23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ohio, XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inquiries on TransUnion Report Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding unauthorized inquiries on my TransUnion credit report. I recently reviewed my credit report and noticed the following inquiries that I believe should be removed : XXXX. XXXX XXXX - Date : XX/XX/year> These inquiries were made without my permission, and I have already filed a report with the Federal Trade Commission ( FTC ) to address this issue. I am concerned that these inquiries may negatively impact my credit score and overall financial standing. I kindly request that you investigate this matter and take appropriate action to have these unauthorized inquiries removed from my credit report. I have included a copy of my FTC report for your reference, as well as any pertinent information needed to process my request. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Debt collection

I cosigned for my children Loan students in 2007 with XXXX XXXX XXXX XXXX the Loan Account Numbers are XXXX XXXX all Loans total amount for {>= $1,000,000} Dollars. My children default in payment the Company had the files is Navient XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX PA XXXX My children call them and stay doing new Payments plan, I contact to them ask why them want to collect from my amount {>= $1,000,000} is they still do the payments but not body help me o give me any information and solution and still send me Collection for this amount please i need help me how I am resolved this hard problem from me The account with Navient is XXXX. 
The Federal Family Education Loan Program have promissory Note The company try to collect the debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to you today regarding the removal of the disputed fraudulent items reporting on my Crediet Report. It appears that my credit has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. I need the Credit Bureaus to please comply with the law so this matter can be handled swiftly. I need the following items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$240.00} XXXX  XXXX Balance Owed : {$220.00} XXXX Inquiry Date XX/XX/2021
Product: Mortgage

We have been working with our lender on a loan modification. on XX/XX/XXXX, we received a letter stating we were " approved, and accepted, a Forbearance Plan based on an evaluation of our application ''. The letter further states that " no action is required at this time, you are invited to complete your loss mitigation application by submitting all the documentation by XX/XX/XXXX ''. Additionally, the letter states that we will " have the opportunity to be evaluated for other options available at the conclusion of the forbearance period. In addition, we will reach out to you at least 30 days prior to the end of the Forbearance Plan to  discuss our situation and provide additional information regarding options that may be available. '' Although we have submitted documentation and followed up on numerous occasions via phone and e-mail, we did not receive a response. 
Our home was sold this morning. Although, we did not receive a notice of postponement, we were notified that we may not receive written notice of postponement each time the trustees sale is postponed. Not only did we have alot of equity in our home, we also could not afford a foreclosure on our credit, this should NOT happen. There are more details but this is the meat of the complaint
Product: Credit reporting or other personal consumer reports

