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

To whom it may concern, I am writing to express my extreme frustration and disappointment with your lack of action regarding my previous communication about fraudulent accounts and inquiries on my credit report. Despite providing you with a detailed FTC Identity Theft Report, you have ignored my request to address this issue.

The data on my consumer report is a direct result of identity theft. I did not authorize the inclusion of any of these transactions on my report. I am now formally demanding that the following accounts, addresses, and inquiries be blocked and permanently deleted from my report within four ( 4 ) days of your receipt of this letter. This request is not made in error nor based on any misrepresentation of facts regarding the transactions. As a consumer, I have the right to dispute any inaccurate or fraudulent information reported to the credit bureaus, as outlined by the Fair Credit Reporting Act ( FCRA ). 
Fraudulent Accounts : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Fraudulent Addresses : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Fraudulent Inquiries : XXXX Your failure to address this matter promptly leaves me with no choice but to consider pursuing legal action to enforce my rights. Should this information not be blocked and deleted within the specified four-day period, I will take steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. Additionally, I will seek legal remedies to hold you accountable for your negligence and failure to comply with federal law.

I trust you will take this matter seriously and act accordingly. Please confirm in writing once the requested deletions have been completed.
Product: Debt collection

I received a bill with one line with no detail of what I was paying for so I asked for more information all of a sudden I'm getting calls from a collection company saying I owed money and that I have been forwarded to collections. I have had an XXXX XXXX XXXX most of my life. This feels like a scam and harassment to me. A company can ruin your credit with no recourse and force you to pay a bill that they don't provide information about the charges. This is not fair and just wrong!
Product: Credit card

on XX/XX/XXXX there was an credit account opened using my personal information. the name of the credit account is XX/XX/XXXX, account number # XXXX. date opened of the account was XX/XX/XXXX. the date the account was closed XX/XX/XXXX.
Product: Debt collection

XXXX XXXX University manipulated me into registering for my 1st course, without properly informing me of deadlines regarding drop dates, as I dropped course a day after deadline and school advised me then that I had to pay full amount of course, close to {$2000.00}!! What a horrible situation, as I was unable to receive service from advisor related to having second thoughts in registering for class, but the advisor was quick to recruit and convince me to register. Its as if they are aggressive with communication until they lock you in. Very unfair business practice. Please have them remove me debt,
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX XXXXnd concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Product: Checking or savings account

I had two credit cards with Chase and I have always paid them in time. 
I changed my name a few months ago when I became a citizen. I informed the bank and sent them documents showing my new name to make sure everything is correct. 
They changed my name on my accounts and sent me new credit cards. 
Last month, I received an email from them that I get a {$200.00} bonus if I open a checking account with them. I still have their email. 
I went to the Chase bank ( XXXX  branch, XXXX, TX XXXX and opened a checking account using my new name. They said that I should deposit money into my account ASAP. So I transferred {$5000.00} into my account using XXXX XXXX {$1000.00} XXXX, and direct deposit XXXX {$4000.00} XXXX. I have documents proving that. 
After a few days the money showed up in my account, but then I received a letter from Chase that the account is blocked and will be closed! No reason was provided. 
I called them several times but nobody answered or returned my call. I went to the branch and they said there is an issue regarding my new name. I told them to transfer my money back to my original accounts. They said they can not do it, but they will send me a check. 
It is about a month and they have not sent me a check nor they explain what has happened. 
Is it the worst customer service or fraud? 
I have worked with many banks, but Chase has been the worst.
Product: Debt collection

In 2012, we had XXXX and with in the same year we called them to cancel the service. We had way to many problems with the service working correctly and they did not seem to care if it was working or not. The day we called XXXX a representative informed us that we would receive a box so that we could ship back all of the XXXX equipment. We were also informed that we would not owe anything and they would be responsible for the shipping. XXXX turned this account over to a collection agency and then pulled it back and turned it over to a different collection agency. The collection agency representative that I talked with was very rude and telling me that we would be committing criminal charges if we do not pay this debt off in full. I do n't think this is an appropriate way to do business because I would not recommend XXXX to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX/XXXX reported my balance as being thirty days delinquent and it was not. They explained to me when I contacted them that they were going to use what they called a reset to fix and correct the error that they were solly responsible for by their own admitition as being incorrectly reported on all three credit bureau agencies equfax XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PREVIOUSLY CONTACTED THE COMPANIES AND LISTED SUPPORTING DOCUMENTS BELOW TO HAVE THESE FRAUDULENT ACCOUNTS. I HAVE CONTACTED THE DATA FURNISHER AND ASKED THEM TO REMOVE THE FRAUDULENT ACCOUNTS. 

ACCOUNTS : 1.XXXX XXXX XXXX UNAUTHORIZED ACCOUNT 2.TRANSWORLD SYS INC/XXXX XXXX UNAUTHORIZED ACCOUNT
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXXXXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. I looked at my Experian credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX a debt collection company, for violations of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your intervention in addressing this matter and ensuring the removal of the negative account from my credit report.

Upon reviewing my credit report, I discovered a negative account listed by XXXX XXXX XXXX. Despite my repeated attempts to resolve this matter directly with the company, they have failed to comply with the provisions outlined in FACTA. Specifically, they have neglected their obligation to conduct a reasonable investigation into the accuracy of the reported account. 

I believe that XXXX XXXX XXXX XXXX actions not only violate FACTA but also undermine the fundamental purpose of ensuring fair and accurate credit reporting. Their failure to comply with the law has resulted in the inclusion of misleading and damaging information on my credit report, adversely affecting my creditworthiness and financial well-being. 

Therefore, I respectfully request the following actions to be taken : Investigation and enforcement : I urge the Consumer Financial Protection Bureau to initiate an investigation into XXXX XXXX XXXX XXXX non-compliance with FACTA. Their failure to conduct a proper investigation and rectify the inaccurate account warrants appropriate enforcement actions. 

Removal of negative account : I request that XXXX XXXX XXXX be instructed to promptly remove the negative account from my credit report. Given their violation of FACTA, it is imperative that this misleading and damaging information is eliminated to restore the accuracy and fairness of my credit history. 

I have enclosed copies of relevant documents, including my credit report highlighting the negative account reported by XXXX XXXX XXXX Additionally, I have included any supporting evidence that further substantiates my claim of their non-compliance with FACTA. I trust that this information will aid in your investigation and assist in securing a favorable resolution. 

I appreciate your attention to this matter and your commitment to protecting consumer rights. I look forward to a swift resolution that upholds the integrity of credit reporting and safeguards consumers from the undue harm caused by non-compliant debt collection practices. 

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, credit repair services, or other personal consumer reports

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

for the past few months i have had XXXX  with the wrong phone number and i have lost some money. please help me out
Product: Mortgage

I recently applied for a loan modification with Selene Finance because I missed payments due to a lengthy XXXX period.I have since regained employment but with decreased compensation. I was hoping to receive a forbearance and/or reduced interest rate to reestablish regular payments. I was just told via phone my modification was approved but with a mortgage payment increase of {$500.00} and if I didn't make the first payment ( {$2800.00} ) within two weeks ( XX/XX/XXXX ) Selene would resume the foreclosure process. I explained I would pay but would need to XX/XX/XXXX to realistically come up with this extreme payment and since I haven't even received the offer in writing in the mail to review or sign how could I be prepared for such an amount or know the terms. The customer service department stated the investor on my mortgage will not give any more time. I have researched this loan servicer and they have hundreds of complaints regarding working against homeowners so the investor can foreclose and profit on the resale of homes. They're expecting me to send in a payment without even seeing the terms of my modification which seems very fraudulent. All i need is to be able to review the terms or this modification or repayment and be given a reasonable time to make my first payment. Please assist in making this company accountable for their bad mortgage practices.
Product: Debt collection

I have been the victim of identity theft, I tried to dispute with the XXXX credit bureau several times but the refused to remove it from my credit report. I even filled up the FTC report and send it to them but the results came verified. I don't recognize that debt, it's the only debt I have in my credit history with one credit bureau which is XXXX. I don't recognize that debt at all, it's also stopping me from getting an apartment for me and my daughter. Please I really need this to be able address it.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX, ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand.

Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that were open without me knowing i reached out to XXXX, XXXX, and transunion numerous times and they still haven't responded or do what they promise to do
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY XXXX CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NamesAMERICAN EXPRESS AMEX Account  NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$780.00} written off. {$780.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$780.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Credit Limit - Highest Balance {$4400.00} Terms 1 Months On Record UntilXXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have a bankruptcy on my credit report that does not belong to me. I would like the account and move on my credit report. 

Transunion XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : Bankruptcy XXXX XXXX XXXX
Product: Student loan

EdFinancial Loan provider needs to be more transparent. Many people including myself requested refunds for payments made during the covid lockdown. These refunds are taking up to XXXX days with no given emails, confirmation number and/or anything to show proof of the requested refund. There are many people who are getting their refunds much faster, with other loan providers and even given proof of the confirmation of the refunds. EdFinancial has the slowest process of them all which is very frustrating. We need to get these refunds processed before the end of the year and our money back into our accounts. Please help me and the people obtain our refunds back like other service loan providers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Transunion about the theft of my Identity and that the items were never mine, the Credit Bureau never cared nor paid any attention to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I need the Items removed now! 

XXXX XXXX, XXXX A XXXX XXXX
Product: Checking or savings account

Bank of America failed to advise me of a debt from XXXX that I owe XXXX  amount of dollars before I opened another account in XXXX at which one I was not made aware by the bank that any money was owed. In the process of trying to open a bank account else where I was informed n told by the debt collector of Bank of America that I owed money and I expressed I did not know nor was made aware of any funds being owed and refused to resolve it