23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Today, XX/XX/XXXX, my sister in law called US Bank in regard to a letter she received from them. The letter was asking about transactions on a certain account. When she called, she spoke to a banker who asked her a series of questions regarding ownership of an account. She affirmed that she has an account with my wife, which is a savings account that is being held in trust. The original owner was my mother in law who passed away on XX/XX/XXXX. She was then asked to verify deposits in various amounts, but those deposits did not coincide with any accounts she holds with my wife. Those deposits coincided with an account that my wife and I hold. After her phone call with the banker, my sister in law called my wife and I to notify us of the conversation she had. I had received a phone call on XX/XX/XXXX from the XXXX XXXX XXXX asking me to verify some transactions on my savings account ( for the record, this conversation with the bank regarding my account activity was totally appropriate ). I do not know how my account & my wife 's information had been cross-referenced. But what is more disturbing is that this banker shared private information on my account with someone who is not on that account as a signer. This banker shared balance & deposit information to an unauthorized individual. I feel this is a serious violation and this needs to be remedied.
Product: Debt collection

ALDOUS is claiming that I owe them {$910.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had a storage unit I rented that got burglarized. A couple of boxes of items as well as a laptop bag with personal and business documents were stolen. Among these items were sensitive paperwork containing my social security number and birthday, etc. I filed a police report claiming all the pertinent information related to the missing items and the theft. 

Apparently, within a month someone was using my data to obtain credit and apply for credit. Between XXXX and XXXX of XXXX, I was in XXXX  for 30 days and on XXXX XXXX for 44 days up until about the first week of XXXX give or take. 

I have repeatedly requested that XXXX & Experian investigate this account, provide me with proof of my signature or anything like method of verification, etc.. they have not. The in fact, continue to report the item as verified and updated. 

XXXX XXXX XXXX XXXX account XXXX... IS A RESULT OF IDENTITY THEFT AND I NEED THAT TAKEN OFF OF MY CREDIT REPORT. 

*Data sets related to inputting of accounts were not Metro 2 Compliant. 
*Payment Status Data Listed is Mismatched, Compared to Other Credit Reports. 

I am going to submit the police report and insurance claim documents related to this incident as proof of my truth. I can even get the documents regarding my brief jail time to PROVE that I wasn't even in any way able to open a XXXX account in XX/XX/XXXX. 

My Original CFPB complaint is XXXX If they claim it's to remain on record until XX/XX/XXXX, and won't provide any proof to me, I humbly request the item be immediately and permanently deleted from my XXXX and Experian Credit Reports . 

They have not provided any proof of the Method of Verification nor have they deleted the account from my report. Continue to say the item is updated and it will remain on record until XX/XX/XXXX. How can they do this? They clearly have not properly investigated and have violated my Federally Protected Consumer Rights. 

I have substantial grounds and valid proof and reasoning for the Deletion of This Account.
Product: Credit reporting or other personal consumer reports

Violations of 15 U.S. Code 16815-2. Inaccurate Reporting of information. I have reached out to Equifax, XXXX, and XXXX in regards to unauthorized Inquiries on my credit report and fraudulent accounts opened on my credit report without my consent. In from XXXX to XXXX I reached out to these bureaus to investigate the matter. After 30 days I received reports from the dispute but nothing was changed after saying the accounts were updated and verified. I compared my report from the prior months and noticed nothing had been updated, which is a violation of my consumer rights and a violation to the FCRA Laws. I made them aware that these accounts in question were fraudulently opened under my identity which put me as a consumer and my credit report at great jeopardy. Failing to investigate this matter was a violation and how they are not to be reporting such information especially if I have made them aware that I didn't apply for any lines of credit nor product, as a data Furnisher, their job is to make sure accuracy reflects on a consumer report and I have showed them where they have violated with them not complying with my request to have these inquiries and accounts deleted is a violation of my consumer rights and that they are being non compliant with Federal, State and FCRAS guidelines. I have pointed out the Laws to these Data Furnishers and how they are in clear violations of what they have been furnishing, Credit Reporting Agencies from what they have allowed these institutions to Knowingly Report the inaccurate information. This is a clear violation of 15 U.S. Code 16815-2 and my Consumer Rights, this has affected my ability to obtain Credit and have damaged my Reputation as a Consumer. I Demand these Inquiries and accounts be Deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

, After receiving my credit report I noticed an extremely high number of unauthorized inquiries on my credit report .Which I have not giving any consent to. This is a violation of my privacy as well as ruining my reputation. It has been very difficult for me and my family and has put a lot of XXXX  on me not being able to get approve for a mortgage I recently applied for .Its seems to be XXXX and its agents are being unfair and partial, nor have I giving any consent, Under 15USC 1681b they had no permissible purpose. 
I have not giving XXXX  any order to furnish these reports and I have never consent to these reports in the beginning. This would be considered identity theft .I have reached out and spoke with an fraud specialist at XXXX  where we spent over an hour disputing these inquiries. I would like to request these inquiries be removed and requesting your assistance thats there is a proper investigation. These reports are impacting me negatively which makes it extremely hard to get housing for me and my family. I would also like to request proof of any written authorization XXXX  has received from these creditors showing that I have made consent to these authorizations and That they investigate in good faith. I will attach a copy of the laws that XXXX  will be in violation of below.

