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

To whom it  may con cern,  XXXX   XXXX ,  2017    I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,    2017  by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,  2017    and they completed the request on  XXXX   XXXX ,    2017. T he request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which w as Inquires are a f actual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer  In  best regards,  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In, accordance with the Fair Credit Reporting Act Transunion Consumer Services has violated my rights. Inaccurate reporting 15 USC 1681. Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( Transunion ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransunion has reported on my credit report.i did not consent nor authorize Transunion or this company to run my credit or use my social security number. Fraud Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to be reimbursed {$1000.00} per violation. Transunion and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report.
Product: Payday loan, title loan, or personal loan

I took out an installment loan for {$3000.00}. After two months, I have paid back {$1200.00}. They are telling me that the current balance is over {$3000.00}. The interest rate cant be right or legal. How are they claiming that all payments go to interest.
Product: Checking or savings account

I have {$3000.00} in a bank called XXXX XXXX XXXX XXXXXXXX through the XXXX company Juno. Starting on XX/XX/year>, I was locked out of my account due to the bankruptcy of a vendor that XXXX uses called XXXX. I have no way to get my money out. 

Additionally, I had a transfer in flight of {$2800.00} from a XXXX XXXX XXXX on XXXX account that has not bounced back yet. 

I would like to get access to these funds in order to move them to a local credit union.
Product: Credit card or prepaid card

I applied for the Chase Sapphire Preferred credit card with the promotional offer of XXXX bonus points after spending {$4000.00} in three months with the annual fee waived for the first year. I was charged the annual fee less than a month after opening the card, after 8-10 conversation with Chase they claim I'm not eligible for the annual fee to be waived, but show no proof of the offer they claim I accepted.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Attempted Collection of Discharged Debt Dear CFPB, I am writing to formally file a complaint against the XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding its attempts to collect on a student loan debt that has been legally discharged.

1. Loan Details : Loan Servicer : XXXX Account Number : XXXX Loan Type : Federal Student Loan 2. Discharge of Debt : On XX/XX/XXXX, I XXXX the promissory note associated with the loan through a Form 1099-C ( Cancellation of Debt ), which was properly filed with the Internal Revenue Service ( IRS ). 

XXXX was sent a copy of the XXXX as required, notifying them of the debt cancellation. 
3. Collection Efforts : Despite this discharge, XXXX has continued to send collection notices and demand payment, in direct violation of my rights as the debt holder and contrary to federal law regarding canceled debt. 

Complaint Details I believe XXXX actions are unlawful and in violation of the following : Fair Debt Collection Practices Act ( FDCPA ) : Prohibiting collection of debts that are no longer valid. 

Consumer protections under IRS regulations : A canceled debt documented by a 1099-C represents the permanent cessation of the obligation.

They also have violated my privacy rights by reporting to the credit bureaus under the Privacy Act of 1974. Under the Fair Credit Reporting Act It is illegal to report transaction history and they have reported all transactions regarding missed payments every month for the last 10 years. Transaction history is also a violation of my privacy ; it is considered non-public information under 15 USC sec 6809 ( 4 ).

These ongoing collection attempts have caused unnecessary stress and confusion and may constitute harassment.

Requested Action I request the CFPB to : 1. Investigate MoHELAs improper debt collection practices.

2. Require XXXX to cease all collection efforts on this discharged debt immediately.

3. Ensure XXXX updates its records to reflect the cancellation of this debt and remove it from my credit report. 

4. Provide any necessary penalties or corrective actions to ensure compliance with federal regulations. Make them pay me for one year of violating my privacy rights and being the reason I was denied credit for the past 10 years.

Supporting Documentation I have attached the following documents for your review : A copy of the 1099-C issued to discharge the debt. 

Any collection notices received after the discharge. 

Thank you for your attention to this matter. I trust the CFPB will take prompt action to address this issue. Please do not hesitate to contact me if additional information is required. 

Sincerely, XXXX XXXX
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 confidentially under 15 U.S.C. 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education XXXX Department of Education XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX ALL ACCOUNTS HAVE VIOLATED MY RIGHTS... 
15U

.S.C. 1681 SECTION 602A. STATES ; I have a right to privacy.

15U.S.C. 1681 SECTION 604A SECTION 2. States ; A Consumer reporting Agent can not furnish an account without my written instructions.

