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

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


In accordance with the Fair Credit Reporting act XXXX  Account # 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 I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 


Thank you for your time and help in this Matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter disputing the accounts to LVNV funding. they responded telling me that they only had to respond to one and not respond multiple times. Please see attached letter dispute that they failed to respond.
Product: Debt collection

Attached are copies of statements from XXXX and XXXX as well as statements saying I owe XXXX XXXX. However, I have documentation that XXXX has no proof of a contract with my signature, no video surveillance of me submitting an application or phone recording of me applying for an account. Same is true for XXXX! 

I have asked them same of XXXX XXXX  : Proof they have a signed contract by me, between me and XXXX XXXX, a video surveillance of me submitting an application or a phone recording of me applying for a line of credit with XXXX XXXX. They have not been able to do so. They keep sending me statements. 

Under the FCRA, this is NOT Validation of a Debt. This is false reporting and not reporting 100 % accurate by any company as they have NO PROOF these are my accounts.
Product: Debt collection

Ad astra has been contacting me about a loan from XXXX XXXX, this needs to be investigated and removed from My credit file until they can verify I am responsible for this debt this needs to be removed from my credit file. I do not own this debt I do not authorize them to report this fraudulent account on my credit file I have sent over police report to original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.
Product: Credit reporting or other personal consumer reports

Upon several attempts the requested signed contract with my signature and proof of Debt ownership has been requested and has never been provided to me from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX COLLEGE in XX/XX/XXXX. I received FAFSA and they handed me a refund check. Sometime later, they stated they refunded me the incorrect amount. I asked them what was the amount due back to them ( I can't even remember now, but i know it was around $ XXXX-XXXX ) and I was unable to pay them back as I was a broke college student. Months later, I saw they sent to me collections for {$1200.00}. I was very upset, so I called them to let them know that the amount was incorrect and that was FALSE reporting. The woman on the phone said they will remove it once my debt was paid, I told them to correct the balance and they REFUSED. Fast forward to XX/XX/XXXX, The debt IS STILL THERE and it's still with an incorrect balance of {$1200.00}. I contacted XXXX College ( because XXXX XXXX college has since then DISAPPEARED and " merged '' with XXXX College ) and I received a letter stating that my debt was {$340.00} and they contacted the agency to correct the amount on my credit report ( letter is dated XX/XX/XXXX ) but it still reflects {$1200.00}. This has been on my credit report for 8/9 years. I thought these debts have to be removed after 7 years. This has truly affected my credit and if it were fixed YEARS ago it would have been paid, and I could have bought a house but because my credit STINKS because of them, I am not able to do the things ( such as buy house ) I need to do for my family.
Product: Prepaid card

On XXXX to XXXX there had been numerous charges from XXXX that I didnt make. I made a police report and still have not had a resolution nor a credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account using my personal information was created with a consumer company called XXXX XXXX through the Comenity Bank. The charges have shown up as delinquent on my credit report since XX/XX/XXXX. My credit score shows an account made with XXXX XXXX under my name on XX/XX/XXXX. There are several charges shown on my credit report including : balances of {$59.00} on XX/XX/XXXX ; {$120.00} on XX/XX/XXXX, {$170.00} on XX/XX/XXXX, and {$210.00} on XX/XX/XXXX. These are listed as delinquent charges on my credit score. 

I believe this to be identity theft because I contacted Comenity Bank and they found an account made with my personal information including my name and home address, which I did not make. A phone number which does not match my personal number was listed in the account. Comenity Bank did open an investigation on the account. 

My personal banking company, XXXX XXXX, also filed a dispute but recommended I submit a fraud claim with the FTC as well. I would like these charges to be absolved as these charges have negatively effected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony BankXXXX XXXX XXXX charges {$1.00} to mail a paper statement. I signed up for paperless option to avoid this fee. I signed in to my account and it shows a minimum of {$48.00} due on XXXX, however, I am unable to retrieve a copy of my statement. The previous 6 months have a statement date by the XXXX of each month. I believe that this company should make a copy of the current statement if they have a due date for the current month. I tried XXXX option on their website, but it could not respond to my concern. I also tried to call them but I was unable to get past their VOICE COMMAND function.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get approved for a loan. Equifax does not have a credit score for me. After trying to verify my identity by sending my SSN card, drivers license and pay checks for two years, they say that I do not have any lines of credit although I have multiple credit cards and a student loan. The other two credit bureaus have credit scores for me. Equifax told me the name of the person, birthdate, address of who they have under my SSN.
Product: Mortgage

Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX acquired my mortgage loan earlier this year. They notified me that my insurance had expired in XXXX in error ( my policy was in effect until XXXX XXXX. I tried repeatedly to get in touch with them by registering on their website and then each time I tried to log on I had to reset my password but the code they emailed me did not work. I finally reached someone to let them know that I had insurance and that I was renewing upon the expiration of the policy as I have done each year for the last 8 years. The next month I received additional calls saying my insurance had expired and when I finally reached someone they said that I had XXXX to cover the interior but no exterior coverage -- exterior is covered by my condo association which is handled by the property management. This was communicated to SLS by me and the property management company. I was informed later that month that they had received that notification and to ignore the prior correspondence ( XXXX XXXX, 2016 ). In XXXX I received an analysis of the escrow payments that did not reflect any escrow payments that I have made in my monthly payment ... the payment is set at {$1600.00} for each to cover, e.g., in XXXX 2016, {$490.00} in principle {$100.00} in Interest and {$12.00} to be put in escrow for the $ XXXX/month tax payment. This month I have received a statement saying that my payment is now {$1700.00} with an additional charge of {$100.00} for escrow/insurance. I attempted to get in touch with them over the weekend -- could not log on and no response via phone and there is no email address on the website -- and finally reached someone today to find that they have made a payment for insurance for my property -- when I have my own insurance. I did not authorize them to purchase the coverage and I have my own coverage. They have increased my monthly mortgage payment by {$100.00} -- this is criminal. The website does not work, there is no email address, they are purchasing insurance without authorization, they are not responding to requests, they are requiring that customers fax in requests or mail in requests or complaints which gives no record of the communication. The personnel is incompetent ... one person I spoke with could n't even figure out how to spell and kept laughing about the situation. This is obviously a scam -- they are purchasing insurance on loans without notification ... and they are creating a wall that prevents customers from getting in touch with them to straighten out the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX XXXX XXXX Credit Report. 

XX/XX/2023 XXXX credit file locked for security reasons. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX Credit Report XXXX XXXX : Organization : RateGenius , Inc . 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX XXXX XXXX : XXXX Fax : XXXX Email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided an FTC report and stated the constitutional laws that were being broken by this agency. They have replied by stating that the accounts in question have been validated by the creditor and have failed to provide such proof. Also according to the constitution, the " original creditor '' which in this case is me, I am the ONLY party that can validate such a debt. The " creditors '' that this agency is referring to is only allowed to ASSUME that a debt is valid. Along with such malpractice, agents of this agency have told me that they do things according to " policy '' & not the law. This agency is violating so many FCRA & FDCPA LAWS. 15 U.S. Code 1681A - Congressional findings and statement of purpose, & 15 U.S. Code 1681B - Permissible purposes of consumer reports & 15 U.S. Code 1681E. No consumer reporting agency may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the consumer report is accurate unless they HAVE PROOF. As a matter of fact, no consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. I respectfully request to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature & proof of identification, or presence.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXX ( see. Attachments 1st notice ) I  originally wrote to the company Transunion in regards to disputing/verifying the account XXXX XXXX XXXX   that is being reporting in my credit file. The full details for the account is XXXX XXXX XXXX  reference number XXXX. 

Transunion responded by writing back to me stating that the account was either updated or verified. I then responded to Transunion on XX/XX/XXXX requesting their method of account verification. Please note that Transunion at no point in time ever provided me with any account-level documents to verify disputed accounts. Be advised that this company XXXX XXXX XXXX never provided me an initial notice of debt ( the initial communication of a debt ). I disputed this account originally XXXX  XX/XX/XXXX ( see. Attachments ). I also requested method of verification from Transunion for this account on XX/XX/XXXX after Transunion claimed the account was verified ( see. Attachments ) but no verification was ever provided to me. 

I then requested that the disputed accounts be deleted from my credit file immediately on XX/XX/XXXX, after no proof of verification was provided from Transunion. Please be advised that Transunion has not responded back provided method of verification within the FCRA timeframe and is not in compliance with the FCRA guidelines. Also I request that CFPB step in as a liaison to assist in resolving this matter. 


I request that Transunion comply with the FCRA, by removing this aforementioned inaccurate unverifiable accounts from my report. These accounts are incomplete, inaccurate, and unverifiable. I have given Transunion more than 45 days to produce documentation to verify the account. Please be advised that all supporting documentation will be unloaded to support this complaints. This will include letters to Transunion and copies of certified USPS receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a dispute letter addressed to the Credit Bureaus, requesting the removal of unfamiliar accounts that are currently being reported on my Credit File. I strongly believe that these accounts are a result of fraudulent activity, and I urged the Credit Bureaus to promptly conduct an investigation and remove the disputed accounts from my Credit File. According to my understanding of the FCRA Section 605b, it is a legal requirement for Credit Reporting Agencies to eliminate any accounts and information that are a result of fraudulent activities. I am submitting this Complaint today as a follow-up to my previous Complaint. Once again, I request the immediate removal of the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, during the Credit Bureaus ' investigation, it is determined that I am the legal owner of these accounts, I kindly request that copies of supporting documents, bearing my signature, be provided to me. However, if such documents can not be provided, I greatly appreciate the prompt removal of the disputed accounts.
Product: Bank account or service

I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. 

Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00}
Product: Checking or savings account

On XX/XX/XXXX there was a deposit made in person to the amount of {$4600.00} to Bank of America ( XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX ). IMAGE # 1 : Copy of the list of checks and total. IMAGE # 2 : deposit slip of the amount deposited. When I checked my account online, there was an adjustment of {$1400.00} from the total amount deposited on XX/XX/XXXX and I was only credited {$3200.00} for my deposit with an error message.Due to this adjustment, I am missing {$1400.00} from my checking bank account. IMAGE # 3 : error message and the deposit adjustment.

Since this issue occurred, I have talked to three different Bank of America Financial Advisers/Managers, and later contacted the Bank of America Research Department to try to find the missing checks. The Bank of America Research Department stated they can not do a proper investigation because they do not have any images of the checks deposited on XX/XX/XXXX. My last contact was on XX/XX/XXXX with XXXX XXXX, Financial Center Operations Manager. I was only told my checks were missing and later found. As a result, they can not find images of the checks deposited because the checks were not scanned in properly. She stated that the checked should have been scanned into their system before they are reviewed for deposit. Mrs. XXXX was not able to come to a resolution and declined to take any responsibility for mishandling my checks.

I have my Business Checking account with Bank of America since XX/XX/XXXX when I opened my practice and I never had an issue regarding missing funds. I have always paid my Bank of America Credit Card balances in full and on time and have an overall pleasant experience with Bank of America. This is the first issue I have regarding missing funds. I am requesting the missing amount of {$1400.00} be deposited back into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out via phone and the online website for Lexis Nexis to receive my CLUE report multiple times. Every time they send me a letter saying they cant verify my identity. Despite me inputting my own accurate identifying information every time. I have emailed them a copy of my license and still they refuse to send my report. I can never reach a human being on the number they sent or numbers I found via XXXX searches. It was brought to my attention that the adverse incorrect information is there by me trying to obtain affordable auto insurance. Ive been denied by companies and had higher rates with my current provider due to this error. Id like to receive my report to be able to dispute the inaccuracy and file a civil suit. Even letters mailed do not get my report sent to me. Please help!
Product: Checking or savings account

On Monday XX/XX/2021 I went inside Prosperity Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX inside of XXXX grocery store. I went into the branch because I attempted to use my debit card and it would not work. I was XXXX advised that my account was closed due to non activity and they charged fees to the balance that was left in my account and closed it. I had been using my card and had a balance of over {$200.00} remaining. They did not provide me with my money nor a notice that they were going to close it or even had closed it. I would like my money returned immediately and my account reopened.
Product: Student loan

Applied twice for an XXXX XXXX XXXX XXXX with Mohela. XX/XX/year> and XX/XX/year>. I uploaded the documents required and it was denied for lack of documentation. I submitted all the paperwork they asked that I had. Whoever is reviewing the applications seem to not know how to read if theyre saying my documents arent proof. Ive attached my paychecks that clearly say what they are my paychecks and I used the drop down menus on Mohelas site stating what the documents are and my frequency pay. It seems to me, Mohela just doesnt want to approve applications to lower payments regardless of a persons documentation or circumstances.