15 U.S. Code 1681b ,15 U.S. Code 1681c2, 15 U.S. Code 1681d, 15 U.S. Code 1681e, 15 U.S. Code 1681i, 15 U.S. Code 1681n, 15 U.S. Code 1681q, 15 U.S. Code 1681s. 
If there is any question or additional information needed feel free to reach out me Sincerely, XXXX XXXX where prohibited by law
Product: Money transfer, virtual currency, or money service

I emailed grain technology on XXXX to update my new financial institution account and routing number. I was told no initially, I advised the account is closed and I need to update the records. Again I was told no, finally I told them I will seek legal representation to resolve this and I was then told to give them proof. I submitted the last 60 days of pay stubs that show the last 4 of my bank account, again I was told no. They do not accept pay stubs as proof they asked for bank statements to be emailed to them for proof. I objected due to non secure data transmission. They again said no. I then advised to issue a 1099-c and to close all accounting information and stop any continued damage to my credit report or allow me to verify via plaid with my bank so it is secure. I dont know if this a real company person or if my account and any other PID is being protected.
Product: Debt collection

On 5/16 Lakeview LLC and Parent Company XXXX XXXX received a Debt validation and verification request from the consumer. The consumer believes that Lakeview is using false, deceptive, or misleading practices trying to enforce the alleged debt. Therefore, I ( the consumer ) am disputing the alleged debt and request that Lakeview provide the following information pursuant 15 U.S. Code 1692-1692p most commonly known as, and thereinafter, " The Fair Debt Collection Practices Act ( FDCPA ). '' Definitions pursuant 15 U.S. Code 1692 : ( 1 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 2 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The consumer disputes this debt in its entirety. Pursuant 15 U.S. Code 1692g, the consumer requests : 1 ) the name and address of the ORIGINAL CREDITOR ( See definition above ), therefore, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment.

Verification is defined as : confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
Judgment is defined as : The official and authentic decision of a court of justice upon the respective rights and claims of the parties to an action or suit therein litigated and submitted to its determination. The final decision of the court resolving the dispute and determining the rights and obligations of the parties. The law 's last word in a judicial controversy. ( XXXX 's XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ). 

I request that Lakeview LLC and Parent company XXXX XXXX obtain verification of the debt or a copy of a judgment, according to the definitions above, of the name and address of the ORIGINAL CREDITOR.

This is the consumer 's good faith attempt to resolve this issue that has caused the consumer emotional distress, mental distress, and monetary loss up to {$490000.00} due to the threat of foreclosure.

Thanks
Product: Debt collection

XXXX has sent a previous account into collections based on an amount that I do not owe. A portion of the bill owed was slotted for equipment that I 'd paid for previously when the company withdrew funds from my account. I do not owe for un-returned equipment.
Product: Debt collection

I have a debt of XXXX  XXXX XXXX which was written off by the bank XX/XX/XXXX without my knowledge. I went to the bank XXXX XXXX since a law group kept on delving on XXXX XXXX Clerk File and garnishing salary from my work.This case has been closed.I paid a lesser amount to the bank to close this debt XXXX I sent them checks. I will greatly appreciate if this case will be resolve.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effectively immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX I don't have the account # s because these accounts do not belong too me.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following authorized and unknown inquiries on my credit report i had send letters to Experian and they have not acknowledge my disputXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their refusal to process my dispute despite providing all necessary documentation. This situation violates consumer protection laws, and I am seeking assistance in resolving this matter. On XX/XX/year>, I submitted a dispute to TransUnion regarding inaccuracies on my credit report. I provided all required documentation to support my dispute, including [ copies of bank statement and drivers license. However, TransUnion has refused to process my dispute, claiming that I did not provide the necessary information. This is untrue, as I have proof of submitting all required documentation. TransUnion 's refusal to process my dispute is not only frustrating but also damaging to my financial well-being. As a consumer, I have the right to dispute inaccurate information on my credit report and expect credit reporting agencies to handle disputes in a fair and timely manner. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against TransUnion for violating consumer protection laws. I request that TransUnion be required to process my dispute promptly and accurately, and that measures be taken to prevent similar incidents from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Debt collection

I am a consumer in pursuant to XXXX XXXX XXXX, XXXX, XXXX, and JPMCB is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX  XXXX, XXXX, nor JPMCB consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name and address with a false amount and no contract. They stole my identity this is a {$1000.00} violation. In pursuant to Title 31 U.S.C. Sec.3123 all debts are United States obligations! In pursuant to The False Claims Act ( FCA ), 31 USC 3729-3733
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  Iowa XXXX Subject : Formal Complaint against ( Associated Credit ) Dear Consumer Financial Protection Bureau, I am formally disputing the validity of the debt that this Collection Agency has placed on my consumer profile. This agency has not provided the necessary validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Furthermore, I have not been given the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
The Collection Agency 's actions are in clear violation of my consumer rights as protected by the Consumer Financial Protection Act, by using false, misleading, and deceptive means. They have no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. This constitutes a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). 
To resolve this matter, I am requesting the following : 1. Debt Validation : Provide a detailed validation of the debt in question, including but not limited to the amount of the debt, the name of the original creditor, and documentation that substantiates the debt.

2. Proof of Licensing and Bonding : Provide proof that your agency is licensed and bonded to collect debts in my state. 
Additionally, failure to produce the above mentioned documents, I demand the immediate deletion of the accounts from my credit report. I am disputing owing any and all debts to their agency. Please note that I am revoking all rights of the agency to communicate with me through email, text, or calls. Any further communication must be in writing. 
The date on my consumer report indicating that I opened an account with this Associated Credit is blatantly false. I neither received any services or products from this collection agency, nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 
Please acknowledge receipt of this dispute and validation request within 14 days. Failure to respond adequately and timely will result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General 's office. 
Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably and swiftly.
Product: Vehicle loan or lease

When I took my vehicle for its first service in XXXX I discovered that I was overpaying for maintenance and warranty so I cancelled it to Lower my car payment because with those extra contracts it made my payment so high. Company received over {$5000.00} and instead of applying towards my payments they just reduced my terms, which doesnt benefit me at all. Im still having to make high payments and now not even have the warranty and maintenance. I feel its unethical what they did. If they received a refund check, they have to apply to towards my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT ADJUSTERS , L.L.C Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, KS XXXX This company reaged a old collection account from XX/XX/XXXX XXXX XXXX and added it as a new separate collection account saying it was charged off XX/XX/XXXX they are not slick
Product: Money transfer, virtual currency, or money service

I received a text on XX/XX/ requesting XXXX XXXX to be sent to my friend XXXX XXXX through the cash app. I contacted XXXX directly and he said that he never requested any funds. He told me that other friends had also received a request. All of us had previously sent funds through the Cash App. I contacted the company, but they were unwilling to help me. They told me that XXXX would have to talk to them as it was his account that mustve been hacked. The problem with that is that my financial information and apparently others have been affected as well. The only remedy the cash I provided was the recommendation to block my friend from the app itself, which is not a remedy. I can only assume that we were not the only ones affected.
Product: Mortgage

In XXXX XXXX we were contacted by GMAC and asked if we were willing to refinance our home mortgage. The mortgage offered by GMAC was a no-appraisal required, no-income verification loan. After research and finding that this was n't a scam and being in a declining financial situation we decided to do the refinance. This process began in XXXX XXXX and was dragged out until XXXX XXXX. We did not realize and were not offered a principal modification mortgage by GMAC. After having a business failure in XXXX XXXX we found ourselves in a situation where we were seeking help with our mortgage and realized that by taking 24 months to refinance our mortgage, and the shut-off date of XXXX XXXX, XXXX for a principal modification mortgage under XXXX had been denied principal modification loan assistance because of the 24 month time frame it took to refinance our mortgage. The only difference between our current mortgage and our previous mortgage is the date and the loan number have been changed. It appears that by dragging out for 24 months our loan refinance that it now allows XXXX, GMAC and XXXX to deny a loan modification. Having the ability to look back at this transaction it appears that numerous violations of predatory lending have denied our right to seek assistance under the XXXX program. We have again been denied assistance by Ocwen, who is acting as a debt collector for GMAC, and have not been able to discuss this situation with GMAC management. We deeply appreciate anything you can do to assist us and at this point it will make a difference of us losing our home.
Product: Student loan

XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fed Loan Servicing is currently reporting that I have two loans in collections with a XXXX balance. I contacted the company on X/XX/17 and  was advised that since the loan is no longer handled by them I need to go to the website and print off a credit dispute form and mail it in. The form was sent to them and I received a response from them stating that the balance of the collection accounts are correct.
Product: Debt collection

I have disputed this account with the company and they have verified the amount. furthermore they have posted that we have agreed on the account as being a debt, I have no knowledge of this creditor nor have gotten any contract stating I owe them. Either show something in writing that I owe on this account or please remove from my credits reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to run my credit to buy a house found out that I have a medical collection shown on Equafix which I dont have any medical collections. Have contacted Equafix but unfortunately after I gave them all my details they said they couldnt access my account so they wont be able to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

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 dont have no written premission 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. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this