15U.S.C. 1681c. ( a ) ( 5 ) states ; no Consumer Reporting Agent may make any Consumer Reporting Containing any of the following items of records of any information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( A ) ( 1 ) states ; a person shall not furnish any information relating to a Consumer Reporting Agency if the person knows or has any reason to believe that the information is inaccurate.
Product: Vehicle loan or lease

AVID ACCEPTANCE I asked for an accounting ledger to verify this debt and for it to be notarized by an accountant. I have been going through this for almost 3 months with no compliance whatsoever. Ive expressed the importance of this situation with no results. After looking over the contract I found that they left out a lawful notice on it which is fraud and report them to the FDIC and fair credit. I attached it below.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To Whom It May Concern, On XX/XX/year> I received a letter from XXXX XXXX Dated XX/XX/year> XXXX. 
XXXX XXXX XXXX XXXX OHIO, XXXX Re : XXXX XXXX XXXX Account XXXX attempted to process the transactions from my XXXX account XXXX according to XXXX but could not withdraw the funds from the account Fiserv : The money sent to your payee or biller on your behalf was returned to XXXX.? 

There is more but I'll submit a copy of the letter later or upon request. 

My concern and problem is with all three parties to this transaction XXXX, XXXX, And Discover. 

I made my Payment, It was posted To The XXXX Account On XX/XX/year> for {$200.00}. 

Also, the payment transaction in question was posted on the XXXX account for {$200.00} on XX/XX/year>. 

After numerous phone calls talking to representatives except for XXXX, I never could get a human representative to respond or explain the reasoning as to why my transaction failed to post to Discover and why Discover Adjusted My Balance To Reflect An Unpaid Transaction when I sent them proof the transaction was covered and paid. 

As Far As The XXXX Representatives I've Spoken With The Transaction Was Paid And There Was No Problem On Their End. 

I'm beginning to suspect fraud, but I hope I'm wrong. 

Signed, Make It Right
Product: Credit card or prepaid card

On  XXXX   XXXX ,  XXXX  ; I ordered  XXXX  pairs of  XXXX  boots online total {$470.00}. After I placed the order I felt uncomfortable and call ed Citi Ba nk to stop the purchase. At that time, I was told I could not and I had to wait. Since I had no other options, I decided to see if the boots would show up. I wait ed 8 we eks for the merchandise and did not receive. So early  XXXX   XXXX   XXXX  ) I cont acted Citi Bank and mailed a dispute to them. I did not retain a copy for my records, big mistake on my part! Time went by and I thought everything was taken care. Citi Bank sent me letter saying they never got a response from me. I contacted them and stated I had mailed all information to  them in  XXXX . At that time, they said they would give me another chance ; so I completed another dispute form detailing everyt hing thing I did. This included multiple attempts trying to contact the company, with no response. I was then told but Citi Bank I had to wait 45 days. In the process of going back and forth with Citi Bank I received numerous different answers of what was being done and what to do. Never the same direction. I was even told, it is fraud when merchandise is not received and we can work around the date. Now Citi Bank has closed the case and charged back the amount of {$470.00} due the the date of the original charge and was told there was nothing further I could do. I am beyond frustrate and disappointed in Citi Bank 's customer  service.
Product: Credit card

Several bank and credit cards were opened without my knowledge! Police reports, FTC claims opened! This is pure Idenity theft and fraud! I have literally been battle this since XXXX! They go off then come back yrs later in different states
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  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: Checking or savings account

On XX/XX/XXXX, I called ChexSystems to dispute inaccurate and negative information in the file ChexSystems maintains under my Social Security Number that has financial institutions suspecting fraud when deciding to open an account with my social security number. My application was rejected due to ChexSystems reporting my Social Security Number was issued in XXXX in Tx. In which is not true or correct information. I was born in the latter part of the XXXXXX/XX/XXXX. Therefore, the information ChexSystems is reporting regarding my social security number being issued in XXXX is totally inaccurate and misleading and not true. And it is damaging my character, affecting my ability to open new accounts. According to FCRA, Section 623 ( a ) ( 3 ) this is for creditors/banks. ChexSystems is not abiding by any of the laws set forth by the Fair Credit Reporting Act. The statement ChexSystems has on the report for my social security number is a lie! And is defamation of my character. The public should be made aware of the unethical business practices by ChexSystems.
Product: Credit reporting or other personal consumer reports

Dear CFPB, My name is XXXX XXXX XXXX. I have a hard inquiry on my transunion credit report from XX/XX/XXXX. Its a fraudulent inquiry. I did not authorize this to show up on my credit report and did not apply for a cfna account. On XX/XX/XXXX I called XXXX and spoke to XXXX. XXXX cancled the application and submitted a request to remove the inquiry from my credit reports. After waiting over 3 months, the inquiry is still on my credit report. I have made multiple attempts to dispute this with XXXX and they are refusing to delete this from my credit report.They told me its off of my report and sent me a credit report that shows the inquiry is still on there. Please assist me with getting this hard inquiry removed from my transunion credit report. 

