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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX  XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2400.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$1100.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX VA ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX XXXX  against me is a result of fraud and identify theft. Transunion, please help resolve this matter because I have already tried XXXX XXXX XXXX XXXX as I explained above in attached consumer financial protection bureau complaint I recently filed. 
Please carefully read the details I wrote in my CFPB complaint. XXXX XXXX XXXX claims I lived in their building The XXXX in XXXX, XXXX  from XX/XX/XXXX to XX/XX/XXXX. It seems someone stole my identity and signed a rental contract XXXX them in the past fraudulently XXXX my identity. I have never lived in XXXX, XXXX  or any of XXXX XXXX XXXX buildings in my life. I have lived at my condo in XXXX XXXX, XXXX  since XX/XX/XXXX till current the whole time. Here in this folder is all the proof in the world to support my claim. In order as it appears in this folder I have supplied : -identity theft report -consumer financial protection bureau claim -copy of my XXXX  Drivers license -title transfer and deed proving that I bought the condo in XXXX XXXX, XXXX  XXXX XX/XX/XXXX that I have lived in from XXXX XXXX current and also XXXX different utility bills and auto insurance after that all in the same address in my name in my XXXX  home during the exact same dates and timeline that XXXX XXXX XXXX falsely claims I lived in their apartment building XXXX  XXXX in XXXX XXXX. 

I have supplied all this info and documents to XXXX XXXX XXXX XXXX XXXX  ago as soon as I became aware of this fraudulent collection and they made no effort to resolve this issue. I am a victim of identify theft and fraud has been committed in my name without my will and without my knowledge. I am going above and beyond giving Transunion all the proof and more. 

Please help and please remove the collection from XXXX XXXX XXXX from my credit report. It is absolute fraud. 

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

I have filed multiple disputes with Equifax ( XX/XX/XXXX latest, plusXX/XX/XXXX & XX/XX/XXXX ) about getting the Federal Tax Lien removed from my credit report since I have the IRS Withdrawal letter. Each time I have been told it's only been released and therefore will remain. After over an hour long discussion with a Supervisor I have resubmitted the information again. 

Also I have been told by Equifax that they weren't aware of the new rules for removing Tax Liens per the recent CFPB study since we have a paid or released Lien that was paid in full in XX/XX/XXXX. 

XXXX  and XXXX have removed all Tax Liens either in keeping with the Federal IRS Withdrawal letters or the CFPB findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANSUNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX XXXXXXXX XXXX 2.XXXX XXXXXXXX XXXX XXXX 3.XXXX XXXX  XXXX 4.US DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Debt collection

I C system is trying to collect a debt before providing me enough information. 

I first received a collection letter from the I C system around XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. However, I did not know I owed anything. After receiving the letter, I contacted the medical group and explained that I did not receive any bill from you. After doing some research, the representative found that they wrote my address wrong. Therefore, I did not receive any statements. 

The bill was about my son 's 1-year follow-up visit when he was XXXX old. Although we visited the doctor for my son when he was XXXX in XX/XX/XXXX, I was not aware that we had to pay any bills. Because when my son was born in XX/XX/XXXX, the hospital made a mistake, and as compensation, the hospital decided not to charge us any bills for my son. This follow-up visit was with the same doctor who had seen him when he was born and associated with the same hospital. Therefore, I assumed there would be no bills to pay, which was further affirmed when I did not receive any statement from them. However, it appeared that the medical group actually sent the invoice to the wrong address, and thus I never received the bill. 

When I received the collection letter from the I C system, I contacted the medical group. I asked whether I needed to pay the bill since we had a settlement with the hospital. The representative noted and took my cell phone number and address and promised to follow up after speaking to the hospital and other corresponding departments. However, I never received any call or follow-up mails from the medical group and the I C system. Now I found out that the I C system reported my bills to the credit bureaus instead of sending me another reminder letter. This is a very disappointing and unacceptable attitude from these two organizations!
Product: Debt collection

The original company was XXXX XXXX. They submitted a collection to Caine Weiner ( I have never received anything from this company ) stating an amount was still owed, after they sent me a cancellation notice showing a XXXX balance, and effective the date I requested my policy be cancelled. I wasn't even due to renew the policy with them until two days after the cancellation. XXXX came back after the fact, with a cancellation notice, showing a balance of {$79.00}, and claimed it was various accumulated fees. I told them if I in fact owed such fees, why wasn't I charged with them at an earlier date, when they claim the fees were for. It did not make sense or sound right ( legal ), and I felt I did not owe a balance, and they should honor the cancellation notice that I was sent, immediately after my request to cancel the policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

There is an error on my consumer reports. The consumer reporting agencies ; Equifax, XXXX and XXXX, are reporting unverifiable collection accounts on my consumer reports. I was never made aware of such collections however they are appearing on my report. Additionally, in violation of both the Fair Debt Collection Practices Act and Fair Credit Reporting Act, these accounts must be removed as it must first be verified in order for it to be furnished to my consumer report.
Product: Checking or savings account

To whom it may concern, Please I need your help. I am filing a complaint about Synchrony bank XXXX whom I have had a 13 month ROTH IRA CD account # XXXX which matured XX/XX/2023. I have requested in writing with my signature 2 weeks prior to the maturity date that the funds be rolled over to XXXX XXXX XXXX XXXX  also sent them the necessary documents for the roll over transfer. 
After several days from XX/XX/XXXX, I checked with XXXX XXXX several days in a row and they informed me that they have not received the funds. So I contacted Synchrony bank and informed them that XXXXXXXX XXXX has not received the funds. Synchrony responded by saying the check for the entire Roth IRA CD {$130000.00} was mailed XXXX the XXXX. After waiting several more days I contacted XXXXXXXX XXXX  who told me they received nothing. Since then I have contacted Synchrony bank at least 25 to 30 times. I have requested they put a stop on the previous check ( which my bank never received ) and to issue me another check to be rolled over to my XXXXXXXX XXXX. I have requested at least over twenty times for a manager or supervisor to call me to confirm my request but I never received any phone calls. All they did is give me the turn around over and over again. 
Until now my XXXX XXXX has not received my funds, its almost XX/XX/XXXX. 
Its a retirement account for Gods sake that I worked for many many years. I can not afford losing my life savings, please help. In the mean time I have lost all the high interest that I could have made since XX/XX/XXXX at 5.25 % interest rate. 

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My XXXX XXXX address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, it is crucial that consumer reporting agencies uphold fairness, impartiality, and respect for the consumer 's privacy. Equifax, XXXX and XXXX are three such agencies, but as the consumer, I have the right to ensure that my private information is not shared. This right is supported by legislation that emphasizes financial institutions ' obligation to protect their customers ' nonpublic personal information.

As a financial institution, the furnisher of information to credit agencies is obliged to respect my privacy and can not divulge any nonpublic personal information without my written consent. Equifax, XXXX, and XXXX, the furnisher of information to credit agencies do not have my consent to share my information, and any prior consent is now revoked. 

Furthermore, according to the legislation, a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise their nondisclosure option. The furnisher of information to credit agencies did not inform me of my right to refuse disclosure. 

The consumer reporting agencies, Equifax, XXXX and XXXX, are also violating the law by reporting adverse information without consent, as well as inaccurate information. They should have reasonable procedures in place to prevent such violations and limit the purposeful sharing of consumer reports. 

Therefore, in compliance with 12 CFR 1016.7, I am opting out of their reporting services.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX, and Equifax regarding their inadequate investigation of discrepancies in my credit report concerning my account with XXXX XXXX. Despite my request for a thorough investigation to ensure the accuracy of the information reported, the results have been inconsistent and erroneous, causing significant harm to my credit. 

In my communication with the credit bureaus, I specifically requested an investigation into the account listed on my credit report from XXXX XXXX. The responses I received were inadequate and failed to address the discrepancies, as follows : XXXX : The account is reported as 180 days past due, with the last activity date as XX/XX/XXXX. 
XXXX : The account is reported as 120 days past due, with the last activity date as XX/XX/XXXX. 
Equifax : The account is reported as at least 120 days past due, with the last activity date as XX/XX/XXXX. 
These discrepancies are clear evidence that the credit bureaus did not conduct a proper investigation. Instead, it appears they merely took the creditor 's word without verifying the accuracy of the reported information. This negligence is a severe breach of their responsibility to ensure the accuracy and integrity of my credit report. 

The inconsistent payment statuses and varying dates of last activity among the credit bureaus are unacceptable. There should be one source of truth, and a genuine investigation would have rectified these inconsistencies. Their failure to conduct an actual investigation has resulted in substantial damage to my creditworthiness.
Product: Student loan

Navient is the servicer to my federal student loan. Per their internal policy, they apparently can not process paperwork for loans on autopay if they decide to process two weeks before the date of an autopay. This stands in complete contrast to their stated commitment to process paperwork in five to ten days of submission. 
As an example, my automatic payments are deducted on the XXXX of every month from my bank. I filed paperwork showing a change in my income levels on XX/XX/XXXX. Despite calling to push the process along on XX/XX/XXXX, Navient internally claimed they were ready to process on XX/XX/XXXX. However, as XX/XX/XXXX is within two weeks of the autopay day of XX/XX/XXXX ( 13 days, to be precise ), they will not consider the paperwork that has been filed until after XX/XX/XXXX ( and up to five business days after that ). Navient also agreed with me that it could be much later than that, as that " will be the holiday season, and work slows down. '' I am a responsible lender and have made on-time payments in the Pay as you Earn plan for several years. I am shocked that Navient, a private sector company, can not hold itself to a standard to process critical paperwork for months on end. Its client, the federal government, should take action to stop such incompetence.
Product: Credit reporting

I was advised to get a " CORELOGIC TELETRACK ''. tHEY SENT ME THE REPORT THAT HAD A COVER LETTER WITH MY CORRECT NAME AND ADDREES XXXX DOB XX/XX/XXXX LIVING THE LAST 34 YEARS AT XXXX, FLORIDA XXXX but the documents inside where for XXXX at XXXX, FLORIA XXXX WITH A BIRTHDAY XX/XX/XXXX.in XX/XX/XXXX i had problems with identity theift with the IRS. IT Took me almost 3 years to sort out this theift. Now it appears someone is stealing my ID again. 

I don '' t what to do. Can you make this complaint? 
THANK YOU XXXX XXXX, Florida XXXX Email : XXXX Phone : XXXX
Product: Credit card

Having recently changed my name legally I requested Chase Bank change my name in their system to reflect this. This company demanded I provide more personal information than any institution I have gone through this process with, demanded I provide it again after I provided it by both mail and over the internet, and has sent me letters threatening of fines by the IRS if I do not comply. As I have complied with their ridiculous demands multiple times I see no other option than to file a complaint for these business practices. 
They have demanded and been provided with copies of my new social security card, my court order, my updated government ID, and my signature while every other financial institution only needed to be provided with my court order.
Product: Credit card or prepaid card

Have bought clothes from XXXX XXXX on XXXX for XXXX dollars and then when i received them I did not like the poor quality so I returned them back to XXXXXXXX XXXX using their prepaid return label with XXXX  tracking number XXXX and XXXXXXXX XXXX received the return but they NEVER refunded me my money and until now I never received my refund back from XXXX XXXX So I disputed the charge with capital one credit card on XX/XX/ and until now capital one card has not resolved the case to my favor even though I RETURNED THE ITEMS AND I PROVIDED TRACKING INFORMATION THAT SHOWS ITEM RECEIVED BACK BY XXXXXXXX XXXX XXXX tracking number XXXX. XXXX XXXX is not refunding my money and capital one card is not permanently refunding my money Order number from XXXX XXXX XXXX I want my money back because I returned the items back to the seller and I want capita one Visa card to refund me my money permanently
Product: Debt collection

1. This company is calling me up to 13 times per day using a variety of different numbers from all over the country that come through on the Caller ID. If you send the call to voice mail, many times they will call immediately back. 

2. This debt is being reported twice on my credit report. The original creditor is reporting it and Portfolio Recovery is also reporting the same debt. This makes me look like I owe more than what I do and that I have two, instead of one, accounts in default. This is unfairly further damaging my credit.
Product: Debt collection

Hello, You stated in your response to my dispute that you received my charged off account on XX/XX/year> and sent me a letter on XX/XX/year>. Per FDCPA laws, you have 5 days to notify me of the debt, which you did not. XX/XX/year>, would be way outside of that 5-day period, leaving an approximate 25 day gap. You did not make any other contact with me, either directly or indirectly based on my records and according to your previous statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX I am writing to bring to your attention a serious violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m by the debt collection company, XXXX XXXX. I kindly request your assistance in addressing this violation and ensuring the immediate removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX has reported a negative account that does not belong to me. This inclusion of an inaccurate account on my credit report not only misrepresents my creditworthiness but also violates the provisions outlined in XXXX. Despite my repeated attempts to rectify this issue directly with XXXX XXXX, they have failed to take any appropriate action to correct their mistake. 

I urge the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX XXXX XXXX  violation of XXXX. Their failure to comply with the regulations outlined in the Act has significant repercussions on my financial well-being and undermines the accuracy and fairness of the credit reporting system. 

I kindly request your intervention to ensure XXXX XXXX XXXX compliance with XXXX and the immediate removal of the inaccurate account from my credit report. Additionally, I believe it is crucial to hold XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this matter. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will take swift action to address this violation, restore the accuracy of my credit report, and safeguard the rights of consumers. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> TransUnion told me that there was a ID Verification Lock on my Credit Report and on my wife 's Credit Report. TransUnion told me to send in proof of our ID to : XXXX. We sent in the information on XX/XX/year> and were told that it would take about XXXX XXXX XXXX XXXX XXXX to remove the Lock. We have not heard back from TransUnion so I called customer support and they told me to resend the information and it would be about XXXX XXXX XXXX XXXX XXXX to resolve the problem and TransUnion hung-up on me. 

My main concern is that I have received several emails from TransUnion telling me that IF I sign-up for their account for {$29.00} at month each, all of our Credit Reports and account information will be instantly available but if I just want our Free Credit Report, well they can not provide that until the ID Verification Lock is removed
Product: Credit card or prepaid card

Got a call from XXXX while I was in the shower, on XX/XX/2019. I returned the call and they INSIST on my credit card information. I didn't give it to them, but was SHOCKED when I finally found out that it was Citibank!!!! I don't and never have banked with them, my phone number has been on the national DO-NOT call list for year 's. 
Citibank has NO business calling people on the DO-NOT call list, on top of DEMANDING credit card information ... Customer service at Citibank was horrible, I gave up. I would like them reported for trying to scam people on the DO-NOT call list!! They are a financial institution, they have NO place phishing!!!!