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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 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
Product: Student loan

I am a parent co-signer on student loans for my son. The resolution I want is to be removed from this Discover loan as a co-signer. In XX/XX/XXXX, we borrowed {$26000.00} for my son 's tuition at the XXXX College. The balance now is higher than it was to begin with. The lender was XXXX. In XX/XX/XXXX or thereabouts Discover bought the loans. Having read about President Obama saying that parent co-signers can be removed from a loan, I contacted Discover and they told me that there had been delinquent payments so I could not be removed. I am not sure why I was underwritten for loans by ( formerly ) XXXX in the first place as I do n't make enough to even cover the payments on the XXXX student loans I cosigned. ( My family helped me pay XXXX off because I was so stressed. ) I can not afford these payments and still pay my mortgage, gas and food. Now I am getting collections letters from Discover. I had good credit before all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. 
I do not have access to the documents related to this account, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian several times about each of the point withdrawn from my report. Any and every credit check that isnt connected to a card on my credit report is not fine I XXXX XXXX have to permission to any creditor to check my credit that its already on my report. Ive tried to us there site but not able to input information without is being denied. My credit score has been tampered with for over 2 years and Ive wrote them several times. In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1691 Section 604 A section 2 : It also states a consumer report agency can not finish a account without written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Debt collection

PARAGON REVENUE GROUP called me and I ended up calling them back. They told me that I owed a medical bill. I asked for proof and nothing was ever sent. this is my second time on here filing a complaint. There are XXXX  debts XXXX XXXXor XXXX and some odd dollars and XXXX for XXXX. They keep calling me and will not show proof of debt.
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. 

FOR EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX / XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of a large, inexplicable decrease in my credit score through XXXX. I contacted on Equifax on XX/XX/19 to investigate, and spoke to two agents, one via the " chat '' window and one via telephone. Both agents insisted that the only means of looking into the case further is for me to pay a {$15.00} fee to access my report ( which basically amounts to extortion ). At no time was I ever informed that I have a right to access XXXX.
Product: Credit reporting

I ordered a credit report from Experian in which they offered a credit tracking service on a 7-day trial basis. I did not discover they were billing my credit card until months later when I checked my bank statement online. 
I attempted to obtain a refund for the charges as I did not wish to order their credit tracking service, only a copy of the credit report. Experian did refund one month 's charges but refused to refund the remaining balance of approximately {$130.00}. 
I do understand I should have read the order more closely, as well as monitored my bank statements. However, I do not believe it is ethical business practice to force consumers to purchase a service along with their credit report. Experian should offer customers the OPTION of registering for this service when they order a credit report but should not make it mandatory.
Product: Debt collection

I closed my Citibank credit card account in XX/XX/XXXX due to the 2 fraud transactions that resulted in {$1500.00} balance. At the time I closed the account, Id had a merchant ( XXXX ) refund my account {$710.00}, so that left the fraudulent balance on my account to {$780.00}. I was informed by the Citibank associate who helped me close my account that I would not be authorized for the this {$780.00} balance. 

Last month XX/XX/XXXX, Citibank asked me to pay for the {$1500.00} that incurred from the fraudulent activities back in XX/XX/XXXX. They told me I was responsible for these transactions before I did not promptly responded to the fraudulent affidavit form Citi bank mailed to my home, which I NEVER received. Nor did I receive any email from Citibank regarding that affidavit form. So I believe Citibank was not being truthful about that and just charged back the amount on my card for their convenience not having to go through the fraudulent claim on my behalf. 

I submitted a claim with CFPB 2 weeks ago and Citibank mailed me the affidavit form for the first time. I filed in the form and returned to them in the mail TWICE. Still, my account balance has not been changed ( {$1500.00} ). Citibank acknowledge that there was a refund of {$710.00}. Still, they had not fix the balance on my account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit card or prepaid card

I signed up for the Home Depot credit card because there was an offer of {$100.00} off on purchases if you did so. The amount may have varied by how much you spent, but in my case it was {$100.00}. I tried to sign up online 3 times and it didn't work. I finally had to call and spend over 1/2 hour on the phone to get this deal setup. The person assured me that I would be the {$100.00} off. I was suspect because it didn't seem like he really understood, but I proceeded. 

I made my purchase online and went through the checkout process. I didn't get my {$100.00} off. I wrote 2 or 3 letters to get my money and finally I rec 'd a credit on my bill, which I had already paid. I sent another letter requesting the money be sent to me, and all I got was a letter back that said call to provide additional information. I am not in position to call any longer, so I sent another letter back saying that they had all the information they needed, but that if they would tell me what else they needed, I would supply it. I just rec 'd the same letter back from them saying, " Call to provide additonal information. '' I just want my {$100.00} back. I even tried to use the card to use up the credit, but that doesn't work now either. They must have froze my account or something. I would like a check sent to my address of record. 

The initial purchase occurred about XX/XX/XXXX. 
I sent them letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX trying to resolve this. 

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

I looked at my free credit reports and the addresses being reported is wrong. Completely wrong and this needs to be removed. XXXX, XXXX  and Experian are reporting addresses where I've never lived and are not my current or former addresses. This gives me concern because I don't want any fraud or information that's not mine on my credit reports. I have tried to dispute this inaccurate information with the credit bureaus on XX/XX/2020, XX/XX/2020 and XX/XX/2020 but they won't remove the inaccurate addresses which is terrible. Please help. I attached my photo ID and credit report screenshots for you to see the errors I'm talking about.
Product: Checking or savings account

An unauthorized transaction of {$460.00} was posted by account via a " pinless '' transaction. The transaction occurred on XX/XX/XXXX in XXXX XXXX. I have never been to XXXX XXXX and worked in my office located in XXXX, Illinois ( USA ) on the date of the transaction. The transaction posted to my account on XX/XX/XXXX, was pending on XX/XX/XXXX when I logged in after being notified of the potential fraudulent transaction. 

After Bank of America alerted me of suspected fraudulent activity. I logged into my account morning of XX/XX/XXXX to see the transactions, then called bank to confirm the fraudulent transactions immediately after logging into my account and viewing the transactions. My claim was denied on XX/XX/XXXX via email. When I called I was told it was because majority of the transactions never posted to my account, however when I informed them that one transaction did post to my account, I was not provided an explanation on why it was denied. I was also not told that they will " reopen '' my case. I was merely told it would be expedited and I should receive my money before end of the week. When I did not receive any notification or credit, I called customer service and on the second call I was told my claim was denied because I failed to respond in a timely manner. Later that day I called to provide additional information as I had conducted my own " investigation '' and confirmed one of the chip transaction was authorized. I then asked again about the denial of my claim and was not given an answer and that the reason for denial relayed by the previous agent about my delayed response to file should not have been the sole reason for denial, however I was told it could take up to 60 business days for me to receive a credit on my account ( if I am provided one ). 

I have been given contradictory information regarding the denial of my claim and contradictory timelines on resolution. I have been credited the international transaction fee ( {$13.00} ) related to the {$460.00} transaction but not the transaction itself. I did not authorize this transaction and should not have to wait the sixty business days if I have not been provided an explanation for the original denial. The lack and inconsistency of information has been frustrating and my timeframe to alert the bank of the fraudulent transaction has been timely.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Unauthorized Inquiries on EXPERIAN Consumer Report Dear EXPERIAN, I am writing to dispute inaccuracies and unauthorized inquiries appearing on my EXPERIAN consumer report. I believe these discrepancies may result from reporting errors or unauthorized access to my personal information, potentially linked to the recent national data breach affecting credit-related institutions. I request a thorough investigation into these matters and immediate corrective action. 

Disputed Accounts and Inquiries : 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 Inquiry Name, Date of Inquiry XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX  : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to dispute any inaccurate or unverifiable information on my report. Additionally, under 15 U.S.C. 1681b, any inquiry must have my explicit authorization and a permissible purpose. If the reported items or inquiries were the result of unauthorized access due to the breach, they must be immediately removed. 

Furthermore, under 15 U.S.C. 1681e ( b ), EXPERIAN has an obligation to ensure the maximum possible accuracy of information reported. Late payments that can not be verified as accurate or authorized must be deleted from my file. 

Attached is my EXPERIAN consumer report regarding this matter. 

Thank you for your attention to this urgent matter. I request written confirmation upon completion of your investigation and corrective actions. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : XXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX  account : XXXXXXXX XXXX XXXX, has violated my rights In accordance with with the fair credit reporting act XXXX account : 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 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Mortgage

I have been trying to refinance my house with planet home lending Free the last six months and they have been stringing me along and allowing me to think that this was going to happen then today they informed me that my loan had matured XXXX XXXX and that there was nothing more that they could do to help me they said because it was a 15 year loan if this happened in six months none of this would have occurred. I do not know what to do I am living with my wife my daughter and her boyfriend and XXXX children grandchildren and XXXX baby I do not want to lose my house I have been offering planet home lending money to continue to pay the mortgage while all this is being done. Then today I find out that the loan has matured and they have not even asked my XXXX mortgagee to subordinate they made no offers to them which they said they were going to do my XXXX lien company had stated to them that they were willing to subordinate what planet home lending made no offers I am just looking for some help hereI can make the mortgage payment today and continue to make them I just need them to assigned me another loan and keep me in my house please help me
Product: Credit card or prepaid card

On XX/XX/2020, I text netspend to get my account and routing information. They sent the wrong information. I had a deposit go into that account. Netspend first said the account is not mine, so I asked why didn't they reject the deposit. They said I needed an indemnity letter, I provided a deposit letter from the insurance company and they said it wasn't good enough. So I continued to ask how could they deposit my money into someone else 's account. They then said that the account has been closed for years. I then asked why didn't they send the deposit back or deposit it into my right account since they gave me the wrong information. They refused. The money was deposited on XX/XX/XXXX, and I still haven't received it and they won't send it back. 
The money is from the insurance company for my car to get fixed.
Product: Debt collection

I have fraudulent acount in my credit report I would like to dispute 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX