23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account Is part of a CLASS ACTION LAWSUIT that I am apart of and I need this account REMOVED IMMEDIALETY. As per the FCRA, you are required to REMOVED this account per the CLASS ACTION LAWSUIT. 

Case Name ( s ) & No. : Ally Financial XXXX XXXX XXXX ; Case No : XXXX Jurisdiction : 23rd Judicial Circuit Court for XXXX XXXX XXXX Missouri Products/Services Involved : Collateral Repossession Laws
Product: Consumer Loan

I am getting numerous calls a day from Cons. They call my work, cell and home loan. I am working with a debt consolidation company and they are refusing to work them. I have a stressful XXXX coming up and they just keeping harassing me. In XXXX hour they called XXXX times and I talked to them each time and they ask for the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX wrote TransUnion on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave TransUnion any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my TransUnion consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for TransUnion to remove these accounts from my consumer report but yet they are still listed. I demand that TransUnion remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow TransUnion to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By TransUnion allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If TransUnion wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF ED/XXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX.
Product: Checking or savings account

THIS IS NOT ABOUT THE SAME ISSUE THAT I JUST FILED THE LAST COMPLAINT. I DO REALIZE THERE MAY BE A LANGUAGE BARRIER HERE BECAUSE I HAVE BEEN FILING COMPLAINTS WITH NO RESULT FOR SOMETIME NOW. SO TO MAKE THINGS AS EASY AS POSSIBLE I FILE MULTIPLE COMPLAINTS WHEN EVER POSSIBLE. 

XXXX XX/XX/2021 I filed a dispute of charges but they said at first it was not " possible '' to dispute XXXX  charges. Then I filed successfully and they have rejected my dispute with no evidence to prove that I made these charges. I am not sure what court one can go to where a person wins and provides absolutely NO EVIDENCE. 
ALL COMMUNICATIONS MUST BE WRITTEN
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies-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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy-1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Please remove the late payment on JPMCB because Chase is effecting my well being to obtain a house. I don't want to sue your company for violation of my rights.
Product: Checking or savings account

This complaint is in reference to my previous complaint XXXX. I did enter the correct password so I shouldn't have needed the PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT THATS NOT MINE, INACCURATE. 
ACCOUNTS NOT MINE : XXXX XXXX -- XXXX XXXX   XXXX -- XXXX XXXX -- XXXX -- XXXX XXXX XXXX -- US DEPT OF ED/XXXX -- XXXX XXXX XXXX --
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a checking account online so that my father could send me a wire transfer so I could purchase a vehicle. When I saw it showed as available for withdrawal in my account later that day, I went to the bank to pull out some of the money. However, I was told that even though it's showing available, that it's still waiting to be verified. I called Ameris Bank the next morning on XX/XX/XXXX to see if the money was processed and available for withdrawal ; the employee I spoke with confirmed with me that the money was indeed available and that I could come make a withdrawal. I went up to the back and after waiting for about 30 minutes in line I finally made it to the bank teller who told me that the funds were still waiting to be verified and she's not sure why someone else told me on the phone that the money is available. She told me to check back later in the afternoon. So later that afternoon I called back up there and was told they still haven't heard anything yet and would reach out to me as soon as they found out something. Not much later, I tried to log into my Ameris Bank app on my phone and my account was all of a sudden locked randomly. I called to speak with someone about getting it unlocked and while talking with them about it they asked me what's the issue with my wire transfer. I told them I have no idea I've been waiting on it to become available. The employee told me that the wire transfer was not being released because I just opened up the account and my dad sent me a large wire transfer which caused 2 red flags and they are now investigating my account and holding my money. My father who sent the money to me, reached out to Ameris Bank with a banker from his bank to try to help verify that everything was legit, that I opened the account for him to send me the wire transfer so I could purchase a vehicle and leave a couple XXXX dollars in the account as well, and even offered to send his Police Officer identification with a copy of his receipt for the wire transfer. However, Ameris Bank is still refusing to release my money to me and it's causing me to miss work because I can't buy the vehicle I was getting without the money, and it's causing me extreme stress. I just want my money to be released to me so that I can purchase a vehicle and return to work. I have been trying to do everything I can to sort this out with the bank but no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I'm struggling with my credit file on Experian. Always that I try to apply for a new credit line, I get denied for the same reason : the lender says that wasn't able to pull my credit report. Which shouldn't happen, since I have around 5 credit accounts and a credit score above 700. 

After many attempts of contact by phone with Experian, I just found that I got a " Split Pin '' issue ( Aka : Split File, Fragmented File... ). Which means that I have two separated credit files with Experian. The first one, is the one with my credit accounts info, the second one, has 0 credit accounts, but is getting all the inquiries when I try to apply for a new credit line which the lender pulls from Experian first. 

Credit Report File XXXX : # XXXX Credit Report File XXXX : # XXXX The agent on phone at XX/XX/XXXX, said that found the issue and opened a case to fix it, and it should take 3-5 business days. ( Reference case number : XXXX ). 

More than 2 weeks later, I called back to try to get some update for this case, but the new agent on phone couldn't even be able to find this opened case, and didn't offered any possibility to fix it. 

I just don't know what to do anymore. I'm trying to fix it since XXXX. I already sent letters and spent hours on phone. I just would like to get this issue fixed and be able to apply for credit lines normally.
Product: Debt collection

I received an electronic notification from my employer stating that my wages would be garnished. When I looked into the the information it is for a credit card that I have never had. It also dated on XX/XX/XXXX however civil action was filed on XX/XX/XXXX and disposed of XX/XX/XXXX. This garnishment is illegal as it is time barred and the statute of limitations has run out. as it's been XXXX. This card doesn't even exist on my credit report and my history predates this. I was never notified in all of this time of any actions otherwise I would have disputed it sooner.
Product: Student loan

I applied for a student loan for my last year in law school with Sallie Mae. They said I needed a cosigner. I don't have any delinquent accounts, collections, etc. In fact, I have a credit card ( s ) and a car loan. I have taken out a few student loans with Sallie Mae previously and used the same cosigner. My cosigner has not had any changes or negative impacts on his credit since he became my cosigner. However, when Sallie Mae called my cosigner, he sounded like he was at home and was very rude. My cosigner didn't confirm any information because the agent from sallie mae sounded like it could be a fraudulent phone call. We tried to call sallie mae the next day but after 45 mins of waiting on hold, we had to hang up. However, I received an email stating I was denied my loan. They said my cosigner wasn't credit-worthy but he was credit-worthy for the previous 3 loans. I believe they did this because we were not receptive to the agent that sounded like he was part of a scam and very rude. 
This is the only means of financial aid because I attend a private law school, and there aren't any federal grants/federal aid for the XXXX XXXX XXXX XXXX XXXX XXXX I don't have any other options for aid. I am stuck with Sallie Mae and they take advantage of students because they know we don't have any other options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a phone for XXXX and they were running my credit and then they were like my Social Security number was not matching my name on my Social Security number was popping up a different name or something like that so Im calling to file a complaint on how to fix this error.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 25 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I ask them to remove the inaccurate report from my account they said they was cause account been paid off or closed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX  XXXX  XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Inadequate Dispute Investigation- I am submitting this complaint against Experian for their failure to conduct a proper and thorough investigation into multiple disputes I have filed. I am a victim of said lawsuit against Experian for not conducting a proper investigation. 
The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Experian have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures Accuracy of Report. 

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Experian adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will be my follow-up to ensure to remove these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} Please remove any noteworthy items that are erroneous
Product: Debt collection

I am writing to express extreme dissatisfaction regarding your failure to remove fraudulent accounts from my credit report. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. I demand the immediate deletion of these fraudulent accounts from my credit report. Despite previous complaints, discrepancies persist, specifically with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I filed a complaint against CITI because they would not let me speak with anyone who could address the errors on my account until I paid the errors in full. They resolved the complaint by stating that nothing is their fault but they would remove the delinquencies and erroneous interest charges caused by their refusal to let me speak to anyone outside of the collections department. They later stated that they would not remove the delinquencies until I paid them in full ( all are still accruing interest ). Today I looked at my credit report and they have made a hard inquiry for an account that I did not request. This company maliciously complies with the law by creating barriers to resolution that are so high it is impossible to resolve any issues even after they commit to resolving them. Why I open another account with them after receiving six calls a day for XXXX months over an error they refuse to correct, and spending hours trying to rectify an error that wasn't mine.
Product: Credit reporting or other personal consumer reports

I am writing to disputed inquiries on my credit report that were made without my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report, PLEASE DELETE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have paid on my XXXX XXXX consistently. For some reason NAFCO finance will take XXXX points out of no where. They give XXXX them take it away for no reason. It will say XXXX points and it will say great job by making your payments on time. It shows an up and down score due to NAFCO for no reason. Please help. I'm trying my hardest to understand why they give points and then take away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. " NISSAN MTR ACCPT/INFINITI FIN '' added late payment to my account that was false. XXXX assumed this role without permission not only that, they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. XXXX did not exercise grave responsibility, they were unfair, they were partial. I'm taking the liberty to file a CFPB report and an attorney general 's complaint. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$630.00} and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

On XX/XX/XXXX ( Receipt included ) a Dispute Form including all accounts resulted from Identity Theft, Identity Theft and Police Report were mailed. Accounts in dispute were listed on original Dispute and Evidence Request per section 609. This envelope was certified mail and required signature. Records show it was received by your office. 

As proof of my identity, drivers license, cell phone bill, and Social Security had been provided. 

You were unable to verify the accounts with the original contract, the information should be removed from my credit report within 10 days of receipt of this Complaint. 

Sincerely, XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SS : XXXX DOB : XX/XX/XXXX
Product: Debt collection

I have new and updated information regarding Complaint Number XXXX. Dunlap Gardiner LLP, a third-party debt collection agency continues to use false, deceptive, and misleading representations while constantly harassing me, The Consumer in its attempt to extort payment regarding an alleged agreement that I was not a party to and is in fact unlawful and unenforceable. Dunlap Gardiner LLP has not provided any factual proof of an agreement between I The consumer and the association. In fact, Dunlap Gardiner LLPs attachment, XXXX XXXX XXXX Covenants proves that the association didnt exist at the time of the creation of the Declaration of Covenants. Dunlap Gardiner LLP uses deception when stating This owner 's property is subject to the Declaration of Covenants. to give a false implication of the owners true identity. When in fact, the document which Dunlap Gardiner LLP provided clearly identifies the owners who are bound by this agreement as the following entities : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Nowhere in the document is there any reference to any agreements amongst any consumer and entity. Lastly, the attachment provided by Dunlap Gardiner LLP as well as its previous statement there is no legal requirement that he signed anything is proof of its use of deception to unlawfully attempt to enforce an unlawful and unenforceable agreement by the constant attempt to extort payment from me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023, INQUIRY - XX/XX/2023