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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX, XXXX, and TransUnion credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnionshall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute the inaccurate reporting of a collection account listed on my credit file under the name Portfolio After reviewing my credit report, I have identified discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A company XXXX XX/XX/XXXXremains allowed by Experian to report a medical collection on my credit reports please remove. I have asked them to remove and put a stop on them reporting they have failed to do so
Product: Student loan

On XX/XX/XXXX : I received email correspondence from Navient stating that I had an upcoming payment due. With a due date of XX/XX/XXXX. I called them on the phone to discuss this, as my loans were paid off in XX/XX/XXXX. I spoke with XXXX  ( employee # XXXX ) who said I was accruing interest daily and need to pay my bills. When I explained to her there must be a mistake, my loans are already paid. She was unable and unwilling to tell me why there is a debt posted to my account after several years. I requested an account history and payment information, she refused to provide this to me. 
After the phone call, I logged into my Navient account where my account has been changed to reflect a debt of XXXX. The posted due date online was XX/XX/XXXX ( which is different then the email that said XX/XX/XXXX ). 
A few days later, I received an email from Navient saying there was new information in my account. I logged in to find that my account information had again been edited to now show I was 210 days past due on this debt and in default. There were also new letters added stating they had been attempting to notify me, this never happened prior to XX/XX/XXXX. As well as letters saying my account was over paid and refunds were made. The letters stating my accounts paid in full are also now missing from my account, but had been there previously. I also have copies of my paid in full letters. 
In summary, Navient is attempting to retroactively charge a debt to me that is not mine. They are wrongfully changing my account information. They are unable to provide an explanation for the debt and are threatening me by phone and email to garnish my wages for a debt that is not mine and can not be explained. Each person who calls gives me different information, there is no consistency, no attempt to hear my side, or investigate the entire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had account from XXXX credit card by XXXX bank that account went collection agency called XXXX XXXX I paid them but credit reporting agency never updated as paid after disputing they update account sold even sold I paid the account why they can't update that account is paid
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 To Whom This May Concern : I writing to you to request that you update and correct the personal information section of my credit report. 

I will remind you that pursuant to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also pursuant to 15 USC 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

18 USC 1028 ( a ) ( 1 ) also states that Whoever, in a circumstance described in subsection ( c ) of this section knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; It is not only the creditors responsibility, but yours, to report only true and accurate information. I have updated my personal information will all the creditors listed on my report and if they are still reporting anything other than the information listed below, then they are not reporting accurate information and I demand that you delete their reports from my file. 

Further, the following erroneous information is still listed on my report and since you are required to report only true and accurate information, this will be my final request for you to correct the information before I file a complaint and possible initiate legal action. Please delete the following information : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX 5 ) XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX 6 ) XXXX XXXX XXXX, XXXX, XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX 8 ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX 10 ) XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX  XXXX I will look forward to your response. Please include a copy of my updated report to reflect the changes you make. 

XXXX XXXX XXXX
Product: Checking or savings account

Thank you for letting me share with you my extreme disappointment with US Bank. I used the above account to only transfer funds every two weeks to my ex wife. The amounts have varied becoming less since my divorce was 12 years ago and did not include bonus payments. My divorce decree ended on XX/XX/2021 and there was only XXXX cents in the account. It was to my great surprise to receive notification on XX/XX/XXXX that US Bank went into an overdraft line of credit to wrongfully transfer {$2100.00} to my ex wife against my wishes. I never set up overdraft protection on this account and had the experience with this account in the past that if I did not have enough money in the account that I would receive an angry message from my ex that she did not receive her money. 

After made aware of this mistake, I spoke to various people at US Bank requesting that they claw the funds back because it was one US Bank account to another US Bank account. I was told by XXXX XXXX NMLS XXXX to speak with the branch manager, XXXX XXXX NMLS XXXX. She was extremely unhelpful and provided me with a pamphlet, Your Deposit Account Agreement effective XX/XX/2021 and stated that US Bank had the authority to place overdraft protection. Again, I opened this account 12 years ago and would never have agreed then or in 2021 to provide overdraft protection on this account. I also spoke to XXXX XXXX, my corporate personal banker who also stated that there was nothing that he could do to rectify this situation. 

I have been a US Bank client for the past 27 years and could not believe how dismissive each and every interaction that I had with these representatives of US Bank. After being threatened with overdraft fees and collection agency, I decided to close the account with XXXX XXXX on XX/XX/2021 and paid the amount of {$2100.00}. It is my viewpoint that it cost me {$2100.00} to do business with US Bank and will do my best not to find myself in the same situation in the future. 

Thank you for reading to the end. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A states I have rights to privacy and reported information about my credit history that doesn't correlate with all 3 credit bureau. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my consent. 

In accordance with the fair credit reporting act, these account below have violated my rights. 

XXXX. XXXX XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX. Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX
Product: Money transfer, virtual currency, or money service

Ive sent all my funds to Robinhood trading app. 
Ive got into a scam called pump and dump, and Ive lost my money. I have still very little money left on my account but they froze my account after I filed a complaint about the scam. For 2 weeks already I can not reach them over the phone, also, I get some shady calls from other numbers who are definitely work there in Robinhood, but they are scammers. It says that they call only from one number, but Ive got a call from another number.
Product: Checking or savings account

I attempted to transfer funds from my Marcus by Goldman Sachs savings account at the beginning of XXXX. After calling on XX/XX/XXXX to inquire about the transfer, I was informed that my identity couldn't be verified since my phone number wasnt registered under my name. They promised to send me an affidavit of identity to complete, notarize, and return. As of XX/XX/2024, I still haven't received anything. I contacted them again on XX/XX/XXXX regarding my frozen account and the missing affidavit. Despite getting a new phone number under my name, they couldn't identify me due to the new number not being processed yet. They informed me that the affidavit hadn't been approved by higher-ups so they hadnt sent it out. On XX/XX/XXXX, after another call, they unfroze my account and allowed transfers for funds held for at least 90 days. However, my transfer request was denied once more, with the representative mentioning that Florida, my state, isn't a " verified state. '' Im not quite sure what that means or why they never mentioned this beforehand. Another case was opened, the representative told me that someone will call me but no timeframe for resolution was provided. It's been almost a month of struggling to access my savings, and the situation is becoming increasingly frustrating.
Product: Checking or savings account

I XXXX on a XXXX XXXX XXXXXXXX and I had purchased their gold member service/status/badge which is supposed to give you certain benefits and 24 support service and a direct line of communication Never received any help and when another person of lesser status who is friends with support staff reports me several times and is bragging boasting that he can get me blocked constantly XXXX XXXX XXXX XXXX XXXX XXXX the app did not do any investigating didnt view any evidence I had sent in or even bother to listen i reported this to my bank Bank of America to get my money back and they denied me I had several other high level broadcasters attempt to speak on behalf to support staff and present their evidence as well but to be denied and sent away the app is a scam in it self double charging taking more coins then given etc over XXXX grand invested on 3 accounts banned by the person who was XXXX XXXX XXXX and making my life a XXXX XXXXXXXX Bank of America did absolutely nothing in fact by them denying me a refund its like they sided with the app
Product: Credit reporting or other personal consumer reports

according to 15 USC 1692G there are four things I asked Credence Resource Management to send me about this alleged debt. 1.detailed list of the history of payments made by me on this account. 2. to see the signature that I put on a contract guaranteeing that I would pay this creditor. 3.Im asking to see has any insurance claim filed on this debt and lastly, I wanted proof that Credence Resource Management has the chain of title to collect on this debt They have not complied and keeps calling me and reporting inaccurately on my credit report which is in violation of my rights... They have not been able verify or send me these things I demand it be removed my credit report under 15 USC 16 92g.
Product: Credit reporting

XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate information in regards to debt I do not owe them and is in violation of the Privacy Act of 1974 and the Fair Credit Report Act. The FCRA states that consumer reporting agencies are responsible for respecting a consumer 's privacy in regards to non-public personal information. Additionally, any information reported must be with the consumers WRITTEN CONSENT per 15 USC 1681 section 604 ( a ) section 2 and the information MUST BE ACCURATE. I have NOT provided XXXXXXXX XXXX XXXXXXXX ANY written consent to publish my information. XXXX XXXX XXXX is in violation of 15 USC 1681 b and c because they are improperly using my consumer report and not meeting information requirement standards in regards to adverse information. In fact XXXX XXXX XXXX is committing identity theft as defined by 12 CFR 1022.3 because they are using my personal information without authority to do so or my consent. By using my personal information without my written consent they are in violation of 5 USC 552a. I have no contract with them and I have never done business with them. I did contact them requesting information to validate the accounts, and provide the original contracts and they have not done so. I have also received notices from 3rd parties which claim to have gotten my information from XXXX XXXX XXXX which is another violation of 15 USC 1681. XXXX XXXX XXXX reports information on accounts XXXX and XXXX I cant verify to Experian, XXXX, and XXXX because they have reported inconsistent data across all 3 of these reporting agencies. I have never paid them anything ( because I do not owe them ) yet they have reported I made a payment on XX/XX/XXXX and that my account is both open and closed. They have been reporting inaccurate information since XX/XX/XXXX and are in violation of 12 CFR 1016.1 as I have received NO OPT out notices. These discrepancies also show that Experian, XXXX, and XXXX are in violation of 15 USC 1681e compliance procedures which requires them to verify information and ensure information reported is accurate. Any and all consent to XXXX, Experian, and XXXX in regards to these accounts whether verbal, non-verbal, written, implied or otherwise is revoked. Lastly, XXXX XXXX XXXX is attempting to collect a debt I do not owe them and on accounts that have been charged off by the original creditor ( XXXX ) Per the IRS charge offs ( the debt associated with those accounts ) are defined as income and income does not get reported on a consumer report. 
XXXX XXXX XXXX, Experian, XXXX, and XXXX are 3rd parties reporting inaccurate information on my consumer credit report. This problem must be addressed immediately.
Product: Mortgage

I had a loan with XXXX XXXX XXXXXXXX during my time with them I was enrolled in the covid relief forbearance program. I was approved for a partial claim in XX/XX/2021 and then my loan was sold to PHH in XX/XX/2021. Was loan sold to PHH I was put on another forbearance plan but started making regular mortgage payments. Phh applied my payments to the months of XXXX through XXXX which the partial claim had covered. I requested in XXXX that investigate the payment issue an partial claim. I've made 4 payments to PHH for the month of XXXX XXXX XXXX and XXXX which were due when transferred in XXXX. Since then I have followed up with both servicers an received no help but instead I received an intent to foreclose letter from PHH. PHH denied my payments for XXXX and XXXX. As of today XX/XX/XXXX I still haven't received any help or resolution. Thank you for your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 
Who is going to govern these agencies?

By 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

shellpoint mortgage put a notice of default and I did not signed any document those documents are not real they were made fraudulently also I wanted to report that shellpoint is a collection agency with no XXXX XXXX number and the employees do not have a license to make modifications or any kind of real estate transactions I wanted to report that they put me a notice of default on XX/XX/XXXX and I paid them XXXX dollars on XX/XX/XXXX and they never applied the money to the account now they recorded another notice of default with altered documents
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXXXXXX Company Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 Company : XXXX XXXX  Date : XX/XX/2023 Company : XXXX XXXX XXXX XXXX Unauthorized hard inquiries were put on my credit report and my personal info was passed around from these companies without my consent or knowledge
Product: Vehicle loan or lease

I have did everything in my will by submitting documents asking for validation which I did not receive an answer. I sent multiple letters with no response which under the law this items should be deleted if I did not receive any letter back from this company Chrysler Capital. I have all the letters I sent and receipts for certified mail. I also didn't get a letter of repossession when the vehicle was repossess now I'm asking that you all help me resave and get this deleted off my credit because they did not follow laws and resound to me ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my SSN and did n't even send me an email to notify me. I get that security breaches happen but I could have protected myself long before now if they had the decency to notify their customers. Seems to me like they were trying to sweep it under the rug.