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

The Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

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 furnish an account without my written instructions.

15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a country of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

On XX/XX/XXXX I noticed 2 charges from XXXX XXXX XXXX that I did not make with my Bank of America debit card so I opened up a claim with the bank and I was told it would take 45 days to resolve the claim, on XX/XX/XXXX I got a notice in my email that says the claim was denied A crime has been committed against me and my identity, I don't know who the culprit is, I tried to file a police report on the XXXX of XXXX but the police department was not interested in what I had to say and refused to take a report and after I found out on XX/XX/XXXX that the bank denied the claim, I made one more attempt to call the police and I spoke with XXXX XXXX XXXX at the XXXX XXXX Police non emergency and he took the report and gave me a claim number ; the bank did refund the {$150.00} to my account but promises to take it back on XX/XX/XXXX they say XXXX says I ordered a guitar and other equipment and had it mailed to my home ; I did not do this and I want Bank of America to leave the money in my account I am upset, when I call the bank I cant get and direct answers
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account DEPT OF EDUCATION/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, experian, and XXXX all would not show me my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of $ {$550.00} ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT LISTED HAS BEEN PAID FOR IN FULL IN A SETTLEMENT AGREEMENT BETWEEN ME AND THE COMPANY. THIS ACCOUNT IS NO LONGER LIABLE TO ME AND I AM REQUESTING REMOVAL OF THIS ACCOUNT OFF THE THREE CREDIT REPORTING. PLEASE REFER TO THE RECEIPTS
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is to XXXX - XXXX - and - Experian I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

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

XXXX XXXX filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted Nationstar Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/XXXX at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX XXXX. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/XXXX this had gone on far too long and my credit was ruined and my house is in foreclosure.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report regarding accounts reported XXXX XXXX  XXXX ACCOUNT NUMBER XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any inaccuracies or incomplete information appearing on my credit report, and I am requesting an immediate investigation into these accounts. Under 15 U.S.C. 1681 of the FCRA, I request that these inaccuracies be investigated, and if the data can not be verified or corrected within 30 days of receiving this dispute, the information must be removed from my credit report. Section 15 U.S.C. 1666 ( b ) Additionally, under 15 U.S.C. 1666 ( b ), I also request that any incorrect payment information or reporting practices that violate this statute be thoroughly reviewed and rectified, particularly with regard to any credit report entries that are based on billing errors or inaccurate reporting practices. I have enclosed a copy of my credit report with the disputed accounts highlighted, along with any supporting documents I have regarding these accounts. Please conduct a thorough investigation, and if you can not substantiate the information, I request that these accounts be immediately removed from my credit history. Please confirm receipt of this dispute and notify me of the results of your investigation within 30 days as required by law. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request that the following accounts and inquiry be blocked and deleted from my credit report, as I am a victim of a data breach. These accounts were opened or used without my consent, and I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have them removed from my credit file. 
The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$730.00XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$520.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$630.00} XXXX. XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} Inquiry : XXXX. XXXX XXXX  Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to

my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinio
n.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against Target regarding the unauthorized reporting of my account as a charge-off on my credit report. I believe this action violates my rights under 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681 ( Fair Credit Reporting Act ). 

I did not authorize Target to report my account as a charge-off, and this action has negatively impacted my credit standing. The lack of proper communication regarding this significant adverse action raises serious concerns about compliance with federal regulations. 

Additionally, I request validation or proof of any written correspondence from me that would authorize Target to report this charge-off of {$620.00}. To my knowledge, I have not granted permission for such reporting, which further underscores the need for a thorough investigation. 

I urge you to look into this matter and assist in ensuring that Target rectifies the situation by removing the unauthorized charge-off from my credit report. It is essential for consumers to have protections in place against unauthorized negative reporting that can harm their financial well-being. 

