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

Submitted a dispute as my name is XXXX XXXX and not XXXX XXXX, asked Transunion to remove XXXX fort from my credit report. Transunion stated they verified the information, and they did not send me anything on how they verified the information. I also disputed all accounted that are associated with the name XXXX XXXX and Transunion and XXXX stated they verified the information. I have not received any documents.
Product: Payday loan, title loan, personal loan, or advance loan

I can not access my loan information on the website. I can not make any changes to my account in order to stop automatic withdrawals. I cant even access my loan agreement.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX CITE 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> i sent in a personal information update letter to the 3 major credit bureaus ( XXXX, TransUnion, XXXX ). My only Legal name is XXXX XXXX XXXX. My only Address is XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX. My only phone number is ( XXXX ) XXXX. I dont want to include my social, date of birth, or employers for privacy reasons.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiry Dispute with Credit Bureaus Dear CFPB, I am writing to inform you that I have sent letters to three credit bureaus regarding an unauthorized inquiry on my credit report. Unfortunately, I have not received any response or updates on this matter. I have sent letters on XX/XX/year>, XX/XX/year>, and XX/XX/year> requesting that the unauthorized inquiry be removed from my credit report. I kindly request your assistance in resolving this issue and ensuring that the unauthorized inquiry is removed promptly. Your attention to this matter is greatly appreciated. Thank you for your prompt action on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : It is incredible how outdated your website is! 

You should have a system in place like the XXXX and XXXX, XXXX and XXXX. 

XXXX notifies the other companies within XXXX minutes of any update. 

Thank you. 

Respectfully, XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail dated : XX/XX/2022 from a collection agency. The ageny 's name is Credit Collection Services. They are attempting to collect a debt for an XXXX XXXX XXXX XXXX XXXX. I have NEVER had XXXX XXXX. I have NEVER received a bill for mobile services from XXXX. I have XXXXXXXX XXXX XXXX were are paid on time monthly as an automated withdraw from my account. I called the collection agency they wanted personal information that I did not feel comfortable giving. I explained that I had never had an account with XXXX and XXXX also confirmed this. They continued to ignore this and told me that they needed personal information to access the account and remove the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # 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: Mortgage

this complaint is against PHH Mortgage. I have paid the loan off in full over 30 days ago and have asked for the Lien Release Document and have not been able to get it. the loan was paid in full on XX/XX/XXXX and i still do not have the lien release document and i am going to settlement on the home and need that paper. i have asked them and they keep telling me they are working on it. it has been over 30 days!!!! Please help!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for housing and was informed that my application was denied due to negative information on my credit report. AppFolio background check negatively impacted my application for housing The Equal Credit Opportunity Act prohibits creditors from discrimination. The background check contained inaccuracies and outdated information which is conducted improperly and is a violation of my rights using inaccurate information. I request that it be corrected and that my application be reconsidered. Thanks for you attention to this matter.
Product: Credit card

Last night XX/XX/year> around XXXXXXXX XXXX I received a called from a random number. It was someone claiming to be from XXXX XXXX XXXX XXXX XXXX service saying that my bill was late and they wanted to verify a payment over the phone using my account in file with my bank. ( Saying my banks name ) I told them I was going to pay the bill tomorrow and I could hear my voice echoing through the phone. 
She pushed and said that we could take care of it right then and Id just need to say yes to verify the transaction. 
XXXX ) I made a payment over the phone with them in XXXX I had and have had continuous problems signing into the online account to pay the bill. I also asked that my account information not be saved. 
XXXX ) calling someone at that time of night is unacceptable. 
XXXX ) Im afraid that it was a XXXX phone call and that my information has been leaked with that company.
Product: Student loan

All Navient does is call all the time demanding money and threatening economic harm if they do n't get it. They wo n't send me the log in info I need to get into their website, they wo n't give me a straight answer to my questions on the phone and they insist on humiliating and harassing me by refusing to get to the point until I answer all sorts of personal questions, as if an identity thief is going to succeed with anything by talking to their collection dept. Please give me another servicer, I am so close to not caring anymore about default because of Navient 's abusive conduct. Please help me.
Product: Credit card

I made a purchase at the apple store, using my apple card. The transaction appeared to go through while at the store. I got no notification of any problem with the transaction. 

The Apple store business team called me to say there was a problem with the transaction. THey attempted to run it XXXX XXXX for {$4200.00}. The Apple order support team said they saw an error of something to the effect of " Daily transaction limit exceeded ''. THey asked me to call the Apple Card support assuming there was some kind of flag to be removed. 

