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

Date : XXXX RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} XXXX. 
Attn : XXXX. 
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my XXXX, XXXX, and Experian report and furnished several inquirys without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I have not initiated any transaction with ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX is mine but it is XXXX years old it should have fell off. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection. PLEASE DELETE THESE ERRONEOUS INQUIRIES I AM THE VICTIM OF IDENTITY THEFT.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the 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 the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified Remedy : Please send payment Via Check Payable to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX
Product: Debt collection

To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. 
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is. 

If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once. 

I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. 

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX respond to the complaint, and only resolved 1/2 of the problem. BOTH late notes should have been deleted ( not just the one that they deleted ) ... the late reports, and fees were all part of the same issue ( hacked checking account and documents sent to XXXX on 7 occasions ). This ongoing issue with XXXX is hurting our credit score and the ability to get a mortgage. Below is the email that I sent to XXXX on 4 occasions, going back to XX/XX/XXXX. Hello XXXX, Once again thank you for sending the summary / account activity report on our account. Please note the following as to our account. We have been and continue to make two payments per month. Each payment is for {$1200.00}. We have been making these two payments per month for over 2 years. Per your predecessor, XXXX XXXX XXXX, your company did not process the two payments in a timely manner as they did not know how to handle these types of payments, ( even thought I noted on EVERY payment the amount to principal and to the payment ). Hence these payments were shown as partial at times and at times caused the account to show as late. Because of this improper handling of our payments, late fees and notes were added to our account. The returned checks / fees were due to my checking account being hacked and our account frozen until the fraud was being corrected. Again this information was communicated to XXXX during several phone calls. In closing the following corrections should happen to our account. 1. All late fess should be waived. I am ok with the late fees being credited to our account as additional principal payments. 2. Our account should not show ANY late payments. Thank you in advance for correcting these errors on our account. Please feel free to contact me with any questions. Best regards, XXXX XXXX XXXX XXXXXXXXXXXX HELP!!!!! 


Above is the information from my past complaint ... .This is STILL NOT FIXED ... there should be XXXX late payments showing ... .This is crazy as they ( XXXX ) have not fixed all of the issues. ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company GRAIN TECHNOLOGY , Inc To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXXXXXX XXXX, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to fraud department email. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows on my XXXX XXXX I owe {$400.00} and a Credit Limit of {$2000.00}, incorrect information! I owe {$97.00} and my Credit Limit is XXXX! I have not owed {$400.00} on this Card. XXXX XXXX Credit Card shows I owe {$25.00} I paid my XXXX XXXX Card off on XX/XX/ I owe {$0.00}. This is false reporting on my Credit Reports by XXXX, XXXX and Transunion!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX with XXXX XXXX XXXX XXXX XXXX XXXX 
I received a response from you dated XX/XX/year> where you stated that the item had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 
I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 

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

XX/XX/2020, {$520.00}. XXXX  is both a credit report and Collection agency as per conversation with XXXX XXXX XXXX. XXXX  XXXX. aka XXXX  took on a third party contract ( which XXXX  failed to disclose any info regarding this purchase from XXXX XXXX so, I can proceed with legal action ). My findings from XXXX  stated XXXX was acting on the collection agency side on the date of submitting to the bureaus. XXXX XXXX abused their powers as both a collection agency and credit bureau by violating the FDCPA ( Fair debt collection law ). XXXX  failed to notify me about the third parties collection claims or give me the right to dispute or produce information that I was a victim of identity fraud and I don't have bad debt. Instead, XXXX  made false and misleading documentation of both reporting and submission to the other credit bureau 's including their vary own and no allowing me to dispute this on their website. After receiving info from XXXX  that XXXX  was the agency to contact, I spoke with XXXX on XX/XX/2020. XXXX advised me that the collection was removed and it was sent back to the third party company that purchase the debt from XXXX XXXX. However, when I first made contact with XXXX the agent stated, This is an an attempt to collect a debt. '' Meaning this was truly the agency as advised by XXXX  that violated my RIGHTS and Abused their authority to both collecting and reporting to the Bureau. XXXX  refused at that point to give me requesting info to the name ( address or phone ) of the company they were collection on which further violates the law. All XXXX  advised of it would remove info from my credit ( nothing was stated about the other two credit reporting agency ) and it would return the account back to the third party agency as a dispute and they would send out a fraud affidavit. I stated if you would have did your job by notifying per the FDCPA ( Federal Trade Commission ) you would have had my police report and FTC report on the identity Theft..****XXXX  HAS VIOLATED MY RIGHTS AND HAVE USED XXXX to try to get away with their ABUSE AND MISUSE OF THEIR POWERS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, A background check was requested through accurate background for XXXX XXXX. The information on this report is inaccurate. It states I was sentenced to 1 year of XXXX with 2 days XXXX  credit. This is absurd, for operating a vehicle while iXXXX. I was never ever sentenced to any XXXX  time what so ever and have never been to XXXX.
Product: Checking or savings account

i opened an account in Marcus bank online and deposited a cashier check given by XXXX XXXX XXXX in around XXXX after some time i tried to transfer whole amount ( XXXX ) to other bank of my relative but some how my account got closed by Marcus bank stating that they observe suspicious activity. i called Marcus bank and they requested my identity. i provided my XXXX identity and i am from XXXX but they refused to reopen my account. i told them that i can not provide my XXXX identity because i was no longer in XXXX as my XXXX XXXX XXXX XXXX and i moved back to My country ( XXXX ). 
Now my money is struck from 2 years. i request Marcus bank to issue me a check for my XXXX XXXX  or transfer the money to my relative who is in XXXX. 