I have tried many disputes to have these claims properly investigated as they were unauthorized charges. The original creditor and the credit reporting bureaus have all ignored my pleas to go deeper into these fraudulent charges. XXXX, XXXX, and Experian have displayed unfair practices by not properly investigating and continuing to report fraudulent information on m credit report. The original creditors have since then charged off these amounts and continues to report as a derogatory mark on my credit reports. I owe no balances to this company after paying them off in XX/XX/year>. I called them and requested they do a proper investigation as I didn't use any more credit for these accounts. My request was never granted and I have been disputing with this company for a very long time now. I was aware of the data breaches with XXXX, XXXX, XXXX, and XXXX but XXXX didn't think to check my report because I didn't see any changes or red flags with the companies that reported breaches. I also didn't think these breaches would cause changes or unauthorized use of accounts that were on my credit report. The several calls I placed to the original creditors back in XXXX solved absolutely nothing. I even tried disputing the inaccurate information through the payment history showing that none of the information from all three major credit bureaus match across the board. That alone should have prompted the deepest investigation possible. I have now involve the FTC and attached documents for the original creditors and credit report agencies. I have been treated unfairly and my consumer rights have been blatantly violated. The stress from all of this is weighing very heavy on my mental well being. To have to go through great lengths to have serious negative derogatory information to remain on my credit report that's causing me to not qualify for any thing that I apply for. I am so scare to unfreeze my credit reports because I don't want to deal with something like this ever again. At this point, I don't care how high my XXXX XXXX gets this time, I will not give up until all the inaccuracies have been removed. I will never use my credit to apply for anything else every again because it's too stressful to deal with disputing fraud that never gets properly investigated.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I filed one claim on XX/XX/XXXX for transactions made totaling {$1300.00} within the XXXX  day window. It was immediately denied and not paid saying it was my fault. The transactions continues and in XX/XX/XXXX i filed another claim within my XXXX  days for {$2400.00}. It was also denied very quickly. The sent a XXXX card out. I was advised that Bank of America didnt actually send me a different card the time prior. I received no calls or alerts to the transactions even though I was signed up for alerts. They stated they denied the second claim because they called but left no voicemail. I have no records of that. The denial was stated that I made the transactions or authorized someone else to make them. Thats it. I have the letters. I was told I could fax proof, which I did twice. But was given wrong fax numbers each time. I was then told they were all chip transactions so it was denied. This is blatantly false. Some of these transactions were made hundreds of miles from me. Or obviously not my doing. Many not chip transactions as stated, and I have proof. I was threatened with being pursued for lying. I asked for reviews again and again and each time denied within XXXX days. 
I contacted as many merchants as I could. I was able to receive two refunds about {$700.00} worth and received verification via email that they were in fact fraudulent. Even still, i was told I made the transactions. The merchants also told me no financial institution attempted to make contact. BOA has lied time and again to me. Criminalizing my actions and belittling me. 
These same transactions were made on my XXXX banks card and XXXX bank cards. Each investigated and refunded the money and settled the claim as not my fault. I shared this with BOA via fax but have been told it was not received. Also, I talked to an investigator and was told that they might have copied my chip information by shimming but to date there has been no proof of fraud. THAT IS FRAUD. I was denied again and the case ages been closed. This has caused me much financial stress.
Product: Debt collection

My name is XXXX XXXX i am XXXX years old XXXX  and retired I am on social security and food stamps. My income is only $ XXXX  Monthly. The collation company AFNI /XXXX . XXXX claim that a had a cellphone from than a never had a cellphone from this company, an owed a cellphone from XXXX XXXX  I don't any need for another phone. I pay for My cellphone every time used it. i dont a money to pay out for any another because i widower my wife pass away
Product: Debt collection

A long time ago I had an on-the-job injury and had to go through a XXXX XXXX XXXXXXXX case XXXX I assumed all the bills had been accounted for but late last year a couple medical bills popped up on my report. I was unaware that anything was owed to these doctors so I called the collection agency handling the debts and just asked them to send me a copy of the bills so I could forward it to my case manager, but so far I have only received 1 of the bills for one of the collections. My personal money is being held up because the bills have to get paid before I do, so all I really want is a copy of the bill so I can forward it to my case manager so everyone can get it paid but I still haven't received it.
Product: Credit card or prepaid card

On XX/XX/2022, I received a letter from Bank of America that I was denied a credit card ( XXXX XXXX XXXX ) that I never even applied for. I contacted Bank of America to complain that it was not me who made this request. The representative, who is XXXX XXXX referred me to you to file a complaint.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, 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. 

XXXX 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 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 writing to dispute the accuracy of certain accounts listed in my consumer report, which I obtained from your agency. These accounts should not be furnished on my consumer report as they are in violation under 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports.

I would like to draw your attention to 15 U.S.C. 1681b ( a ), which states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. '' To the best of my knowledge, I have not provided any written consent or authorization for these accounts to be reported in my consumer report. This violates my rights as a consumer, as I have not granted permission for the inclusion of this information. 
I strongly assert that no consent implies identity theft or fraudulent activity. As a consumer, I am demanding the immediate deletion of the following accounts from my consumer 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 I would like to remind you of my rights under 15 U.S.C. 1681c-2, which states that " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' I have taken immediate action to address this issue by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for the case. 
My FTC reference number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has re-inserted an account on my credit report that is fraudulent. I believe they are doing this to boost their sales of their id protection products. This is illegal and against the law. They refuse to allow me to dispute this account on line calling my claim frivolous. The following account is fraudulent and has been deleted and was fraudulently re-inserted on my Experian credit report : XXXX XXXX XXXX -- # XXXX
Product: Debt collection

Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering me.
Product: Credit reporting or other personal consumer reports

They are reporting inaccurate information on my report in regards to the " closed '' student loan account. Transunion told me that the open date is akin to the day the loan was created which was in XXXX, but i graduated in XXXX which makes this information incorrect. Furthermore since i refinanced the loan there are two loans reporting similar things on my report which makes it inaccurate or a violation of 15 U.S. Code 1681e ( b ) and Transunion is civilly liable under 15 U.S. Code 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of Identity Theft.
Product: Bank account or service

I received an invitation from HSBC bank to open a new checking account and if I make two bills pay for three month, I will receive bonds of {$370.00}. I went to branch and open the account back on XX/XX/XXXX. I met the requirements but I did not receive what I was promised. 
I called the XXXX # three weeks ago I was told we will investigated and get back to you in 24 hours. I never heard back. I stooped at branch I spoke with XXXX and XXXX the person who open the account for me. I was told it take three months after I met the requirements I told him that passed a few month ago. She called the XXXX # and was asked to submit a request to investigate the mater and I will get a call in a day or two. Two weeks passed by never heat back. I called again XXXX said that I did not meet the. I have been make bill payment more than XXXX times. Some one has to hold those people accountable for the misleading services. PLEASE SEE BELOW. 
XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX PYMT {$100.00} XX/XX/XXXX PAYMENT TO XXXXELEC PYMT {$59.00} XX/XX/XXXX DEPOSIT {$2800.00} XX/XX/XXXX ONLINE PAYMENT TO XXXX XXXX PROCESSED ON:XX/XX/XXXX REFERENCE NUMBER : XXXX {$460.00} XX/XX/XXXX PAYMENT TO XXXX-XXXX {$1400.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$65.00} XX/XX/XXXX PAYMENT TO XXXX XXXX XXXX {$84.00} XX/XX/XXXX PAYMENT TO XXXX ONLINE-PAYMENT {$250.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX-ELEC PYMT {$52.00} XXXX/XXXX/XXXX DEPOSIT {$2800.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$62.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$77.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$740.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$370.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$16.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$180.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$51.00} XXXX/XXXX/XXXX PAYMENT TO XXXX-EPAY {$54.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$570.00} Debit ( - ) Credit ( + ) XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$540.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$80.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX {$360.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX {$570.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX XXXX XXXX {$70.00} XXXX/XXXX/XXXX PAYMENT TO XXXX XXXX DEBIT-ELEC XXXX {$52.00} XXXX/XXXX/XXXX PAYMENT TO XXXX CARD ONLINE-PAYMENT {$100.00} THANKS
Product: Debt collection

I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXXavitch & Block, llc sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from Javitch Block. this is also running up the costs on the judgment which seems punitive
Product: Credit reporting or other personal consumer reports

This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards.I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the XXXX  XXXX : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is not fair and all facts should be looked at. This was first a workmans comp case that was wrongfully entered back in XXXX. When workmans comp contacted me I told them this was personal injury and provided health insurance. 2 years later I was never notified of the debt until it showed on XXXX. I called and paid ASAP. I am a business owner and check my credit history Im 100 % on payments. Zager collection claims it was put in back in XX/XX/XXXX. Never revived any mail or anything on this debt. I was forced to pay to avoid bad credit rating. XXXX says it was put in XX/XX/XXXX. Theres a date Discrepancy. When it says XXXX. Good way to Ruin someones life and credit. Its wrong to put this against me and drop my credit rating. Please resolve or help me resolve to get removed. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX collection # XXXX is reporting twice on my Experian credit report. I have submitted a dispute in the past which did not resolve this error by Experian. I need the duplicate account removed ASAP as now I can not close on my new home due to this error.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported in this account are unverifiable. I already contacted the company but they never responded.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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