I spent 40 minutes talking to Apple Card ( ie, Goldman Sachs ) support. The two representatives. The supervisor, XXXX, filed a complaint on my behalf and also escalated the ticket. 

The problem was that Apple Card is blocking my transaction arbitrarily and their support staff is not empowered to explain or correct the issue. They are effectively blocking the use of approved credit arbitrarily. 

Reference to my complaint with Apple Card : XXXX
Product: Bank account or service

To Whom It May Concern, Citizens Bank has frozen my joint account with my XXXX parents ( XX/XX/XXXX.-XX/XX/2016 ), without any notification or explanation!! Got so humiliated when my debit card did n't work, for the first time in my life! Eventually they forced me in to closing it ...!!!?? 
I have talked to many people from the bank but nobody is telling me what happened and why? 
They did mention something about being born in XXXX ( XXXX, which was decades ago!! )!? But that 's it! I still have other accounts with them, is it gon na happen to those as well? XXXX XXXX XXXX did it to me before! So tired of being treated like a criminal .I am a U.S. citizen and been in the U.S. for almost 20 years, preschool teacher mother of XXXX living my life peacefully, just want to know what is it that I have done to be discriminated against like this! 
XXXX & XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX Signed documents, put money in escrow to payoff Bank of America HELOC XX/XX/XXXX Bank of America HELOC was overpaid on the balance XXXX Bank of America closed the HELOC account by " paying '' {$1000.00} out XXXX Bank of America HELOC Payoff Dept wrote refund check # XXXX XX/XX/XXXX ( Wed ) Customer called Sierra at BofA XXXX Phone XXXX ). She confirmed the above check was written 14 days previously. 
XX/XX/XXXX ( Wed ) @ XXXX XXXX, after a 49 minute " hold '', XXXX transferred me to XXXX in the Payoff Dept. XXXX @ XXXX XXXX  said she is putting a " stop payment '' on the above check. She will make a direct deposit to my checking account for the {$100000.00} within 48 to 72 hours. 
XX/XX/XXXX ( Tue ) XXXX called BofA HELOC ( same phone # ) and spoke to XXXX, after " holding '' for approx 15 minutes. She claimed she could not help me, but would transfer me. I had an appointment and had to leave, but told XXXX to contact whoever and have the money deposited in my account XX/XX/XXXX ( Wed ) @ XXXX XXXX  ( MST ), I called XXXX at BofA HELOC Payoff Dept. She said a group of XXXX payoff checks were delayed and mailed XX/XX/XXXX ( Mon ), including mine. She does not " see '' a STOP PAYMENT. I requested her supervisor. 
XX/XX/XXXX ( Wed ) I spoke to XXXX XXXX XXXX, the supervisor. XXXX XXXX confirmed a STOP PAYMENT was processed XX/XX/XXXX ( not XX/XX/XXXX ). System will not allow payment for another 48 hours. I want money immediately. I requested her supervisor. She said it will be 24 to 48 hours for response! 

I am a 27 year customer with multiple accounts with Bank of America! If I can't receive reasonable payment, who can??? Either BofA is irresponsible to the max ... or they have a severe cash flow problem and are holding customer cash unduly long to avoid official defaults. 

Please help me ( and others ) get our overpayment refunds in a timely manner! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Email : : XXXX Cell : ( XXXX ) XXXX
Product: Credit reporting

TransUnion and XXXX Credit Reporting Agencies are not reporting my current credit information to those that are requesting credit information from me, who I have allowed to gain such information to obtain a service from those requesting credit information. Also, I have sent by mail via certified receipt numerous of time to have my personal information change to current information and to correct and update all discrepancies in my credit report. 
Please, I would like my credit report from all credit report agencies to report current and accurate credit report about me. Please, advice. Thank you.
Product: Credit reporting or other personal consumer reports

I have no idea where these accounts came from, but they have been recorded in my file. I started monitoring my credit because I want to buy a house, and I discovered these accounts that I have no idea what they are or where they originated from. I'd like to say the businesses have responded, but they haven't. They have failed to react to my request for clarification. I don't know where else to turn because this information is false, and I need assistance in contacting the appropriate authorities to complain about the violation of my rights and the identity theft that has occurred in my life. Please assist! - EQUIFAX XXXX XXXXXXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023, EQUIFAX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


I demand a deletion of all my personal identifiable information from my consumer credit report to respect my privacy rights apart from : Full Legal ame : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX, XXXX, GA, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA, XX/XX/XXXX INQUIRES XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX 15 U.S.C 1681 Section 602 A. States any consumer has 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 prior consumer 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Please delete all other addresses as listed above, as I can not receive mail or any correspondence nor do I have access to any of these addresses, please delete these outdated addresses and update the address with the one above.
Product: Debt collection

I am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for " Partial '' Validation but rather, it's a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 

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

I am filing a formal complaint against XXXX, XXXX regarding fraudulent charges on my legitimate XXXX account. I have reported these unauthorized charges as identity theft and provided XXXX  with supporting documentation, including a police report, FTC Identity Theft Report, and Identity Theft Affidavit. However, XXXX has failed to remove these fraudulent charges, violating FCRA and Metro 2 compliance. 