Please help as i am in need of money. 

My Name : XXXX XXXX XXXX : XXXX Total Money : {$4400.00} Marcus Bank Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey what the XXXX is happenin? I was told that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, i sent you the letters on XX/XX/2021 its almost 3 months have passed but I still haven't got any response from you. What the XXXX is this???? This is clearly a violation and your negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
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 credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

In accordance with fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 604 a section 2 ( also states a consumer reporting agency can not furnish an account without my consent! 
My debt was sold to collection companies without my written consent or any consent at all. I would like all negative items removed from my credit profiles for violating my rights under FCRA
Product: Mortgage

My home loan through Lakeview Loan care is not being reported on my credit report, yet I took the loan out over 3 years ago and am living in the house and making the payments on the loan. I recently went to refinance and thats when we found its not being recorded to my credit report which is very confusing and concerning. I contacted the loan company and they were no help. 
I was told to contact here and dispute this so it is recorded! 
My loan serviced by ( loancare ) i can provide account details if needed! balance is {$240000.00} This is very concerning as ive been paying on this loan for 3+ years! 
And speaking to loancare about this issue got me nowhere. Need it added to my credit report! Please
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Payday loan, title loan, or personal loan

I received a copy of my credit report and there are a stunning XXXX accounts with Affirm being reported. I have never done business with Affirm ever. I have never had an affirm account or applied for an affirm account and any affirm account opened in my name was done without my knowledge and is a result of identity theft.
Product: Debt collection

XXXX XXXX due XXXX Letter was sent but no response Transunion Total due XXXX XXXX was sent no response XXXX XXXX due XXXX Letter was sent but no response I need clarification on why there are incorrect reported marks on my credit A collection is by default late and past due. Delete this account due to innacurate reporting
Product: Debt collection

Called my cell and left voice mail without my consent to call my cell phone. Making me extra charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact equifax several times, and have verified my identity several times and been on hold several times, its been 6 months and Im still not able to logon to there website to dispute my credit report with equifax, I have faxed information to them, called, have been transferred several times and still no luck They gave me a ticket number but no luck XXXX Equifax customer service
Product: Debt collection

Received a call from XXXX at XXXX XXXX advising this is their last attempt to reach me regarding an account in 2007 with Wells Fargo. Advised XXXX at XXXX that I do not know what he is talking about and that I will contact Wells Fargo to discuss further. Contacted Wells Fargo and spoke with a nice representative named XXXX. XXXX advised any accounts that old would not be valid anymore and if the amount was less than {$5000.00} they would not proceed. XXXX advised this seems like a scam and they are trying to get money ( scam/fraud ). XXXX word for word advised how scams like this go. Same exact explanation from XXXX at XXXX. XXXX refuses to provide me with any documentation regarding this account and advised he will be sending a process server out to serve me with court documents.
Product: Student loan

I have been having issues with my student loan lender, Mohela. On XX/XX/XXXX of XXXX, I received an email from them stating that my account was placed into administrative forbearance between XX/XX/XXXX to XX/XX/XXXX. They defined this as I was not required to make any payments during this time ; payments that were made could be either applied to future payments or be refunded. On XX/XX/XXXX, I called to see if this could be applied to my XXXX payment to which I was told this was not possible since I had called the day payment was due ( I ended up paying the full amount for XX/XX/XXXX ). However, I was confirmed by the agent that I could use this to fully cover my XXXX payment and to partially cover my XXXX. In XXXX I received correspondencethat I was late on my payment, which was confusing because I had previously confirmedwith an agent that what was paid during the administrativeforbearancewould be applied to said payments. I called again and was told that this would be corrected. It is now XXXX and this has yetto be resolved. I've been attempting to call them multiple times today which led to no answers due to being put on hold over and over. My final call resulted in briefly speaking to an agent in which she said she would connect me with the appropriate department. After waiting over an hour on hold, the system directs me to a survey of their services. My issue has not been resolved and I've attempted to contact the lender multiple times to do so when it is their fault I am in this predicament. As most people, I have limited availability during which I can call them to resolve this. I'm not sure what else to do other than continue calling and file this complaint. Any insight would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/ 2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX  any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX  reporting this line once again when there is no way for me to satisfy.
Product: Credit reporting or other personal consumer reports

Im in shock. When I checked my credit report today, I saw accounts that shouldnt be there, and I cant figure out how this happened. I check my credit often, and everything was fine until now. I thought maybe my browser was acting up and refreshed it, but the inaccuracies stayed. Please, Im pleading with you to carefully review the documents Ive sent so I dont have to live with this XXXX anymore.