Thank you for your attention to this important issue. I look forward to your response and any assistance you can provide in resolving this matter.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX was called to trans Fer me from XXXX XXXX to XXXX XXXX XXXX XXXX Humana qas suppose to take care of the bill because it was doctor orders for me to go to XXXX. I don't believe I owe them and I am on a fixed income from XXXX.
Product: Credit reporting or other personal consumer reports

I have 4 student loan collections on my credit report I have no knowledge of. Its affecting my credit score and affecting me from getting an auto loan. Now I know federal laws and no credit bureau should document any information without consent especially something that dont belongs to the person whats so ever. I am not responsible for these student loans. Again they are not mine and it needs to be removed immediately. 
US DEPT OF EDUCATION Last reported XX/XX/year> {$4600.00} Reported balance US DEPT OF EDUCATION Last reported XX/XX/year> {$3900.00} Reported balance US DEPT OF EDUCATION Last reported XX/XX/year> {$2300.00} Reported balance These 3 accounts been open on my credit report from what Ive seen since I noticed the information which is not mines since XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

I had set up auto pay with Mohela/XXXX , the very first payment was deducted from my account and then returned 3 days after my due date. 
I went online to submit a payment and after submitting I received a message that said " bank account unable to be located. '' So I had my father submit payment from his account. 11 days later I see that they had received 3 payments. One from my father 's bank account, and two from my own. I called to try and figure out why two payments were taken from my account and was told I had authorized a second payment the day after I had my father make a payment. When asked why I would do that if my account was up to date the representative repeated herself saying " you must have authorized it because we did not take two payments ''.

I filed a dispute through my bank and once I did Mohela returned 2 payments to me causing the account to fall behind as the XXXX payment was now due. 
My bank had sent a check to Mohela for my XXXX student loan payment on XX/XX/XXXX, it was set to arrive by XX/XX/XXXX. It was received by Mohela and cashed on XX/XX/XXXX, but not applied to my loan. I called to try and figure out why, they did not know but told me it may have gone to their federal loan department. I asked if they would forward the check to the correct department, they told me no they'd be sending the check back to my bank. So I made a payment online. On XX/XX/XXXX I called again because the check had not been received by my bank. I was told their policy was to hold the funds for XXXX weeks after the check was cashed before issuing a new " refund '' check. XXXX weeks after the check was cashed would have been the XXXX. I informed them of such and the response I got was " yeah we were going to initiate the return but we didn't. '' The supervisor I requested never got on the phone, this was all communicated to me from the customer service representative. Had I known about this level of mismanagement I would never have used MohelaXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX number : XXXX XXXX XXXX number : XXXX XXXX XXXX number : XXXX XXXXXXXX XXXX number : XXXX
Product: Credit card or prepaid card

I was COMENITY BANK/XXXX customer since 2014. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2014 ). Since that time I was an exceptional customer paying every month on time. This is my second request. If you delete a missed payment - I will put payments on auto pay.
Product: Checking or savings account

I havent been able to use any funds on my Ally bank account for almost a week. I have called their customer service and, after passing all the verification questions, asked to transfer the entire balance to my other bank account. The transfer was initiated by the customer service on XX/XX/2023. Two days later my account was suspended. I called the fraud department and after a few verification questions the account was unsuspended. It was advised by the fraud department that there will be no issues to transfer the amount now. So on XXXX of XXXX another transfer was initiated to the same ( my own ) bank account which was suspended immediately together with my bank account. I called again to unblock the account. The account is suspended for any services now so I have been totally unable to use my funds since XX/XX/XXXX. On XX/XX/XXXX another transfer of XXXX was initiated to XXXX which didnt post yet. It is supposed to be posted to XXXX on XX/XX/XXXX but Ally bank customer service says that the account is suspended so the funds will not arrive. I left a request to unsuspend the account again on XX/XX/XXXX. All my previously connected by me banks disappeared from the transfer section of the Ally bank App making me unable to use ACH transfer. I have had quite a bit of distress from Ally bank banking practices described above.
Product: Student loan

I have asked the status of my XX/XX/XXXX refund request for a payment they calculated incorrectly in XX/XX/XXXX three times now within the last couple of weeks. The last status update I received was in XXXX, with the response being that it was pending review. All I want to know is if it still pending review, or if it has been approved or denied. They will not answer the question. This is unrelated to forgiveness, but twice now I've received a standard answer related to forgiveness. I don't know why it's so hard to answer a question that they did answer in XXXX. It should not be this hard to check the status of a refund request.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : Account # AMOUNT XXXX XX/XX/2016
Product: Credit reporting or other personal consumer reports

Hello, while checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 


Your company is not authorized to share any of my personally identifiable information with any creditor or outside agency for which I am disputing. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX