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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX DOB XX/XX/XXXX XX/XX/XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. I submitted my FTC report XX/XX/XXXX to remove the fraudulent account from my credit report. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Checking or savings account

I RECENTLY TRIED TO OBTAIN MEMBERSHIP WITH NAVY FEDERAL AND UNBEKNOWNST TO ME A MEMBERSHIP WAS OPENED IN MY NAME FRAUDULENTLY AND WITHOUT MY CONSENT I THEN STEPPED INTO A LOCAL BRANCH WASNT GIVEN ANY INFORMATION CALLED SEVERAL TIMES AND GIVEN MINIMAL INFORMATION FINALLY AFTER MONTHS OF XXXX THEY MENTIONED CALLING XXXX XXXX I REACHED OUT AND SAID THEIRS NO INFORMATION WITH MY NAME IVE BEEN REJECTED AN ACCOUNT WITH THIS INSTITUTION WHEN I MEET THE QUALIFICATION MY NAME IS XXXX XXXX I CAN BE REACHED AT XXXX Under XXXX5 U.S. Code 1681e ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item, of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX Dob : XXXX Sos : XXXX Date : XX/XX/XXXX To : Attn Supervisor Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Dispute of Fraudulent Accounts and Inquiries FTC Complaint : XXXX Dear Sir or Madam, I, XXXX XXXX XXXX hereby state that the information provided in this letter is accurate to the best of my knowledge. Several accounts and inquiries are being reported on my credit report that I have no knowledge of and believe to be fraudulent. 

As a result, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) under the reference numbers provided above. I kindly request that you review the following details and take the appropriate action to remove these accounts and inquiries from my credit reportXXXX 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 Date Opened : XX/XX/XXXX These accounts and items were not authorized by me and are fraudulent. I have no knowledge of their existence or activity. 

I have attached and uploaded the following documentation to support my dispute : Copy of my government-issued ID Copy of my Social Security XXXX FTC complaint XXXX Affidavit Personal statement letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Certified letters to Experian and  XXXX  on  XXXX   XXXX ,  XXXX  ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  XXXX  on  XXXX / XXXX / XXXX . I also sent a fax to  XXXX  on  XXXX / XXXX / XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my  credit score h as dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XXXX / XXXX / XXXX  confirming that I am no longer responsible for these  XXXX  accounts.
Product: Credit reporting or other personal consumer reports

Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review
Product: Credit reporting or other personal consumer reports

I just submitted a previous claim for the equifax data breach in which I was told by equifax I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempt3d too dispute these items send innletters nothing has been done by equifax during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment
Product: Checking or savings account

A court order directed XXXX XXXX, to transfer funds in my mother 's name to an estate account after her passing. 

Also in the account were checks deposited in my name in the amount totaling of {$87000.00} My funds have been tranferred and the bank has now closed my account PLEASE HELP
Product: Credit card or prepaid card

In XX/XX/2022, I was approved for the American Express Blue Cash Preferred card ( account ending XXXX ), which advertised a {$300.00} " welcome bonus '' if you spend at least {$3000.00} within 6 months of account opening ( similar to the existing offer - see link below ). 

When the card eventually arrived at my home, I called AMEX customer service to confirm that I was eligible for the welcome bonus ( as I always do when I receive a new credit card ) and to confirm the terms. A customer service representative explicitly confirmed, over the phone, that I was eligible for the welcome bonus. 

Within the last week or so, I was able to cross the {$3000.00} spending threshold, which means I should have seen the {$300.00} credit. Today, I contacted AMEX customer service again, who this time stated that I am actually not eligible for the bonus, due to " account history. '' I was never informed of this, so the news came as a surprise. The representative informed me that she will open an internal investigation, but that I shouldn't expect a resolution in my favor. Hence this complaint. 

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 XXXXXXXX
Product: Credit card

Citibank advertised a promotion for its XXXX co-branded with Sears to provide a 10 % statement credit for purchases cumulatively exceeding {$300.00} and made at gas stations, grocery stores, and restaurants in XXXX and XXXX, 2016, specifically stating : " For total eligible purchases of {$300.00} or more each month XXXX/XXXX/16 - XXXX/XXXX/16 up to a total statement credit of {$100.00} each month. '' I registered for the promotion on its first day and spent over {$1000.00} in each of the XXXX and XXXX billing cycles at gas stations, grocery stores, and restaurants. Citibank, however, has credited me only the first {$100.00} statement credit and is refusing to provide me with the second.
Product: Debt collection

I have been contacted by Global Solution Biz LLC regarding an alleged debt. They have repeatedly refused to provide validation of the debt despite my requests under the Fair Debt Collection Practices Act ( FDCPA ). They have threatened to seize my assets and have stated they will enforce liens against me without a court judgment. They have also ignored my cease-and-desist request, continuing to contact me in a manner I consider to be harassment. 

Additionally, they have made false representations, suggesting they can enforce actions without due legal process. Despite my repeated efforts to resolve this through proper documentation and validation, they have been uncooperative and intimidating. I seek CFPB assistance in addressing these unfair practices and protecting my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00}
Product: Debt collection

XX/XX/XXXX received a letter from my employer notice of wage garnishment for XXXX XXXX XXXX XXXX XXXX Department. When looking at order it is a lawsuit from Portfolio Recovery a lawsuit that was taken place in a different county in XXXX when looking up the case its a case that was filed in XXXX. I now live in XXXX XXXX XXXX I havent received the proper notice or serve about this case.
Product: Debt collection

I keep getting billed for lock box with chase I never had one and don't have one now
Product: Credit card or prepaid card

Submitted paperwork to navy federal credit union of my military status of the SCRA, which caps intrest rates at 6 %. Navy federal has had over a year to fix my accounts which at one time became deliquent due to navy federal restricting access to my account, restristed online access to make payments for payment.
Product: Credit card or prepaid card

This account is being reported inaccurately. I was never late on this account however it is being reported with repetitive 30-day marks which is a clear violation of the FCRA. 

I have disputed this account a few times and have asked for any proof or documentation that I was ever late but got no response from them which violates my rights.
Product: Student loan

Greetings, I am having an issue with FedLoan Service regarding my PSLF certification forms. I have been with the XXXX XXXX since XXXX and ever since I started making payments on my student loans on time. Under the new and revised PSLF program, I am way qualified for a student loan cancellation after more that 10 years of service with the XXXX XXXX Here is the problem, I submitted my application with FedLoan for PSLF way back in XXXX. 
I never heard anything until last XX/XX/XXXX after I called them requesting status of my application. Then they told me that one of my XXXXXXXX employer missed a signature on the form. I responded to them why I was never been informed for the past 3 years for the lack of signature from a previous employer. They asked to resubmitted another PSLF certification form. After I contacted the previous employer numerous times without any answer. I filled the form and checked the box # 3 stating that I was unable to get my previous employer. I signed the form and I uploaded in FedLoan system. 
I called FedLoan last week and first spoke with a customer service agent name XXXX. He was very nice and diplomatic. He advised me to upload copies of my W-2s for the employer in question. I needed to obtain W-2s from XXXX until XXXX. 
After I made numerous phone calls to the IRS and SSA, I found out that IRS and SSA does not keep copies of W-2s. 99.9 % of tax payers usually filed electronically therefore they can only provide TAX TRANSCRIPTS for previous years. Additionally, tax payers are legally liable to keep records of their tax return for up to 7 years. That take me way out of that 7 years period because I need tax records from XXXX to XXXX. 
I called back FedLoan and spoke with a customer service representative named XXXX. I tried to explain to XXXX that IRS and SSA can not and will not provide W-2s dated back XXXX to XXXX. However, I can get a certified copy of my tax transcripts for those years since I can not get my previous employer to sign the PSLF certification forms. XXXX insisted that I send or upload copies of my W-2s. He continued by making a smart comment : FedLoan does not make the rules, if I need to submit tax transcripts, I will meet contact Congress to make law for that.

I found this very strange to see that FedLoan Services refuse to accept IRS tax Transcripts in lieu of W-2s while Citizens can get a mortgage or open a business by submitting their tax transcripts during the application process to the US banking system. US banks require tax transcripts during a mortgage application why cant FedLoan Service accept Tax Transcripts as well. 

I am under the impression that FedLoan is putting barriers and preventing borrowers to finalise their PSLF certification before the deadline this year. Please look into the matter. 

XXXX XXXX
Product: Debt collection

The Gurstel Law Firm, a debt collector with offices in Arizona, has attempted to collect a debt that it knew or, should have known was the result of identity theft. Gurstel Law has used the court system to intimidate me and my family into paying a debt for which we're not responsible. The firm has acted extra-judicially in attempting to collect a debt from those who are not responsible for the debt.
Product: Debt collection

On XXXX. XXXX, 2019, Ideal Collection Services Inc. reported a balance of {$6100.00} in debt to XXXX of my credit reports. I have requested on multiple occasions for a thorough investigation and validation of this debt. I have never received any contracts, signatures that I have signed to validate this debt. 

They refuse to remove this debt from my credit which hindered my credit score GREATLY. 

They cant provide validation of the debt and still refuse to remove it. I have no clue who these people are, how they got my information and so fourth and they wont provide me any proof.
Product: Credit card

On XX/XX/year> I called to make a payment and was told it was delinquent and it was determined that it was reported to all credit bureaus. I did not realize as I had moved, been out of town and getting ready to start XXXX XXXX on top of several other things occurring at once. Which happens at times, and usually you get a call or a email or a letter and make a payment. I received nothing. I had asked that if I paid it off that the reporting be removed. The agent said no. The next day it was reported again to the credit bureaus after I had paid it off. My points went down nearly XXXX XXXX. This seems excessive. Credit card companies should make an attempt to reach out to consumers especially since I have never been late more than a couple of days. I have many credit cards and other creditors at least give you a heads up. I have to apply for some loans for XXXX XXXX and this will severely affect my ability to attend. I also will be on the market to buy a house. This will delay effect my ability to do so. Had this balance been with another creditor this would have never happened. This is not an incentive to ever use ALLY for any credit or banking purposes ever again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is stating that they verified a bankruptcy with the court. I have supplied Transunion with a letter from the Court stating they do not verify anything by phone fax or email. When challenged again, Transunion stated they used a 3rd party -letters from the Court have been supplied stating they do not verify TransUnion is reporting false information and under FCRA they must remove it
Product: Debt collection

Caine & Wainer Company collection posted since XX/XX/2020 for XXXX $ that was deleted some months and came back to my credit report with unproven that debt that i never owed again. 
account number is XXXX the insurance company was already closed XXXX years ago when i got the collection again with a unverified debt that need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the recipient about accounts that were inaccurately reporting and I still have not received any notice or update about the accounts. My credit is very important to me and I would like to have some assistance with this matter. The contents of the letter are as follows : NOTICE REQUEST FOR REINVESTIGATION RE : XXXXXXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX I believe that the information on the consumer report is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I am requesting a reinvestigation for the following : XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXXXXXX, Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX, Account # xxxxxxxxxxxx XXXX Please verify if the following accounts listed above are reporting accurately or completely. I am disputing the Date of the last payment and the open date of XX/XX/XXXX. Once verified please send a copy of my credit file. 

Please help me with this matter asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked to see if I was on the equifaxbreach2017.com website, and I am. 
This is a gross mishandling of my information, I have placed trust in them to protect my personally identifiable information, and now I am at risk for Identity Theft a second time. The first time was through Office of Personnel Management.
This is bad news for myself and millions of other consumers. As a direct result, there should not be a fee, waiver or police report required to freeze my credit, and I should be able to choose how long I want to freeze it for. 

I found out about this breach through a third party, and find it incorrigible that not everyone will be notified or in a timely manner. 

Regards, One of 143,000,000+
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX and XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with Experian and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.
Product: Debt collection

I called R and R collections asking for any information or proof of this debt. I asked for all records of this debt thats on my credit report. The office manager XXXX informed me that " they do not keep any records in their office and can not send me any information whatsoever '' She told me to call the hospital because they do not have anything in their office to show proof of this debt which are two medical bills reporting on XXXX. The other collection on my report is from XXXX XXXX heating and air. This company is out of business for the last 5 years. So they can not validate this debt either. They also reporting this collection on my report 3 in all. I believe they refuse to cooperate with me, they refuse to send me details ..I have reported this to the credit bureau 7 times and they refuse to validate the debt. The credit bureau gave me your contact information to make a report and file a complaint