23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A collection agency under the name XXXX XXXX  APPEARS ON my credit report and is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company " XXXX XXXX '' and I DO NOT own them any thing... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them. A FEW MONTHS AGO ANOTHER COMPANY UNDER THE NAME XXXX XXXX TRIED TO COLLECT THE SAME AMOUNT AND AFTER MY CLAIM AGAINST THEM THEY DELETED THIS ACCOUNT FROM ALL OF MY CREDIT REPORTS DUE TO THE FACT THEY COULDN'T PROVIDE ME WITH ANY SIGNED DOCUMENTATION AS CONTRACT OR AGREEMENT BETWEEN ME AND THEM. ( PREVIOUS CLIAM NUMBER XXXX ) XXXX, XXXX AND EQUIFAX ARE GOOD AWARE OF THIS ILLEGAL PRACTICE FROM THIS KIND OF COMPANIES AND THEY ARE STILL ALLOWING THIS KIND OF COMPANIES TO PUT ERRONEOUS INFORMATION ON MY CREDIT REPORT WITH OUT ANY VALID DOCUMENTATIONS I REQUEST THAT CREDIT TOLL BE REMOVE IMMEDIATELY FROM MY CREDIT REPORT, THAT THEY SEND ME ANY SIGNED DOCUMENTATION AS A CONTRACT OR AGREEMENT BETWEEN ME AND THEM AND THAT THEY SEND ME IMMEDIATELY THE RECIPE THAT SHOWS FOR HOW MUCH THE BOUGH THIS ACCOUNT FROM XXXX OR XXXX XXXX .... XXXX  XXXX IS USING XXXX HAVE ALL MY PERSONAL AND CONFIDENTIAL INFORMATION WITH OUT MY CONSENT IF IN 5 BUSINESS DAY THIS ACCOUNT IS STILL ON MY CREDIT REPORT I WILL FILE A LAWSUIT IN MY SMALL CLAIM COURT DISTRICT AGAINST XXXX XXXX  AND ALL THE REPORTING AGENCIES
Product: Credit reporting or other personal consumer reports

I sent a letter advising Identity theft on XX/XX/23. I have yet to receive a response or anything. These negative factors do not belong to XXXX XXXX. Some is fraudulently using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Citibank since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the XXXX credit reporting bureaus ( XXXX XXXX, XXXX XXXX. I communicated with Citibank credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the three credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with XXXX, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my credit score and screwed my ability to apply for any loans since it is the oldest card i have.
Product: Credit reporting or other personal consumer reports

I disputed multiple inaccuracies on my credit report, including incorrect account balances, collections, and unauthorized inquiries, in a letter sent to TransUnion, XXXX, and XXXX on XX/XX/XXXX. I requested a reinvestigation and supporting documentation, but I have not received a response or resolution. As of XX/XX/XXXX, the issues remain unresolved, and I am filing a complaint due to non-compliance with the FCRA 's investigation requirements.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent inquiries from my credit report. I am a victim of a data breach, and unauthorized access to my personal information has led to these inquiries. I request that these inquiries be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Inquiries to be Investigated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As these inquiries were the result of unauthorized access to my personal information due to the data breach, I respectfully request that they be immediately blocked and deleted from my credit file.
Product: Mortgage

We are supposed to close on the sale of our home Monday XXXX. Our closing agent found out that we have two lei holders. We refinanced with Mr. Cooper in 2017 but XXXX XXXX  never was taken off as leinholder. XXXX XXXX  says we own nothing and Mr. Cooper should have removed their lein. Mr. Cooper says XXXX XXXX  should have done it. I am about to lose the sale if this isn't cleared up. I have spent many hours trying to resolve this with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  CA XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to contact the credit reporting agency Transunion, it seems they are the only one reporting negative information. The last time I tried to process a dispute I ended up mailing them the information, which they did update but the complaint is access to them is delayed and they should not have reported the information in the first place. They were the only credit bureau reporting the information which prevented me from received a loan at a better rate. My score recently dropped and I discovered that they are reporting incorrect information but I am unable to access their website again. This is disturbing that a major credit bureau can not only report incorrect information but they can make it difficult to contact them to complete a dispute. Something needs to happen to correct this situation, I'm sure that I am not the only one this has experienced this problem.
Product: Debt collection

After reviewing my credit report, I discovered accounts that I did not recognize or apply for investigation. I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts and question and they are negatively impacted my credit. Per section 15 USC 1681 C 2 any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in four days.

