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

Hello, My name is XXXX XXXX. I'm writing due to inaccurate information that has not been removed from my credit. I am trying to obtain a house and a car to provide for my family and this is hindering the process to a complete halt. This information on my report is not accurate and should not reflect on my account. I have tried multiple times to receive original proof you guys have showing a physical signature was provided to obtain such accounts which is required. I know the laws, but will not post them in risk the validity of this letter will be compromised. Please remove the following accounts : 1. The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

2. The following account is not mine XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

4. The following account is not mine XXXX XXXXXXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

5.The following account is not mine XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

6. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

7. The following account is not mine XXXX XXXX  Account Number : XXXX REMOVE the inaccurate information from my credit report. 

8. The following account is not mine XXXX XXXX Account Number : ************** REMOVE the inaccurate information from my credit report. 

9.The following account is not mine XXXXXXXX XXXX Account Number : XXXX REMOVE the inaccurate information from my credit report. 

I have a young daughter and she does not deserve to be affected by this false information that has been reported to my account. We currently are XXXX  and do not have a way around the Heat XXXX  Arizona unfortunately has to provide. 

These accounts are disastrous to my life and the fact they are not even accurate is the worst part. My home was broken into around XXXX as Arizona State police records will show and I strongly believe thats were these accounts came from. I beg that you reconsider your judgement as I am relentless in getting these unfair demoralizing debts removed. 

Thank you. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I for some reason do not have a credit score with XXXX  and Transunion. I do have a credit score with XXXX. I have been trying to establish credit with XXXX  and Transunion however, there has been too much back and forth at this point and they have not been able to assist. 

I have sent my information twice now to each XXXX  and Transunion. 

With Transunion, I have sent my information both times by mail. Apparently, the 1st time I sent it, it was not enough information even though I sent what they asked for. So, I sent everything again including new additional documents through certified mail, and am waiting now. 

With XXXX, I have sent my information through fax and have confirmation of delivery however after waiting 8 business days after XXXX  received the files ( which by the way, they said they need 3-5 days ), they have no record of the file. Customer Service assumed that it was because the files were not readable and asked me to resend the information again. XXXX  also does not have any notes to prove that the file was not readable. So, I sent everything again through certified mail and am waiting now. However, I am very concerned that the same exact thing will happen.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 seven years. 

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

I signed my son up for a membership at club fitness in XX/XX/year>. I specifically stated multiple times that I wanted the month to month membership, like the plan I was on, because he was leaving to go out of state to college in XX/XX/year>. I was told, we were set up month to month. The cost of the plan was under $ XXXX month. I received notification from XXXX XXXX XXXX, stating that I owed {$430.00}. This is not correct.
Product: Vehicle loan or lease

I purchased a car with XXXX and used their preferred finance company, Bridgecrest. I decided to refinance my loan with my XXXX XXXX XXXX XXXX about 3 months later, in order to save on my monthly payment and rate. The loan was funded by XXXX XXXX and they sent my payoff to BridgeCrest. On XXXX I looked online and saw that my loan was paid in full with BridgeCrest, so I called and requested a payoff letter. They advised me that they could not provide me a payoff letter until 10 business days after the check they received from XXXX XXXX. Being that they had recently received my payment of {$530.00} on XXXX, i asked about the over payment refund, the representative advised me that any overpayment will be refunded to my after 10 business day. So they will continue to charge me a per diem for the next 10 business days, which is XXXX per day, even though they show my loan as paid off online as of XXXX. This is not only unethical, the customer is defrauded by their deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX i have an error on my credit file has and error i calls a dozen times to correct and sent countless letters to have remove that is which is due to fraud and is still giving fraudster access to my credit information here are the addresses XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XXXX XXXX, Pa XXXX please im begging you to remove these addresses immediately the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX and remove phone number XXXX which is a fraudulent phone number used to obtain credit, this is stoping me from helping my XXXX son from getting XXXXXXXX XXXX  help and remove this is hurting my family
Product: Checking or savings account

on XX/XX/2018, USAA put a hold on my account due to a fraudulent check being placed into my account. The check states " PAY TO THE ORDER OF XXXX XXXX '' .. To whom I do not know also on the fraudulent check has this persons ' address for XXXX XXXX. The amount of the check was in the amount of {$2300.00} which I would have never approved.. Also on the check states XXXX XXXX XXXX XXXX. As I continue to examine this copy of the fraudulent check that USAA provided to me, states on the back ENDORED BY XXXX XXXX. With a signature that is not mine. with an account number and stating it was thru mobile app. Now this complaint is to understand that the USAA BANK should have never allowed the mobile app banking to put a fraudulent check into my account without making sure it was okay. I should not be held responsible for this check amount. USAA FEDERAL SAVINGS BANK XXXX XXXX XXXX. XXXX XXXX TX, XXXX
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three CRA.
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Student loan

I have been on an IDR since XXXX, I attempted to recertify several times during COVID and was told that there was no need to recertify during the payment pause. In preparation for the restart of payments, I began to attempt to recertify XXXX which was approved in XXXX of XXXX. I then had my loans transferred to MOHELA and received a letter stating that I needed to recertify my IDR as it had expired. I submitted another recertification form XXXX with the same information as the one in XXXX and was denied as I did not qualify. I attempted to submit another recertification form in XXXX of XXXX, which was denied because they could not verify my income. I resent the recertification form again XXXX, again on XXXX, on XXXX I decided to submit a new application rather than a recertify application and each one was returned for different reasons. None of these applications show in my federal student aid portal. I submitted another new application on XXXX and this one was finally processed according to the Federal Student Aid portal on XXXX. On XXXX I received a letter from MOHELA stating that they received my application and were having delays in processing but that it would be processed within 90 days. On XXXX I received a letter from MOHELA informing me that I had been put on administrative forbearance until XXXX I requested to be removed from this in my new application submitted on XXXX. I am currently unable to make any payments on my loans and therefore can not earn any credit towards my PSLF, meanwhile I am having huge amounts of interest added to my account every day. I still have no idea how much my payments will be or when they will be due. Additionally, I applied for Borrower Defense on XX/XX/XXXX and received a letter from the Department of Education stating that because I submitted my application between XXXX and XXXX that I would be in the Class members group who would have a decision no later than 30 months after the court 's approval of the settlement agreement- XX/XX/XXXX. I than received a letter on XXXX stating that because I applied for Borrower Defense between XXXX and XXXX that I was considered part of the Post-Class applicant group and that my application would be processed no later than XXXX and that my application would not be reviewed under the Streamlined Review Process the Class Settlement group would be reviewed under. I am not able to make payments to count towards my PSLF, I don't know how much my payments are, when they are due, my borrower defense is not going to be processed under the Streamlined Review Process, I have huge amounts of interest being applied to my loans and it is reporting to my credit that my student loan debt continues to increase. I cant do anything except watch my debt grow, knowing that by the time I am allowed to pay it back it will be significantly higher than it is now- which is already considerably higher than when the loans were established, despite paying on them for 10 years and never missing or being late on a payment.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by the above referenced company. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This company has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 

I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. 

The credit bureaus will not investigate this claim saying that it is a 'matter of record '. This company refuses to provide me a copy of the signed application, the date it was signed and that I agreed to terms and conditions.
Product: Credit reporting or other personal consumer reports

Incorrect addresses added to my credit report. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report I sent for a dispute on inaccurate information to XXXX, Experian, and XXXX. It has been over 30 days and I have not received any response. 

XXXX is reporting the following incorrect information : Incorrect Name : XXXX, XXXX, XXXX & XXXX, XXXX, XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX Experian is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Incorrect Employer : XXXX XXXX is reporting the following incorrect information : Incorrect Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, OH XXXX Incorrect Employer : XXXX
Product: Mortgage

As of today XX/XX/XXXX, I received US banks response to an issue or complaint report in XX/XX/XXXX. According to US bank, my hazard insurance had an issue with underwriting within 6 weeks of the purchase of my home. I never received any notification from the bank that would allow a prompt fix to the insurance concerns. US bank states the insurance was no longer in effect XX/XX/XXXX. I was not provided an opportunity to address the issue before it got out of hand. US bank, claimed they mailed me letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, prior to them placing forced insurance on my loan in the amount of XXXX. I never received these documentations until today XX/XX/XXXX in a packet provided from the bank that included the insurance Declarations. 

Why if an insurance company has underwriting issues, would the insurance department not reach out to me either by email, phone, or confirmed mail? If the mortgage company acknowledges that there is no hazard insurance on the property on XX/XX/XXXX. How is that it is acceptable to wait 10 months to claim notifications were sent? 

In the packet provided by US bank included said notification ; unfortunately for me, this is the FIRST time I am in receipt of these letters, As well as the Declarations of XXXX XXXX XXXX XXXX. 

US bank failed to provide adequate time to address an issue that was an easy to fix and would have saved me thousands of dollars. The mortgage company requires an up to date phone number and email address. Which they have, so why did they not confirm knowledge of the concerns on the insurance. I am negatively affected by the lack of notification provided by US bank. 

By providing this information today XX/XX/XXXX, does me no justice as I can not go back and fix anything. US bank has failed to service my loan/insurance/escrow/and monthly payments in the manor to which they should have. 

I do not believe I should be held at fault since US bank failed to give me the opportunity to fix the error within a reasonable time frame. 

One thing I am confident is that US bank would call/email/and send letters, if ever I was to miss a payment. SO, why can I not get the same respect on other aspects on my loan.
Product: Student loan

After participating for a year to year and half in repayment, they informed me ONLY after that my payments were late. I asked how that could be when I requested my due date to be moved to the XXXX of the month. They kept it on the XXXX. When I complained to them about it they said they would check the tapes and call logs and get back to me. They never did follow up. It was then I had heard on the news that they were involved in a class action suit for bad loan practices. I instantly lost trust in them. I never once got any Amortization statement or Holder of Loans or Truth in Lending. No one on their end was being held accountable for how I got taken advantaged of. They only hounded me for more money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting wrong information to XXXX and Transunion. Date of XXXX XXXX XX/XX/XXXX, but shows account was opened XX/XX/XXXX. I have contacted XXXX XXXX XXXX and XXXX and Transunion and account still shows incorrect information. And no verification of account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

We have had a joint checking account with Citizens Bank for two years. My husband also does his personal banking there, and has a checking and savings account there as. 

On XX/XX/year> a tree fell on our home. We have been working wit our insurance company to get estimates, files claims, etc.. We want to get the roof repaired ASAP. 

On XX/XX/XXXX we deposited {$13000.00} from XXXX XXXX XXXX XXXX, an XXXX XXXX remotely using the Citizens online app, into the joint account my husband and I use to pay our home related bills. 

XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as their bank and this was the bank the check was written from. 

Citizens put a hold on the deposit. Saying they would only make the full amount available to our account on XX/XX/XXXX. 

After two calls and speaking with a manager at Citizens he could not defend the policy, saying only any bank has the right to do this. And they did not want to take a chance on the check. HE said the funds would be deposit when they cleared. It is the XXXX and they have made available {$220.00} of the deposit, and are holding the remaining amount. 

I am a XXXX XXXX XXXX businessman. I know in this day and age that these funds would clear almost instantly with electronic check clearance, and that Citizens is holding the funds to use for the float. My bank credits deposits the next business day if they are deposited after XXXX, and the same day if they are deposited before XXXX. 

This is unfair and a rip off. Citizens is not being honest. A check drawn on XXXX XXXX would have funds available immediately. 

We would like our money in our account so we can get our roof fixed.
Product: Debt collection

I explain to Jefferson Capital Systems , LLc that I do not owe them money and to stop contacting me. I have disputed this with all of 3 credit agencies to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 



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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 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.