and there exists a VERY old lien that was paid off in XXXX. The former lender was XXXX XXXX Bank which was acquired by BBT in XXXX or XXXX depending on the source. Myself and the title company for the buyers have submitted multiple requests by email with all the facts. We have made numerous phone calls only to be told that we need to submit another email. I finally spoke to a supervisor in the mortgage department who says he submitted an expedite request but my last communication with him indicated that the lien release department was not responding to him either. The first request was submitted by the title company on XXXX XX/XX/XXXX and I submitted a written request on XXXX XX/XX/XXXX. Their application process says 10 business days. We have far exceeded 10 business days. I continue to call as does the title company rep who submitted the first request. We have had to postpone 3 closings and the delays are costing me to extend the buyers loan lock.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX I filed a complaint against XXXX XXXX for pulling my credit report without authorization on the following dates. ( Report File number XXXX XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX claimed to have authorization from XXXX  XXXX XXXX and would provide the proof of that authorization by XX/XX/XXXX. 
Today is XX/XX/XXXX and Neither XXXX XXXX XXXX or XXXX XXXX has provided any information. 
It has been well over the 30 days since XXXX XXXX could not confirm the credit pulls in a timely matter they have no choice but to remove those credit inquiries, XXXX XXXX is well familiar with the law as their supervisor explained to me via phone and in their previous responses. 
Refusing to delete the credit inquiries would be a willful refusal to follow regulation and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with  XXXX  a supervisor at   XXXX   XXXX   today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016
Product: Credit reporting or other personal consumer reports

Hi, I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I'm demanding to be deleted immediately : I did not authorize nor do I have knowledge of this inquiry. 
Clarity Services A Part of Experian.. on behalf of XXXX XXXXXXXX XXXX Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX XXXX inquiry date XX/XX/year>
Product: Checking or savings account

I have filed multiple complaints but heard nothing from XXXX. After XXXX XXXXXXXX unlawfully withdraw $ XXXX from my Bank of America unfunded checking account ( as XXXX XXXX XXXX transaction had been cancelled 24 hours before in writing ), Bank of American then refused to file a dispute ( through XXXX, Bank Manager, BOA, XXXX XXXX, NY ), and all of my bills started bouncing. Then, BOA froze my savings account for $ XXXX. For almost a week they prevented access to both checking and savings leaving me with XXXX money, refusing to tell me what was going on, placing holds on my attempts to get the rest of my money away from BOA so XXXX XXXX couldn't unlawfully try to take it, and was lied to, repeatedly. For almost 4 days my savings account reflected a XXXX balance, yet my $ XXXX had not been received by XXXX. Both XXXX XXXXXXXX and BOA violated the Electronic Federal Transfer Act, and I want to know if your organization is going to do something about it.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I contacted a private seller to purchase an item online, I was made to send money to XXXX XXXX XXXX. He requested XXXX $ for the item, and the seller blocked me and cut contact with me. I never received any items. I was told to meet at a physical location for retrieval of the item I thought I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation request letter to the credit bureua Equifax and they only sent back a credit report showing the incorrect and falsely claimed derogatories with the account # 's ( XXXX, # XXXX, # XXXX ). The dates of my certified mail receipt is XXXX. The amounts for these derogatory claims are {$700.00}, {$440.00}, and {$650.00}. I also sent a debt validation request letter to XXXX XXXX XXXX which is the original creditor and with same amounts stated above, and the same claim numbers stated above. I never got a response letter back from XXXX XXXX XXXX at all, as if the company doesn't exist. The date for this letter was on XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 n XX/XX/2018 I made a 2 transaction to a person named XXXX XXXX email XXXX n XXXX XXXX XXXX. Transaction over a Bday gift for my son ( XXXX tickets ), {$500.00} each transaction a total of {$1000.00}. We kept in touch for over a week in a half, n suggested using XXXX since it was going to be faster n have statement over the transaction. I send her the 1st transaction which she told me she received n stated they were reserved following by the 2nd transaction she would send the tickets instantly to my XXXX. I never got them. I have been sending her messages over messages n nothing she doesnt reply. Called the bank XXXX XXXX n said they couldnt do anything cause XXXX is involved, called XXXX they dnt have human working their operating system n their options have nothing to do with this. Emailed XXXX n thier response to call my bank provider which means its a back n forth situation without resolving anything. XXXX is financialed by XXXX XXXX n many other banks, only banks owned by XXXX can operate it. They should know where the money goes. They should be able to track it. I as parent work so hard for this n for XXXX to just clean their hands n do  nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$7600.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$400.00}, XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$170.00}, ACCOUNT RESOLUTION SERVI XXXX Opened XXXX. XXXX, XXXX Balance {$780.00}, XXXX XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$60.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Student loan

I went to school in XXXX, FL - XXXX XXXX XXXX. I graduated in a year that the economy was collapsing and jobs were nearly impossible to find. I was unemployed for almost a year after graduating from college. I called XXXX, now Navient, to ask that I have my loans deferred. The gentleman on the phone told me that I was all set and had been granted a deferment and that I would not have negative reporting on my credit score. As a young man, I am aware now that I was naive in believing that was enough - I hung up the phone in good faith that all was well. After the deferment period, I immediately began to pay almost double my monthly payment to pay XXXX back for the 7 months that I had no means to pay them. Now, almost 3 years after the incident, I pulled my credit to find they have reported XXXX missed payments ( XXXX student loans, XXXX missed payments each for the 7 months I could not even feed myself let alone pay a student loan ). I called Navient and told them of my situation. They said there is nothing that they can do for me - they do not remove negative information reported to the credit bureaus. I explained the entire situation to the man on the phone and his response was " I 'm sorry I often hear about people being misinformed by XXXX XXXX, but we are Navient and this is how we work - we will not be removing the negative information ''. Just because Navient bought out this company does not mean that I should suffer ... XXXX XXXX agreed to report no late payments to credit, and Navient should be upholding this promise to me. Especially since I have faithfully paid them double what I should be paying monthly. Thank you for your help.
Product: Prepaid card

Yes I've been fighting with bank of America about this money since 2021 very tired of dealing with it and I would just like the money back they already ordered it in my favorite one time and they send a card out to a address that I don't even live at and that's not my fault so I'm still having to wait on my money even longer now they send me a check that is no good and I have to wait longer for it too as well I'm very disappointed and I think they should be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) < It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Debt collection

XXXX XXXX XXXX claims I had car insurance with them but I did not agree verbally or sign anything for this policy now they sent me to their collections company. I was told by the debt collector that if I submitted proof with my insurance elsewhere during that time with my name and the vehicle information they could remove it. I did that and now they are asking me for another document and I dont seem to be getting anywhere with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I recently paid off a collection. I was told this would be a pay to delete. However the company is refusing to remove it from my credit. It has been paid down to XXXX I have been more than reasonable. Weve settled on a debt and I paid in full. This is holding me back from being pre approved for a home. I have done everything they have asked even requested a goodwill letter especially during this pandemic. This is beyond unprofessional but inhumane. Nobody is willing to help me.
Product: Student loan

This student loan was issued through Navient on XX/XX/04 for {$70000.00} with an interest rate of 4.25. 
Granted, I had quite a few late payment fees the first years of payments, but I have been paying this loan for 14 years and I still owe {$41000.00}. I tried to go back and figure out all the interest and the payments and the late fees, and I just don't think the payments were right. I could be wrong, but it didn't seem right with the interest charges. I did call Navient, and got a very vague answer, which made no sense. I have heard that Navient has had multiple complaints, and a few lawsuits. 

Can you help me? 

The account number is : XXXX Thank you, XXXX XXXX
Product: Debt collection

Im filing a complaint against Equifax. I am a VICTIM of identity theft, and I have followed the proper channels by submitting detailed information, including police reports and evidence of the identity theft, yet Equifax has failed to conduct a proper and timely investigation. Up to now I STILL HAVENT RECEIVED ANY INFORMATION OR RESOLUTION REGARDING MY DISPUTES! And I am disputing these accounts to be removed as these are fraud accounts. I insist that I have no idea how the theft took place. I also do not know any suspects. I did not receive any money, goods, or services as a result of identity theft. I insist that you cease the practice of routinely refusing my requests without proper validation. I need these fraudulent accounts removed from my credit report promptly. 
XXXX XXXX  XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!
Product: Credit reporting or other personal consumer reports

I received an credit alert from XXXX that a hard inquiry was performed by XXXX XXXX XXXX XXXX on or about XX/XX/2024. I inquired about this with XXXX XXXX XXXX XXXX, but to no avail, I received the run around and denials of course. This is now on my credit report and I want it removed. This unauthorized inquiry has lowered my XXXX XXXX unnecessarily.