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

On ( XXXX XXXX XXXX ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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.
Product: Debt collection

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under XXXX section where I screenshot and copy below. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed several times to XXXX, XXXX, and CITI-CARDS and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and XXXX   is also reporting identical data. 
CITI BANK NA sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from CITICARDS CBNA ; a similar affidavit was mailed to XXXX   with a notary of the public page completed in blue ink. Both XXXX and XXXX failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and  Proof-of-Verification. The credit bureaus ( XXXX XXXX and XXXX ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX XXXX XXXX ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to CITI-CARDS to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for CITI to notify me of their refusal to comply, nothing was sent to me by CITI indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by CITI and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, CITI has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. XXXX  and XXXX have been notified to block this account under FCRA Section 605B.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$910.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX 2009
Product: Checking or savings account

I am writing to express my concerns regarding the extended hold placed on a check I deposited on XX/XX/year>, in the amount of {$27000.00}. 
In the past, I have successfully deposited checks of similar sizes, and I was under the impression that I would have access to a portion of the funds immediately, as is standard practice for many banks. However, I have noticed that this time, the entire amount remains on hold, which has left me quite perplexed Furthermore, I would like to address a matter that has been weighing on me. Given my history with the bank and my good standing, I can not help but feel that I am facing unnecessary scrutiny with this particular transaction. This experience has led me to question whether there are factors at play that may not be entirely fair.
Product: Money transfer, virtual currency, or money service

I sent a bank deposit transfer, XX/XX/XXXX for {$2500.00} from my debt card using Remitly. The status is stating completed, but the recipient hasn't received the funds in their bank account. 
I contacted the XXXX XXXX  who has confirmed the money has not been transferred. I have a copy of the bank account statement that further indicates the money has not been transferred. 
Each time I contact Remitly customer service Im given different version of events, different resolution protocols, false promises of emails, calls etc. Additionally I keep getting an arrival time email when the funds have not arrived. 

Transfer No : XXXX XXXX XXXX XXXX Recipient XXXX XXXX XXXX XXXX  Recipient phone XXXX XXXX XXXX XXXX Bank XXXX XXXX  Recipient Account Number XXXX Sent- XX/XX/2021 Express Senders Name- XXXX XXXX XXXX XXXX Number XXXX Senders personal email XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my consumer reports and noticed that your company has disclosed nonpublic personal information to multiple nonaffiliated third parties such as the CRA 's. You have furnished my personal account information [ WELLS FARGO DEALER SVC XXXX # XXXX ] and [ WELLS FARGO BANK XXXX # XXXX ] to the consumer reporting agencies without considering disclosing to me first whether I wanted to have my account information shared or not. According to the Gramm Leach Bailey Act, Financial institutions are permitted to disclose to a consumer in writing or electronic form, that such information ( MY PRIVACY ) may be disclosed to such third parties ( CRA 'S ). After carefully reviewing our contract agreement I notice I have not received or signed any disclosure stating that I give your company permission to furnish my nonpublic personal information. See 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Money transfer, virtual currency, or money service

In XX/XX/2022, I was offered a job through school email by XXXX XXXX. XXXX asked me to receive {$3700.00} check and other 2 checks from my personal email and deposit to my bank account. After I deposit the first check, I was asked to do XXXX transfer the money to a charity, but I realized I lost twice as much money I transfer to the charity, which means I never got the deposit and spend my own money out of my account from Bank of America to the charity.
Product: Credit reporting or other personal consumer reports

I want to dispute all accounts on my report of all inaccuracies of information on my report Dispute all debts in its entirely pursuant to 12 CFR 1006 34c Cease an desist all activities and verbal communication until alleged dept can be validated in its entirely
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXs not registered in Florida, they are not authorized to collect debts from Florida residents. 
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C 1681e ( b ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount.

* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, my student loans were transferred from Nelnet to XXXX and my account was closed at Nelnet. I have since started making payments at XXXX. However, my XXXX credit report continues to report my account as open with the full balance at Nelnet AND XXXX, effectively doubling the amount of student loans on my credit report. I have submitted disputes with XXXX but they have told me that Nelnet is reporting the account is open with a balance. XXXX and XXXX have the information correct so Nelnet has reported my account as closed previously. I suspect the issue with their reporting to XXXX is clerical but Nelnet refuses to address this. I have been on the phone multiple times with Nelnet to try to resolve this. They have stated my account is in " suppression '' and there is nothing they can do about the credit reporting. They have not given a clear answer on why my account is in " suppression '' or why that means they are unable to correctly report the balance to credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

This is a complaint for an aggressive and harassing debt collection process. XXXX Mortgage recently took over control of my mortgage. My payments are due on the first of the month. They are considered late after the XXXX of the month. Today is the XXXX and XXXX Mortgage has started making Attempt to collect on a debt phone calls to my place of work. They did not even try to contact me at home first. This sort of aggressive behavior to collect on a debt that is NOT even late is highly inappropriate and is harassing. I dont know how they even had my work phone number because when I checked my account settings the only number listed was my cell phone. When I told them to never contact me at work again and to not contact me at all unless my payment was actually late, the caller hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I launched an investigation into XXXX XXXX XXXX reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with Equifax and XXXX. THIS IS false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I called Experian ( Spoke with XXXXn ) asking for my name and address to be corrected on the report because my report shows 7 different names. XXXX told me no she will not correct my name in the system because I can have different variations of my name. I asked to be transferred to a supervisor, after waiting another 20mins on the line someone named XXXX picked up the phone and asked for a report number, I told her I didn't have one, she proceeded to tell me she couldn't help me without one. I asked why? She said because I needed to be specific about my needs. I told her I was looking at my report so I am not sure why I needed a report number when I can clearly see what's on my online report ( which don't offer report numbers ). She then disregarded my questions and started on my report. I told her what I wanted removed and she told me that she'll remove some things but she will not remove everything. I told her I will have her reported along with XXXX.I  would like my name and address corrected immediately.
Product: Credit reporting or other personal consumer reports

On XXXX I sent Transunion a complaint letter disputing information contained in consumer reports given by Transunion regarding XXXX XXXX # XXXX. Per Consumer Financial Protection Bureau records, you received & responded to my dispute on XX/XX/. 

Accordingly, as per the FCRA TransUnion was required to conduct a REASONABLE investigation & DELETE the disputed account as I requested before the end of the 30-day period of date which TransUnion received my letter. TransUnion received my dispute letter on XX/XX/. Therefore, their response with ACCURATE results of investigation was due on or by XX/XX/. Instead of sending me a response letter with the result of their investigation of the disputed information, they sent me a letter dated XX/XX/ claiming we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. 
Transunion have willfully failed to DELETE the disputed information as I have disputed. In lieu of the disputed information, TransUnion willfully failed to conduct a reasonable investigation. Their assumption is a not valid reason under the FCRA to not reinvestigate my dispute. I directly dispute the completeness and or accuracy of information contained in my consumer file. 

As a result of your conduct described above, TransUnion shall promptly DELETE the information disputed. Additionally, as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, TransUnion will be held liable to me for statutory damages for their misconduct, in addition to their deletion of the disputed account mentioned, TransUnion is demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) DELETE the account in dispute, ( 2 ) send a updated copy of my consumer file, ( 3 ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.
Product: Mortgage

My divorce has been final and I sent what the court has giving me as the discharge documents which its just the one sheet and doesn't outline what the Mortgage company PHH has said. My Ex may have it but I don't have access to it. Please can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e '' THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECIEVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATIUON UNDER THE FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX XXXX XXXX XXXX acct. numbers not listed, US Dept Of Education acct. # XXXX and US Dept Of Education acct. # XXXX, XXXX XXXX acct. # XXXX, Get It Now acct, # XXXX, XXXX XXXX. # XXXX, XXXX acct. # XXXX, has violated my rights.

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

15 U.S.C 1681Section 604A Section 2 States a consumer reporting agency can not furnish an 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 XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  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: Credit reporting

Filed complaint with Equifax. They will " try '' to resolve in another 30 days bring the time ( if resolved ) to almost 90 days. Have spent over three hours on the phone with Equifax. Depending on who your are talking to ( I spoke to XXXX representatives they range from helpful to rude and incompetent. 
Spoke with the XXXX collection agency. They assured me that they submitted via " oscar '' on XXXX XXXX, all the required paperwork needed to delete the account. They sent me a copy of what they submitted to Equifax. 
Called Equifax back and they insisted they did not get the report. Spoke to another person the nextday. They acknowledged the the debt was paid and were unsure as to why it was still be reported as a derogatory on my credit report. He put me on hold several times and then stated I need to file a complaint with Equifax. I offered to sent him copies of what XXXX sent me but the Equifax rep informed me that they must deal directly with XXXX. 
It should not be this hard to correct an account that was closed as paid in full back in XXXX 2012
Product: Debt collection

My original home loan was with Bank Of America. When the crash of XXXX happened I could no long afford my house payment and went into default. I had a first and second loan on the property. In XXXX when I was working again I did a loan modification with Bank Of America. I assumed it included the second. I've been paying on the property ever since as it is my primary residence. In XXXX XXXX XXXX XXXX  contacted me threatening foreclosure because of the unpaid second load they obviously purchased from B of A. They could never furnish me a signed contract proving the balance I owe. And It is nearly double the initial amount. I dont have the money to fight this so I made an agreement to pay. I gave them {$2400.00} cash and agreed to payments of {$350.00} a month. In XXXX when XXXX hit I once again lost my job and income. I was able to make the house payments yet got a little behind on the XXXX payments. Over the years I have tried to make the payments every month. I normally pay {$500.00}. Today I tried to log into the system to make a payment. I was locked out and told to call. I did. I was informed that all of my payments have been going towards the late fees and not the principal. And my property is being placed in foreclosure status again. I was told to submit a loss mitigation form and they will try to help. Which I did. Currently I can not access my account to see payments or balances. This place is operating illegally in my opinion. They cant even provide me with a signed statement proving I own them money. Nor can they explain why the balance is so high. I can not afford an attorney as I am barely surviving now. I need help.
Product: Debt collection

I have had a collection company call me after 13 years to collect a debt I have not heard about until I just started the home buying process. Its like they are monitoring your credit and use that info to extort the money from you. Not to mention they call from a local number when they are actually in Minnesota
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX XXXX Opened XX/XX/2021 XXXX : {$700.00}.