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

I am a victim of identity theft through a data breach. As your company knows a data breach has effected a lot of people in their lives in a negative way. My life has been turned upside down because of it. I have fraudulent inquires that can't stay on my report and must be blocked and removed according to the FCRA you have 4 days within receipt of this to get it off my report. As you know me being a victim of data breach has made me vulnerable. Im in the process of buying a house for my XXXX  he's a XXXX  man and needs a place to be where he can heal and get better. Family is everything to me and I hope it is to you. As a consumer protect me and remove this as soon as possible because I have to buy a house and it is stopping me from helping my XXXX. I have attached the FTC report with the names and dates the fraud took place, also a picture of my ID and proof address. 

XXXX Bless You.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence for any third party or agency.
Product: Credit reporting or other personal consumer reports

I looked at my report recently and noticed somethings are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporti my agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the indivisiual about whom the report relates. 
I sent a letter asking them to investigate these accounts listed below because XXXX XXXX bank XXXX date is not reporting correctly, date last active date of last payment is not correct, this account is not mines. 

Thank you for your attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an offer in the mail to settle my Capital One Account. I contacted the collection company and spoke with a Supervisor with the collection company and Capital One who advised that if I paid the account off the same day for the agreed upon amount that both the collection company and Capital One would totally remove the debt from my account as a good faith removal. I paid the agreed upon amount and received a receipt. However, Capital One has not held up their end of the bargain. It was not beneficial to pay the debt for the charge to remain on my credit as this is still destroying my credit. I reached out to Capital One and even sent a letter to them regarding this reporting still showing on my credit ; to date they have not been responsive. Any assistance you can provide to ensure Capital One is being held accountable for what they told me would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation into 2 student loans that were reporting on my credit file. The file is actually past the statute of limitations and yet they did not even supply a full payment history on their response. They start the payment history in XX/XX/XXXX and not anything prior to that. That shows they did not truly investigate because both accounts have been opened since XXXX.
Product: Debt collection

On XX/XX/2018 I sent a letter to who I believed to be the owner of the debt in question to validate said debt. Creditor responded by sending a " account summary report '' as opposed to what is required by law. 

On XX/XX/2018 I submitted letters to all three credit reporting agencies demanding that they remove the account attached to " XXXX XXXX '' from my credit report as inaccurate. I disputed this report because ( 1 ) the listed owner of the debt did not accurately reflect the entity attempting to collect the debt, and ( 2 ) the entity collecting the debt did not provide adequate information under FDCPA because they did not submit a signed copy of the contract from the initial credit provider. Subsequently, the account was removed from my credit report. 

However, about a month later, the debt was recertified on all three credit reports. I sent another letter to the entity that was attempting to collect the debt requesting that they verify if they were the owners of the debt, and if not, to cease and desist attempting to collect. I again was sent an " account summary report '' with no response to my further questions.
Product: Vehicle loan or lease

I traded in my XXXX XXXX for a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Texas on XX/XX/XXXX. Right after I signed the lease I told the salesman that I had my doubts about what I had just signed and wanted to cancel. The salesman told me that I could go back the next morning to either undo the lease, select a different vehicle or modify the existing contract. I told the salesman that my concerns were the following : ( 1 ) I was promised a 36/month lease and the contract was for 39/months. ( 2 ) I was promised to have my trade paid off and not have negative equity rolled in and negative equity was rolled in. ( 3 ) There was a Rent Charge in the contract for {$6500.00} which was about half of the 39 monthly  payments. When I went back to the dealership the very next morning, the finance managers did nothing but tell me how good my contract was and that a high residual was to my advantage which I disagree. The finance manager also told me that he did not know why this salesman had told me that I could undo the lease if that was not possible. Then I saw an article where Ally which is the finance company that XXXX XXXX XXXX used, had a XXXX discrimination settlement. I was wondering if you could review the attached narrative and documents to see is I am a victim or the same type of violation.
Product: Debt collection

Hunter Warfield is contacting me in violation of multiple laws under 15 USC, Chapter 41. See the attached.
Product: Money transfer, virtual currency, or money service

Recently I was scammed for buddy pass tickets for XXXX XXXX. The scammer had me use XXXX through Wells Fargo which I believed to be secure but indeed is not. The bank incorporates XXXX in their mobile app and make it seem like it's a transfer feature between people with the same bank. They make it seem secure and trackable. The bank does.not care that this is happening nor are they cooperating. I did a lot of research on the identity that the scammer used. I eventually got in touch with the real person who's identity the scammer was using. He claims it's a huge on going investigation and he gave me contact info for a Detective XXXX XXXX. The banks should not be backing XXXX. It is misleading by having it incorporated in their mobile app and they seem not to care whether I told them I was scammed. They should reverse the payment and also provide the receiving account details to the Detective.
Product: Credit reporting

I am a recent victim of identity theft. I received my XXXX letter in the mail giving me access to a free credit report to check for any additional fraudulent information. I identified an address that was not mine. I do not live there, nor have I ever lived there. I disputed the information and XXXX got it removed successfully, no problems. Then, I went to Transunion and pulled my credit report and found the same information. I tried to start the dispute process online, but when I did the second address was not listed as something I could dispute. I called Transunion at that point to speak to a representative. The representative was extremely rude, insulted my intelligence, and was unable to help. I sent an email to their customer service, and was told to call the same number again. So, I called today and the representative, again, did not believe me that there was another address. He told me to call back when I was in front of a computer because he did not believe me that I was looking at the TRANSUNION website ( again, insulting my intelligence ). I followed his instructions, called back when I was home, with the credit report in front of me. I spoke with a representative who was unable to help and requested he send me to his supervisor. I spoke with his supervisor whose name was XXXX XXXX and he AGAIN insulted my intelligence. He asked me to read him the URL of the website I was on, refresh the web page, etc, to prove I was telling the truth. Every representative I have spoken to has been insensitive, dismissive, and rude. INCLUDING the representative who answered my email with not even one complete sentence and did not offer to help me AT ALL. When I asked to speak to XXXX 's supervisor, he said I would have to speak to the XXXX team who would not be open until tomorrow. I even offered to send him a screenshot of what I am seeing but he just told me to talk to the other team. I am beyond frustrated with Transunion and their rude, insensitive behavior. You would think these representatives would be trained to handle identity theft victims with a little more empathy.
Product: Checking or savings account

I woke up to a digital letter stating my account is restricted and may be closed and when I called they told me my account would be closed within 10 business days, leaving my {$370.00} stranded, with no time frame on when I will receive my money.
Product: Bank account or service

Dear Sir or Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by AMEX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. AMEX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. 
I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. 
Please do whatever is in your power to ensure that AMEX complies with my requests and to avoid other Consumers fromexperiencing the same kind of abuse of their privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX To : TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Accounts from My Credit Report Dear TransUnion, I am writing to formally dispute the accuracy of certain items on my credit report. Based on recent documentation I have obtained from XXXX, it has been confirmed that XXXX accounts associated with my credit history have been deleted due to being unverifiable. I request that you promptly review and remove these accounts from my credit report to ensure that they reflect only accurate, verifiable, and fair information. 

The details of the deleted accounts are as follows : Creditor Name : XXXX Card Services Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX - XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : Ending in ... XXXX Reason for Deletion : Unverifiable debt Date of Investigation Completion : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ), you are obligated to investigate disputed information and remove unverifiable or inaccurate data from my credit report within 30 days of receiving this dispute. As XXXX has already determined these accounts to be unverifiable, I request that you immediately remove these entries from my credit report. 

Furthermore, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure the accuracy of the information in consumer reports. The continued reporting of unverifiable accounts violates these legal obligations.

If these items are not removed promptly, I reserve the right to pursue legal action as outlined in 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, and legal fees for willful or negligent noncompliance.

Please acknowledge receipt of this letter and provide a written response within 30 days, detailing your actions regarding the accounts in question. I trust that you will act in accordance with your legal obligations to ensure my credit report is accurate and fair. 
Enclosed is the documentation from XXXX confirming the deletion of these accounts for your reference. 

Thank you for your immediate attention to this matter. If you require additional information to facilitate this process, please contact me at ( XXXX ) XXXX or XXXX. 

Sincerely, XXXX XXXX Enclosures : Screenshot from XXXX confirming deletion of accounts Copy of my credit report with disputed items highlighted Copy of my government-issued ID for verification
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Checking or savings account

I opened a bank of america account back in XXXX not so sure on the date, and in XXXX or XXXX i was a victim of bank fraud. My account was used to deposit a fraudulent check and was withdrawn from my account, i have not been able to make any bank accounts since and not able to cash checks anywhere. Bank of America reached out via mail and said that my account was closed due to fraudulent activity. I want my name cleared up because i did not have anything to do with this and it is destroying my life before it can even begin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of trying to buy a second home however, when the realtor I am working with pulled my credit report, there were three accounts that do not belong to me. The account names are XXXX XXXX , County of XXXX XXXX & XXXX XXXX XXXXXXXX. These accounts are not mine ; I did not open them nor did I benefit anything as a result of these accounts being opened in my name such as money, goods, services or any other benefit. I have reason to believe that these accounts belong to my father since we have the same name. I am a XXXX and I have had problems like this in the past. I have already notified the companies as well as filed a police report in hopes of having these unauthorized accounts removed from my report because it is very frustrating that I am being held responsible for accounts that aren't even mine.
Product: Checking or savings account

XX/XX/2020 I called Wells Fargo to fix my account and was told it was closed after I went in XX/XX/2020 to report that some got into my account while I was in the hospital undergoing treatment for XXXX. I had no idea that my account was tampered with and thought I had a new account opened to replace old account that was cleared out of over 1500.00 while I was in hospital. Then the bank has closed my account, but I filed with police and person on phone was very rude and I was just trying to get my account info of new account I opened to replace old account of protect myself. However this man degraded and would not let me place a claim against account for money taken out. Instead he pretty much said good luck and I was trying work with bank but this man did not get the memo I guess of how to treat customers. I have a open account but he told me I don't. I just wanted to make sure my paycheck would get misplaced again with them as this is second time I was treated this way by them.I am very unhappy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : Name : XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : XXXX XXXX AV XXXX, NY XXXX Employers : XXXX XXXX
Product: Debt collection

Good afternoon, My name is XXXX XXXX. I received a call today, XX/XX/2018, around XXXX XXXX, from a third party debt collection agency by the name of XXXX XXXX XXXX XXXX XXXX. This company is located in XXXX, FL ; and their telephone number is XXXX. The debt collector did not verify any information, before going into my DOS and the amount owed. He also did not give me the Mini-Miranda, as stated per the FDCPA. I would like to request that this be investigated, as he was in clear violation of HIPAA. 

When I proceeded to let him know that he was in violation of the law, he then hung up on me. My attempts to speak with a supervisor have been unsuccessful. 

Thank you.
Product: Checking or savings account

I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. 

After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. 

I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. 

While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. 

Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. 

Please provide a copy of the canceled checks, and a copy of the actual checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five accounts on my credit report that were deleted and recently re-added after being deemed in accurate and uncertain These accounts also were open without my acknowledgment and they made the FCRA requirements deleted by consumer Ive reached out to these credit bureaus XXXX  Trans Union and XXXX  and were unsuccessful Ive also sent a 609 dispute letter in detail and writing via certified mail XX/XX/2021 XXXX ( XXXX  XXXX XXXX XXXX XXXX {$1800.00} XXXX ( XXXX XXXX ) {$660.00} XXXX ( XXXX XXXX XXXX ) {$570.00} XXXX ( XXXX  XXXX ) {$600.00} ( XXXX XXXX XXXX XXXX {$740.00}
Product: Student loan

I was in school right up until I joined the military in 2013. For the past three years I have tried to get my loan payments form Navient and Nelnet lowered and each year each company told me I did n't qualify and I had to pay back or do a military deferment. My bills would be over {$1200.00} a month and they knew I was military. In the past couple of weeks, I discovered I do in fact qualify to have them lowered and written off after 10 years of good payments but not before they added more and more interest to each and I found it out on my own. Public service does include military, do not let them tell you that it does n't. Cost me big time! 

I attended XXXX XXXX and XXXX XXXX in MN.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

I'm and sick and tired of going through this XXXX with you people. Now this account was already deleted from XXXX and I need this account deleted from Experian and XXXX as well! 15 USC 1681n and more importantly 15 USC 1681o are well in play here. If this account does not get deleted immediately I will seek legal council immediately and file a complaint with the BBB. DELETE THIS INNCAURATE ACCOUNT!!!!!