Fraudulent XXXX XXXX : Company : XXXX, XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Legitimate Account Status : Active Fraudulent Charges : {$200.00} ( as of XX/XX/XXXX ) Last Payment Date : XX/XX/XXXX Legal Violations : FCRA ( 15 U.S.C. 1681s-2, 1681i, 1681b ) XXXX is failing to investigate and correct fraudulent charges. 

Metro 2 Compliance Affirm must report only accurate data.

Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393, 16-9-121 ) Failing to correct fraudulent transactions violates consumer protection laws.
Product: Mortgage

Phh Mortgage/XXXX XXXX is the mortgage company I am dealing with for an insurance claim with water damage and construction. There is an escrow account because the insurance funds were endorsed to me and the mortgage company. 

The initial check of {$57000.00} was sent to the mortgage company and endorsed by myself and my public adjuster ( endorsed as directed by the bank, and in the same way the public adjuster has endorsed thousands of checks, including checks I have been able to deposit to my own accounts for housing loss of use without any problem ). The mortgage company first received the check on XX/XX/XXXX. Construction and demolition started XX/XX/XXXX. After a lengthy argument and multiple phone calls they would not accept the endorsement, sending it back on XX/XX/XXXX, received XX/XX/XXXX. I followed the mortgage co instruction for how they wanted the endorsement corrected and sent it back overnight mail for {$40.00} to be received XX/XX/XXXX. Once again they refused to accept the endorsement. I had the mortgage company and the owner/authorized signer/public adjuster on the phone together and they still refused to accept the check as endorsed giving different instruction for how they wanted it endorsed. Once again I received the check back and overnighted it again, which they indicate was not logged as received until XX/XX/XXXX. In the meantime I received another check for {$7200.00} that I sent in for endorsement by the mortgage company. I requested an inspection anticipating 5-7 days to schedule as outlined by the mortgage company on XX/XX/XXXX since our contractor anticipated 6-8 weeks construction or less. By making phone calls to the mortgage company every day, they finally released {$40000.00} which was received on XX/XX/XXXX. 

It took until XX/XX/XXXX and daily phone calls to get an inspection done to get the next funds released. My contractor had to slow work until I could provide more funds. On XX/XX/XXXX the check was mailed and I requested another inspection. Another check for 60 % of the work complete was received on XX/XX/XXXX. Again, there was a delay and it took until XX/XX/XXXX to get an inspection which indicated 90 % of the work was complete, therefore the rest of the funds should be released. As of today XX/XX/XXXX the funds are still being held and are supposedly pending the " inspection results '' which per the inspector were sent the same day as the inspection. They have approved an " emergency fund release '' of half of the balance to be sent today, but the remaining $ XXXX is still not released. The construction is wrapping up this week and PHH. Mortgage/XXXX XXXX are holding the funds hostage. These ongoing delays and inappropriate handling of funds is not acceptable, yet there is very little recourse that I seem to have to do anything about it. 

DO NOT work with PHH/XXXX XXXX if you want a fair and effective mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX XXXX XXXX in amount of {$830.00} with opened date of XX/XX/2020. This account was purchased from original creditor on XX/XX/2020. Date account opened is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, Me and my fiance ' provided a background screening report to XXXX to be considered for a rental apartment home. On XX/XX/2021, I was denied by XXXX due to a past " Delinquent account ( s ), '' -- in which one of the delinquent accounts being TD bank 's erroneous " 30 days late '' reporting to my credit report. 

Per my prior CFPB prior TD bank complaint # XXXX, TD bank resolved this 30 days late dispute in my favor and agreed to send a request to the appropriate credit reporting agencies to update my credit report reflecting the 30 day late/delinquency error.
Product: Credit reporting or other personal consumer reports

am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. XXXX and XXXX have already removed this account from their records due to an identified error. I am confused about how you have verified it while the other bureaus have removed it. Please delete this from my file, as it is inaccurate, erroneous, incomplete, or unverifiable DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX