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

I tried repeatedly with documentary evidence that XXXX unethical predatory practices including credit reporting violates law. TransUnion gets revenue for reporting false information and refuse to to look into the documents support my position that the error on my credit report is wrong. I sent XXXX letter with their company letter head proving the information on my credit is wrong and TransUnion refuses to delete it. I voluntarily gave my son vehicle back the end of XXXX beginning of XX/XX/2016. There tow truck driver used the vehicle for 6 months in my name and made payments. It wasn't until I inquiring about the auction date that for over 1 month XXXX stated I did not return the vehicle. The account close date is not XX/XX/2016 and the balance should be XXXX not XXXX. That keeps increasing while charged off.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within XXXX days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy XXXX XXXX. XXXX If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 3 years ago I was contacted by an attorney about a class action law suit against Sallie May, now called Navient. The law suit claimed Navient to be guilty of predatory loan practices, which made sense as my student loan interest rates were around 10 %. Navient was served with a cease and desist on collecting debts from me that was signed by a judge. The lawyer asked me to stop paying my private loans. I did. I was never contacted by Navient since that letter, so I know they received it. 2 years go by and the lawyer stops helping me, taking nearly {$4000.00} of my money. I realize her advice has been terrible. I file a complaint with the California state bar. Since then she has been disbarred for her actions. Around a year ago I contact Navient and explain the situation. They said if I sent them a letter and paid my bills off including their fees that I would be fine. This past week I find out they have 2 reports that I defaulted on my student loans, even though I paid all my bills off including fees and have been paying them what I owe every month online. Their website says I am current on my statement. I call multiple times attempting to resolve this situation, repeatedly being told their is nothing they can do. They still send me a bill every month for the private loans, even though they have written the debt off and set it to a collection agency. At the least their actions are highly unethical.
Product: Mortgage

I tried to refinance my home through Guild Mortgage. I was guaranteed approval, and was told we could close on a certain date. I have spent my own time and money finding information out about appraisal 's, engineering reports, and many more things, because GUILD refused to do anything. When I spoke with the branch manager, he said he would do everything in his power, and later that day after providing him with the requested documentation, he said he no longer wanted to deal with us and is denying our application.
Product: Credit reporting or other personal consumer reports

I have been disputing this account for a very long time with Equifax. I disputed this information with all three bureaus for multiple reason, mainly because of the inaccurate information, it being a charge-off ( so no debt is owed to the original lender ), and because the account is not mine. My address has never been the XXXX XXXX XXXX XXXX, XXXX XXXX and I have never been an employee of XXXX XXXX XXXX XXXXXXXX I contacted the Secretary of State in Mississippi and informed them of this information. I was then told that anyone is able to add an individual as a managing member of their business without consent and they informed me to contact the person or business to have me removed. This individual is refusing to do so. I will attach a screenshot of the conversation of me asking him to remove me from his business. Furthermore, I asked Equifax, and the company via phone call, to validate this inaccurate/incorrect account that they are reporting on my credit profile and to show proof of original contract that bares my signature, nothing computerized, and that shows my signature, the same signature that is on my valid and current State of Georgia Driver 's License. They failed to show proof. The documents as you will see does not show proof of my signature anywhere, on any of the documentation. Equifax is the only credit reporting agency that is refusing to acknowledge that they are reporting this information inaccurately. Equifax is in violation of the following consumer laws with regards to this matter : 15 U.S.C. 1681i ( 7 ) 15 usc ( 6 ) ( B ) ( iii ) FCRA,15 U.S. Code 1681e ( b ) under 15 U.S. Code 1681n 15 U.S. Code 1681o Law 15 U.S.C. 1681i ( 6 ) 15 US Code 1681n ( b ) This false and inaccurate information is affecting my credit worthiness and it is making me look very bad to lenders. Also, it is affecting my mental health because I have tried very hard for the past 8 years to build my credit so that I may pursue goals of purchasing a home and accomplish other goals that I have and this continues to affect my XXXX. 

Please see all of the attachments of letters sent to them, the conversation between myself and the individual that has falsely and illegally added me to his business without my consent, and the results they recently sent me back in the mail to support my complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. In my letter I requested the following : 1 ) Update my Name, 2 ) Update my current address, 3 ) Remove my previous addresses, 4 ) Delete this account : XXXX : XXXX, {$6400.00}
Product: Debt collection

William & Fudge keeps calling me and my spouse. They claim I owe money from a balance of about {$600.00} to XXXX University. I attended XXXX XX/XX/1998. I also contacted the school, 7 years ago because of the hold I had on my account, and they told me that it was an error and released my transcripts. 
It seems to me that Williams and Fudge has tried to add to the balance of a debt they bought from XXXX.
Product: Credit card or prepaid card

Good Evening, I just got off the phone with the representatives with XXXX XXXX card services. I'm not sure where the breakdown is but I never had any account or relationship with your company, XXXX XXXX. This account does not belong to me it was actually for XXXX XXXX XXXX and I had no responsibility and never applied for giving consent for my ss card to be used. I need this removed out of my credit report once it for all. 

Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

While I was in college, there was a data breach at our admissions office. I was later informed that I have had my personal data used. I was informed to start pulling my credit report for issues. I waited for a while and noticed XXXX accounts I did not apply for. I filed a incident report and submitted it to the credit bureaus and lenders. But still have not helped me resolve the issue. I need help to remove these items. Please see the following : XXXX XXXX XXXX balance : {$00.00} opened : XXXX XXXX XXXX XXXX XXXX XXXX : {$110.00} oened XXXX XXXX XXXX XXXX XXXX
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. 