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into XXXX XXXX for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, XXXX XXXX has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These unauthorized hard inquiries have raised serious concerns regarding XXXX XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. I have not provided any entity with the authority to access or pull my credit, and XXXX XXXX failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate XXXX XXXX XXXX, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to XXXX XXXX, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to XXXX XXXX  through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Product: Student loan

In late XXXX XXXX, I used the loan calculator on studentaid.gov, which with my finances, said I should do a direct consolidation with SAVE as the payment plan for the lowest payment. I submitted that application. I did not hear anything. 

On XX/XX/XXXX, I received a letter from my loan servicer in the evening that I needed to reply to this letter within ten business dates of the date on the letter, or it would automatically be processed. The letter was dated XXXX They were closed when I received the letter- which was ten days after the letter was dated. 

I then called and was placed on hold and sent three emails over the next week requesting to stop the consolidation process, but it still went through. They also selected a plan which triples my student loan repayment and was not the original plan I agreed to the consolidation loan for. This is straight Bait and Switch. 

Now I have a consolidated loan which I did not authorize with a repayment plan that I can't afford.
Product: Debt collection

I owe them money from a loan and I am unable to pay the past due and current amount due. I asked to set up a payment arrangement and they told me I could only do that if I became current, which makes no sense. They have also left a note at my house where they came by. They call repeatedly throughout the day on my cell phone, work phone and my moms home phone. 

I have sent a letter asking them to stop calling and to not come to my house. So far they have yet to stop calling. I asked that they send me another set of the loan agreement as I misplaced mine and to only contact me in writing.
Product: Checking or savings account

On or about XX/XX/XXXX, I noticed a series of unauthorized transactions totaling over {$5500.00} from a merchant with whom I had previously closed my account due to questionable practices. These transactions posted to my account between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I initiated a dispute through the app, but due to its limitations, I was unable to report all the transactions. I subsequently contacted customer service, and the representative assured me that the remaining transactions would be processed. On XX/XX/XXXX, I received a provisional credit of {$1300.00}. 

I have since submitted multiple pieces of correspondence from the merchant, confirming that my account was closed as of XX/XX/XXXX. The merchant has also affirmed that no transactions occurred on my account after that date, thus verifying that the transactions in question are indeed fraudulent. I have provided Truist with all necessary documentation, including proof of the account closure and the merchant 's confirmation. 

On Friday, XX/XX/XXXX, I called to request a status update. I was informed that the representative had failed to attach the remaining transactions to my initial fraud claim. A supervisor reviewed each transaction and submitted a new claim. Today, XX/XX/XXXX, despite assurances that the claims were approved, I was informed that both claims were denied. 

The provisional credit is scheduled to be reversed on XX/XX/XXXX. If this occurs, I will be retaining legal counsel, as Truist 's actions are in violation of my rights under the EFTA. Under the EFTA, consumers are entitled to dispute unauthorized electronic transfers and may seek damages for violations, including statutory damages under XXXX XXXX XXXX XXXX. 

Truist has consistently declined to provide any information supporting their denial, despite my repeated requests. 

I am deeply concerned that despite providing comprehensive evidence, Truist has disregarded the facts. I expect immediate resolution of this matter to avoid further escalation.
Product: Credit reporting or other personal consumer reports

In XXXX, I found out that there is one credit bank acount from XXXX  XXXX XXXX that is not mine in my credit report ( equifax ). I file a dispute report online for that credit and received an investigation results that that credit card is mine. So I went to the bank ( downtown XXXX XXXX ) for that credit card and they told me they couldnt find that bank account with my SSN. They couldn't do anything about it so they told me to contact to the equifax. Equifax told me again to contact the bank again. I tried to call the bank phone number but they been asking my credit card number to talk with them but I DONT HAVE ONEE. I HAVE NEVER OPENED ANYTHING IN XXXX XXXX XXXX. 

However, the credit card has been on my credit report unitl now ( XX/XX/XXXXXXXX XXXX XXXX XXXX. It has used full credit limit 100 % and it has been effecting my credit score very badly. I have to stay at my friend house for months because my credit score went down to XXXX.
Product: Credit reporting or other personal consumer reports

To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX XXXX  in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX XXXX  incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, Experian, and XXXX. We submitted written request, which included USPS certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Experian, and XXXX requesting to remove the collection balance from our credit reports. 
Action dates : 1 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and Experian. 
2 ). On XX/XX/2023 a written request was sent via USPS certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 
3 ). Beginning XXXX through XX/XX/2023, multiple attempts made to XXXX XXXX XXXX to correct the issue they initiated. No response. 
4 ). On XX/XX/2023, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/2023, the dispute is still active. 

Additional details available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 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

Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with Experian, XXXX, XXXX.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I contacted Experian, XXXX, XXXX and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.
Product: Bank account or service

I was contemplating cashing in some US Savings Bonds. Went into my local Santander Branch in XXXX XXXX and the manager went on line, pulled the values and I then selected several bonds to redeem based on the info presented. I redeemed XXXX bonds out of XXXX for {$1700.00}. The amount was put into my account and all was fine. 1 week later i received a call from the manager that there was an " website system error '' and that the bonds were only worth {$750.00}. Before I could get there, they went into my account and took back the difference. I asked for my bonds back and was told your out of luck. When i showed the Santander printouts to my tax person he confirmed that there was no website error, the XXXX pulled the wrong screen. The values she pulled were for final maturities not current value. Based on this I am out 4 % bonds and the majority of the money was taken back. Santander has been bouncing me around different people with no resolve. Everyone makes a mistake, they need to admit the managers error and take responsibility. I have gotten responses ranging from " your out of luck '' to " You should have done more homework.
Product: Credit reporting or other personal consumer reports

I sent Equifax and XXXX letters plus copy of my report showing the inaccuracy XX/XX/23 and XX/XX/23 in regard to the information. 

The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please DELETE from credit report. This is misleading information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX
Product: Debt collection

I have no knowledge of this account and request an investigation under the Fair Credit Reporting Act ( FCRA ). Please verify its accuracy or remove it from my credit report.
Product: Money transfer, virtual currency, or money service

There was an ad on XXXX  for a car I met the seller we exchanged information I bought the car and it turned out to be fraudulent paperwork the guy had made false title documents, I went to court and called my bank but they said nothing could be done it was a nightmare I lost XXXX which at the time was all my savings
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and XXXX ( XXXX XXXX XXXX XXXX XXXX require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : XXXX XXXX XXXX XXXX  Balance : {$990.00}
Product: Debt collection

debt is not mine. i reported my wallet lost and this car was opened in my name. it was in an accident with no insurance out of state, and sold in an auction. XXXXXXXX XXXX never tried to contact me for this debt. and after writing it off they resold it to XXXX XXXX. They have now reaged the debt from XX/XX/XXXX to XX/XX/XXXX and are in collections affecting my credit worthiness and any other chances of moving up on my scores.
Product: Debt collection

XX/XX/XXXX Received a call from Credit Collections Bureau after they have been notified multiple times by certified mail to cease and desist all communications to my number, and that I have retained a lawyer who is in the process of filing bankruptcy for me and the debts with them are included.
Product: Debt collection

Specifically on XX/XX/27 and on XXXX, but the secretaries report that Credit Control rudely tried to contact me throughout the summer even when I was not at school. Credit Control called both my XXXX XXXX XXXX and XXXX XXXX. A woman by the name of XXXX XXXX, in particular ( XXXX ) was giving both secretaries a hard time about trying to reach me even though I am an XXXX XXXX and can not receive personal calls of this nature.