I also have the same XXXX hard inquiry on my equifax report from XX/XX/XXXX. Equifax has promised to remove the inquiry multiple times. They have already confirmed they recieve the request and its still on my credit report. Please assist me with getting this hard inquiry removed from my equifax credit report. 

Best regards, XXXX.
Product: Debt collection

I had a credit report pulled and a collection appeared for {$1.00} with State Collection Service in favor of XXXX XXXX XXXX. I have not received any other notices or communication in any form from State Collection or XXXX XXXX concerning an outstanding balance of {$1.00} for debt owed and have paid all known medical billings to XXXX XXXX XXXX.
Product: Mortgage

Our home mortgage was sold to another company ( Mr. Cooper ) without any input from us. Shortly after the mortgage was sold, I signed up for electronic delivery of all communications in an effort to be green. The terms I agreed to, which are still on the web site, read : " By registering for paperless delivery, you agree to receive all account communications electronically. '' At some point in the last year the mortgage company did not have adequate proof of insurance, although they had my mortgage company on file, as well as the policy information from the previous year. Rather than reach out to the insurance company or send me an email ( as the terms stated they would do ) they claim to have sent several letters via USPS demanding updated proof of insurance. I did not get them, nor was I looking for them since I had already agreed to receive all account communications electronically. Without action on my part, they began auto-withdrawal of several thousand dollars from my checking account to cover the insurance that they decided I needed. I noticed the larger amounts and saw a recent letter they had sent ( again via USPS ) with a reminder that there was lender-placed insurance on my account. Only with the help of my insurance agent did I learn that they had been overcharging me, and now I am wading through the mess of trying to get the funds back. They acknowledge the error, and will put the money in my escrow account, then once the money is there I can request a check from them. 

It is absurd to me that they can ignore the terms of their own agreement, change the amount debited from my account without my consent, then hold my money hostage until they clean up their own mess. I pay them interest on the money I am borrowing from them, it seems only fair that they should have to repay the money they took from me with an interest penalty. None of the agents I have spoken with think this is even a remote possibility. 

Assistance would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car along with Volkswagen credit the car blew up if you see any news in XXXX theres a major issue with Volkswagen cars I had an issue with the engine in the injectors and I return the vehicle they are now trying to destroy me seven years later and they should no longer be on my credit and it should be resolved I dont know what to do I need your help
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 Account Number : XXXX Account Name : 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : Unknown Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I applied for a Affordable Modification Program on XXXX XXXX / XXXX my Mortgage XXXX named : U.S. Home Mortgage Bank ( my Relationship Manager is, XXXX XXXX ). I have placed severalcalls to get my status to find out that it is still in Gate Keeping. I amconfused of how long this process is taking ( approaching four months ) as I have been told it has not reached the Underwriting department. 
I need assistance with who ever is in control to investigate to find outwhy this process is taking so long. My reason for applying for thisModification is due to loss of job and finding new employment witha much lower salary then what I was making when I XXXX took out theloan. This is a Hardship on me to carry all of my financial obligationsand make my high mortgage payment on time. Clearly, if they reviewall of my financial statements that I included it will prove that my salaryis much lower. Please Note : Each time there has been a request fornew documents, I have submitted them immediately in hope to movethis process along. Please put me in touch with someone that canassist me in this critical request for financial relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY SOCIAL SECURITY NUMBER TO APPLY FOR SEVERAL FRAUDULENT ACCOUNTS THAT I DID NOT GIVE PERMISSION TO THEY STOLE MY INFORMATION ANF OPEN FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/year> Balance : {$0.00} -Late/Closed
Product: Debt collection

For months now I've been getting calls from a company called ERC. I've told them to send me some information about the debt and they refuse to do that. They call me and my wife 's phone 6 to 7 times per day