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

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair pratices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud and their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made due to the breach, and I request that they be permanently removed. 
Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX SelfReported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$8.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have wrote CSA about a debt that I was seen on my credit profile. I finally reached out to the company and asked them to validate/verify this debt. They have yet to verify it. They are in violation of my consumer rights. I have asked them to send me copies of any signed document stating that I have made any kind of agreement with this company ( CSA ) stating that I agree to pay CSA. They have not sent me a contract or binding agreement that shows my original signature and they are required to do according to FCRA. Not to mention this is addressed at an address that I DO NOT reside at and never have and not to mention they have a contact number that has never been assigned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after ten years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681 The date listed on the court document states initil filing date of XX/XX/2011 case # XXXX I have requested and submitted all supporting documentation to remove it, and they still have not done so. It is clearly past 10 years old.
Product: Credit reporting or other personal consumer reports

I have checked my credit report, and I have discovered fraudulent hard inquiries, these hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  please delete this hard inquiries from my credit report
Product: Debt collection

ERC {$1300.00} XX/XX/XXXX XXXX {$1700.00} account opened XX/XX/XXXX These accounts are fraud due to identity theft I want them removed because they do not belong to me.
Product: Checking or savings account

Chase bank closed my checking account and this has been a problem for me when it comes to my finical history. Chase told me that they closed my account based on the assumption of fraud and I have never participated in any fraudulent activities in my life. Chase refused to even tell me why they were closing my account. I went to the bank more then a dozen times speaking to supervisor and some of them mislead me. For example the supervisor told me to get a check report to see whats wrong with my account. I came back a week later to be told by one of the tellers that chase uses early warning not XXXX XXXX. Why would the supervisor lie to me like that. Chase has affected my standing with XXXX XXXX XXXX over these false claims. XXXX  XXXX XXXX has now banned me for life and Im scared. I tried opening an account with XXXX XXXX XXXX and as soon as I tried they banned me for life. This makes no sense to me and i do believe these practices are discriminatory torwards people of low income and poor education cause they dont know who to turn to when banks commit such acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to inaccurate reporting in a collection account that does not have any information in the creditor there for impossible for me to verified the validity of this account, this inaccuracy reporting should be removed immediately, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Collection account ( {$460.00} ) XXXX Unverified Account XXXX XXXX XXXX XXXX Thank You,
Product: Credit reporting or other personal consumer reports

I am a full class member of the XXXX XXXX XXXX lawsuit, which states that my loans be dismissed and removed from my credit report as of XX/XX/XXXX. XXXX, my loan servicer was provided the documentation for this legal requirement in XX/XX/XXXX. They have failed to comply with the lawsuit. My school loans still exist on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the negative account on my credit report. The discrepancies in how this account is reported across the three major credit bureausTransUnion, XXXX, and XXXXare both misleading and damaging to my credit standing.
Product: Student loan

I have reached out several times to Mohela regarding the status of my student loans. I inquired about receiving a refund for what I paid during the COVID 19 Pandemic and have not received a straight answer. My loans were originally with XXXX and recently transferred to Mohela. My first contact with Mohela was through their messaging portal on their website on XX/XX/XXXX, XX/XX/XXXX, and XXXX. I received a generic FAQ and not an answer to my question on XX/XX/XXXX. As a result I filed two claims with the XXXX XXXX XXXX that were closed because the company made promises to contact me. I finally received a letter in the mail in XX/XX/XXXX that stated my request was received and that I would receive a check from the US Treasury. I sent a message to Mohela on XX/XX/XXXX and was told that the US Treasury would send the refund within 60 days of receiving the letter. On XX/XX/XXXX I sent another message after not receiving a refund and was told that they could not verify a maximum time to receive the refund on behalf of the US Treasury. I chatted with a Mohela representative XX/XX/XXXX and was told that I had not received a refund because Mohela was working with my previous servicer ( XXXX ) to obtain my payment history. I would like a straight answer at this point as I have waited over 5 months since my initial request.
Product: Debt collection

I was sick with XXXX  XXXX and was having a hard time XXXX so I went to seek help from the XXXX XXXX XXXX emergency room on XX/XX/2020 and XX/XX/2020 approved as a provider with my health insurance. Because the treatment was XXXX related, the bill was to be covered 100 %. I only learned after many calls to the provider and the health insurance carrier that the doctor who treated me in the ER was not on the approved list of providers, although the hospital was. I had no way of knowing that. I tried talking with the provider, XXXX XXXX XXXX XXXX  who continues to refer me back to the collection agency where the debt was sent. This has had an negative affect on my credit and the collection agency wants me to pay them in full in hopes of removing the negative action on my credit report. The provider did receive some funds from the insurance company but they billed me for the additional {$1800.00}. I also talked with them about House Bill 888. The provider sent the bill to the collection agency without given me any notice.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settle insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions, even though my checking account is currently close because they assume I owe them for something that wasnt my fault after I gave them proof.
Product: Debt collection

XX/XX/19 I went to court and XXXX XXXX offered me an settlement to pay off {$840.00} the offer was {$420.00} I agreeded and paid it in cash in front of the courts and judge. It is now XX/XX/XXXX and this is still on my credit reports XXXX, XXXX, XXXX. It's not fair that it has not been clearded.