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

On XXXX XXXX, 2017 I sent a letter to Transunion asking what information they used to validate the following information on my credit report that they were reporting as verified. 
( XXXX XXXX XXXX ). I am submitting this complaint because I have a problem with Transunion investigation into my dispute. I was never given the 30 days by law to dispute the account before it entered my credit report. After having submitted via writing on XX/XX/17 the dispute. Transunion is reporting this as verified buy the company isnt legally allowed to collect in my state. and I havent been sent the information used to verify said debut. Per the FDCPA Once my letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. And since they have not supplied said information all collection information needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called Navy Federal over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.
Product: Credit reporting or other personal consumer reports

Company 's Response Thank you for bringing this matter to our attention. Portfolio Recovery Associates , LLC ( " PRA '' ) investigated the complaint and verified the PRA account ending in XXXX and the accuracy of the information we furnished regarding the account. We will honor the request to cease all communications regarding the PRA account unless otherwise permitted or required by applicable law. PRA purchased the XXXX XXXX XXXX  ( XXXX ), XXXX. ( " XXXX XXXX '' ) Platinum XXXX credit card account ending in XXXX from Capital XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$410.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to our customer on or about XX/XX/XXXX. We have no record of a request or dispute being received in relation to our initial notification letter. PRA furnished information regarding the account to the consumer reporting agencies in accordance with the Fair Credit Reporting Act as amended, the Consumer Financial Protection Bureau Regulation V, state and local law, and industry guidelines. Our records reflect that we investigated several disputes regarding the account which were similar to the dispute made in this complaint. In response to those disputes, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent our customer a letter of which is attached, with validating documentation from the original account. We believe that the validation provided resolved the dispute and no further steps in response to the complaint are required at this
Product: Student loan

I type a full " box '' describing my complaint and had just started the first few lines in the box requesting the desired outcome. Then suddenly your complaint form disappeared. So, I will try to pick up where I left off XXXX XXXX XXXX. I wish to continue making student loan payments as I have for over ten years to a reputable loan servicer which may or may not be Nelnet in XXXX XXXX. To date, I file a complaint with the Arkansas Attorney General XXXX XXXX XXXX and included the information in the first box ; now disappeared a few minutes ago. We believe the Arkansas XXXX XXXX XXXX ( XXXX XXXX AR ) may have provided our " private information '' including Soc Security nos. for both me and my wife, birthdates, checking account nos., etc. We worked with AR XXXX last summer XXXX and we were shocked to learn our student loan was placed in forbearance for one year which we did not authorize. In the alternative, Nelnet may have provided our " private '' information to loan companies like XXXX in California. 

You say not to provide " your ( our ) name, account no., address, Social Security numbers, etc. So hope someone at CFPB sees this. Very odd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX this request is for myself. I have contacted TRANSUNION multiple times regarding my investigative file. ( NOT MY CREDIT REPORT )! My initial request was made in letter form by mail. I specifically asked that my request not be confused with a request for my actual credit report. I received 2 reports in the mail dated within a day of each other as well as 2 post cards requesting identification for the request. I sent In proof of identity. Once again no file. I submitted a complaint to cfpb and initially it was stated my complaint was being reviewed. I also sent to transunion a bill of particulars for their violations. My complaint was closed within the cfpb without merit.The response stated that I had a request about items on my report my request for my file was never addressed. It was stated that my complaint would be looked into. Transunion is blatantly ignoring my request at this point.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove negative information even after I submitted Identity Theft Report by FTC and a local police filed with the XXXX XXXX  XXXX. They say the information was verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible because I didn't send the theft reports until XX/XX/XXXX. They are saying the information was verified by Address Identification number XXXX but that address Identification number isn't on my credit report. They sent me a generic mailing stating that they couldn't block the information because they need a valid identity theft report which was mailed on XX/XX/XXXX and received on XX/XX/XXXX. The mail receipt and return receipt are attached. These are the accounts in question. 
XXXX XXXX  ACCOUNT BEGINNING IN XXXX - {$96000.00} XXXX XXXX ACCOUNT BEGINNING IN XXXX - {$19000.00} XXXX ACCOUNT XXXX {$72000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXXXXXX XXXX  XXXX - {$69000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I seen some un authorized Inquiry on my profile. They Include Discover, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Dear Executive Office ; I'm really concerned about how my matter was handled. Back in XXXX, I applied for a partially secured credit card with your company which I opted to deposit {$290.00} which would've given me a credit of {$450.00}. I called a couple of weeks after because I never received and that they never took the money from my account. The representative asked for my bank information again and within a week or so the money was deducted from my checking account. I was excited to receive the card and I went ahead activate it and use it immediately for like $ XXXX {$60.00}. The very next day, I found out my card wasn't working and when I called the representative rudely stated that It was closed because I gave them initially the wrong account information. I'm not sure how that happens but I remember me called to ratify the situation and you guys did withdraw the money from my account. When I asked them what I should do then, he said that now there is nothing that can be done and the account is closed and after they take the money I used the remainder will be deposited. I've waited almost 2 months now, and my money has not been deposited back to my account. Due to the fact that this account was closed immediately, it shouldn't be reported as such on my credit report. Now it showed that I haven't paid the account, and your company had instructed me that they will deduct the money and send the remainder back. What's going on with my credit report and where is my {$250.00}?
Product: Credit reporting or other personal consumer reports

ON XX/XX/year> I SUBMITTED PROOF THAT " XXXX '' WAS AN OPENED ACCOUNT BEING REPORTED WITHOUT MY PERMISSION. THIS IS A VIOLATION OF MY CONSUMER RIGHTS UNDER 15 USC 1681. THE ACCOUNTS WERE DELETED BUT THEN REINSERTED AFTER AN INVESTIGATION. I WASNT GIVEN ANYTHING TO REFUTE MY CLAIM .THEY ARE IN WILLFUL VIOLATION AS THIS IS NOT AN ACCOUNT I AUTHORIZED OR GAVE PERMISSION FOR AND WILL PURSUE LITIGATION FOR WILLFUL NON COMPLIANCE AND AIDING IN IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX XXXX and even though I've sent in documents from the State of Florida XXXX XXXX XXXX XXXX XXXX  verifying I'm a victim as well as a written letter advising what information needs to be removed, they're refusing to remove it. This breaks the law that was just passed last year.
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX, my XXXX daughter attempted to cash XXXX XXXX XXXX XXXX at the Bank of America branch located  at XXXX XXXX XXXX, XXXX XXXX FL. She had received these bonds as a baby and, before going to the bank, signed them as required. 

Prior to this, she had confirmed on Bank of America 's website that the bank cashes savings bonds for account holders. My daughter has held a joint account with me, XXXX XXXX, since XX/XX/XXXX, and my wife and I have been long-time customers of Bank of America for over 20 years. 

However, when she arrived at the branch, the bank refused to cash the bonds, citing an internal policy that requires an account holder to have been a customer for at least three years before being eligible to cash savings bonds. This policy was not disclosed on their website, nor was she informed of it when she opened her account. My daughter left the bank in tears. 

To resolve the issue, I left work and accompanied her back to the bank. The bank still refused to cash the bonds because my wife 's namenot minewas also listed on them. XXXX XXXX, a bank representative, reiterated that their system prevents the cashing of savings bonds for newer account holders, and our only options were to bring my wife in person or mail the bonds to the U.S. Treasury.

Following this, I attempted to submit the bonds to the Treasury. However, I discovered that because my daughter had already signed them, we could no longer complete the process via mail.

This situation forced my wife, who suffers from severe XXXX  triggered by conflict and interactions with strangers, to leave work and accompany us to the bank. This was an extremely distressing experience for her. As a result, both my wife and I lost half a day of work to resolve an issue that should not have existed in the first place.

Had my wife been unable to go with us, my daughter would have had to wait two and a half years before being able to access her own money. This undisclosed policy created unnecessary hardship for our family and contradicts the information provided on Bank of America 's own website. 

I appreciate your time and attention to this matter and look forward to your response.
Product: Debt collection

Attn : XXXX XXXX : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In correspondence dated XX/XX/2016 I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to your company, under FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that you are to delete the fraudulent account from my credit report and give up all collection activity. Your company not only failed to do this, but also verified the debt as a valid debt when the credit bureaus contacted you to verify validity of the debt. This is a blatant violation of my rights FCRA. Additionally, the only response to the ID Theft report that I had sent your company was sent to me by your assignee XXXX XXXX XXXX, who perplexingly claimed that I needed to send them more information, and perplexingly they asked for the police report again
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 


Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I request that my current address be updated accordingly. 


Contact Information : My only current phone number is XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

XXXX sure my payments are always on time, so its confusing that XXXX marked late for certain months. According to XXXX XXXX, any mistakes should be fixed, and the record should say " paid as agreed. ''
Product: Mortgage

I sent a principle only payment to M & T bank, the check and form were both marked " For Principle only ''. M & T bank then processed as a regular payment ( On XX/XX/22 ) and the full amount was not applied to principle.I called M & T bank to rectify the issue, after over an hour on the phone they told me that they would not correct, i explained to them that they were mis-applying the funds and that per banking regulations they had to apply as instructed by the customer. They told me that if i wanted to pay principle i would have to do it prior to the due date for the current payment which was not past due and refused to make the correction, I have never miseed or made a late house payment in my life. I can provide banking all banking information as well. 

Thank You, XXXX XXXX
Product: Debt collection

Midland Credit Managem {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified.

If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Product: Money transfer, virtual currency, or money service

Zelle u had money transfer that I did not due and money was taking out of my bank account as well from 2017
Product: Credit reporting or other personal consumer reports

National Credit Sytems , Inc Re XXXX XXXX XXXX Greetings, I resided in an apartment at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My rent was always paid timely. I left 30 days earlier than expected and XXXX kept my security deposit, The apartment was left in excellent condition. Months after my departure I was sent a notice that I owed {$500.00} for utilities and carpet cleaning. I dispute these charges based on the fact the apartment was vacated on XX/XX/XXXX with no balances owed. On several occasions it is documented that there was no hot water in the apartment or heat. I was given an electric heater as a remedy which was not sufficient to warm the entire unit. I paid all the electric bills. Prior to me leaving the property there was a massive leak in the bathroom which took 5 days to fix. There was water damage to my property and likely carpeting that was never fixed nor was I compensated. I do not owe any monies to this property or owners. If anything, I should have been compensated for the distress imposed on me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEAR/CBNA ( CitiBank ) This account was opened in XX/XX/XXXX May last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting Citi Bank re-aged the account to show closed on XX/XX/XXXX as a Charge off. 
I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Product: Credit reporting

I am in bankruptcy since XX/XX/2015. I have been utilizing credit karma to monitor my credit and score since then. With this week 's credit karma update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled my credit and much to my dismay one of my scores ( XXXX ) was no where near what credit karma had reported, with different negative information being reported. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Credit karma has one creditor on my report in the collection accounts portion of the report, and also listed as included in bankruptcy, which is double hitting my credit score as well. One for being in collections and another time for being in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX   XXXX  XXXX {$250.00} XXXX XXXX  XXXX  XXXX {$290.00} XXXX XXXX {$0.00}
Product: Student loan

XXXX filed bankruptcy following me attending the school. I did not acquire any credits and they are currently in litigation for bankruptcy court. I need to have my loan forgiven to help me purchase a home because I figured out early on that none of those credits transferred so they took my money and ran even though they did say they transferred. It was just a money scam from a so called school.
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 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 XXXXXXXX : 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.
Product: Credit reporting or other personal consumer reports

This follow up was due to the several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT XXXX XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report XXXX XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : -- -- -- 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 EQUIFAX 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 Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.
Product: Mortgage

My bank ( HSBC ) sold my mortgage without my permission. I 'm now stuck with some debt collection company out XXXX that makes it much more difficult to pay, and no doubt leaving me open to late fees. Why do I have to jump through hoops to refinance, but the banks can XXXX me with one day 's notice? ( I got their Notice of Servicing Transfer letter ONE DAY before this took effect )