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

This Journey began over a year ago with Experian, I simply ask Experian validate and Verify the Bankruptcy this Bankruptcy, I send Proof of My identity Starting on XX/XX/year> asking to remove the Misspelling of My Name, Remove the Social Security Number addresses and the Bankruptcy which this information either does not belong to me or should not be attached to me. I don't understand this Company can continue pick and choose what they are going to remove and what they are going report whether the information is correct or erroneous, the harm this is causing is totally, I've sent all requested proof of Identity, I disputed correctly and honestly, Per the FCRA, I've been patient this information still reporting is allowing others to try and use my personal credit I just received another breach letter this one came from XXXX XXXX XXXX. I'm humbly asking for this information to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX
Product: Debt collection

When I initially noticed a collection on my credit report, I reached out to the creditors Midstate collection so. at XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX IL to validate this debt, I sent a debt validation request by certified mail XX/XX/XXXX and did not receive anything in return. I asked that this creditor notified the credit bureus of their error given there failure to validate this debt but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several calls to XXXX. this is not my account. they confirmed this is not my account, but it is showing up on my credit report. The bank is not wiling to confirm an account they do not have, and the credit bureau is not able to update without a confirmation of the account. it is a silly game back and forth on an account that I never opened. Please help me get someone to fix this injustice. 

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

I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, XXXX and equifax are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.
Product: Debt collection

Halstead Financial continues to call my phone, back to back. Sometimes they hang up before I get an answer and sometimes they just continuously call. There are always different numbers but they always begin with XXXX. They call on weekends, holidays, late night, early morning. I have proof of MULTIPLE calls daily.
Product: Debt collection

A company called Receivable Management services LLC is calling me and has sent me a statement for collection of debt which is not mine. I notified them via certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX ) and told them this is not my debt. This morning I have been receiving calls from this company. They have disregarding the the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq law which allows a consumer to challenge a debt by showing proof that this debt is actually mine. The debt is from XXXX XXXX XXXX account # XXXX which I have not purchased anything from. I do not have any XXXX credit cards nor have I bought anything from XXXX. Secondly, XXXX XXXX XXXX has actually been sold to another company called Transform because XXXX actually is in an active bankruptcy ( Case number : XXXX - XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX If this debt was actually valid, a company appointed by the XXXX XXXX ( receivership ) would be the party collecting any debts owed to XXXX on behalf of the XXXX XXXX. Clearly RMS is not involved with this matter and is trying to collect monies that are not owed. RMS is trying to collect {$1800.00} for something I have not bought or been extended credit for. I have not been provided anything to support RMS is entitled to anything but violating the Fair Debt Collection Practices Act. RMS has clearly not followed the Federal law in which I am entitled to as well as the practiced mentioned in the attachment from the Indiana Attorney General 's office.
Product: Debt collection

I have been fighting with B of A for years about this debt that was fraudulently made. I filed several complaints with CFPB and BofA was unable to find my account. Please see attached, yet this debt is still on all my reports and damaging my credit. BofA attempted to sue me and did not notify me of the lawsuit and the case was dismissed. I've contacted the creditor several times and they can not find my account information. THis needs to be removed immediately.
Product: Student loan

School XXXX Lender NAVIENT PRIVATE LOAN TRUST Disbursement Date XXXX/XXXX/2005 Original Principal {$8600.00} COSIGNER XXXX XXXX XXXX I asked for a student loan for career training on the promise that I would have a " good paying job before I finished the 6 month course '', but the reality was different, had to look for a another job not related to training.
Product: Payday loan, title loan, or personal loan

I got a zip ( Quadpay ) account about a year and a half ago. Recently someone fraudulently got my information was able to get into my Zip account and fraudulently placed 3 orders and fraudulently used my card information stored in my account and paid off 3 existing payments on orders that I had that the payments weren't due yet. They also changed the phone number in my account and i was and still is unable to get into my own account. I called Zip numerous times and emailed them telling them what happened and to please close my account because for ( 1 ) a scammer has access to it and has made fraudulent orders without my permission and ( 2 ) because i no longer has access to it and even though i don't want to use it at this time, I can't. They never closed my account, never helped me gain access to my own account, and they never cancelled the unauthorized orders or purchases. They only told me about 2 weeks ago that a fraud specialist will get in touch with me within 2 to 3 days. Meanwhile, they are still trying to collect payments on the fraudulent orders that of course ( because a scammer placed them ) never got paid. The fraud specialist has only contacted me ONCE in a 2 week period and asked a very vague question that i was unclear of, and I have yet heard back from them or got clarification on that question. It is now about 3 weeks into when this incident first happened and still no resolution. I have filed a police report, done everything i was supposed to do to rectify this situation and Zip still hasn't done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion CEO : XXXX XXXX RE : Transunion Data Breach This letter is a follow up to my original letter regarding inaccuracies in your credit reporting, regarding the unauthorized credit hard inquiries entries being reported under XXXX XXXX XXXX  XXXX Hard inquiry from XX/XX/XXXX. 

By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the unauthorized credit hard inquiries is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed unauthorized credit hard inquiries are entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non- compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the unauthorized credit hard inquiries. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried 3 time to resolve this with Experian but was not resolved.

The issue is : Hard Inquiries on my report due to NO PERMISSIBLE PURPOSE AND DATA BREACH OR DATA LEAK CDIA compliance and regulatory guidelines for Metro 2 and Metro 4 users such as your Credit Reporting Agency states that credit reporting by Credit Reporting Agencies should be done based on accuracy, consumer access, correction, cyber security and privacy. 

This request is to confirm current reporting of the hard inquiries were not obtained using permissible purpose guidelines, in addition to being accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations.

None of the inquiries listed below were provided using Permissible Purpose for accessing my credit reports as The FCRA lists a number of permissible purposes for accessing consumer reports, as noted in Section 604 ( a ) ( 3 ) A-G.

Accessing an individuals consumer report can only be done in accordance with the laws requirements. To access and use a consumer report for other purposes is illegal and subject to criminal penalties.

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose XXXX XXXX XXXX  Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXX  Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXXXX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible PurposXXXX XXXX XXXX XXXX XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXXXX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose In addition, your company, is a CRA ( Credit Reporting Agency ) that is mandated by : The Gramm Leach Bliley Act The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. As a Financial Institution under GLBA, credit bureaus are subject to significant regulation relating to data security through Section 501 ( b ), which requires the Federal Trade Commission ( FTC ) to promulgate rules to require financial institutions to have measures in place to keep customer information secure. 

Since this is my 3rd request, please act quickly in removing the inquiries and once complete, mail me an updated copy of my credit report via USPS Mail showing the results.

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose
Product: Credit card

i am having problems whit my walmart credit card i always paid on time by the time they send me the statement of my bill i already have paid them.i am retired i get pay the begging of the mount and i pay them because they sent my statement always late.now the sent me the statement 3 weeks later XXXX inform me that i have a pastdue over my account which is not truth now they dont email me they call at my house all day long .they are harrasment until XXXX
Product: Student loan

Ever since Navient has become the servicer of my student loan I have received continuous poor service. I have received conflicting information from agents, incorrect information, and a complete lack of competence and accountability. Most recently, after making a lump sum payment to the principle balance of my loan, I called customer service to have what they call a redisclosure to determine a lower monthly payment. I called on XX/XX/2017 and was told by the agent assisting me that the request for redisclosure had been made and I could call back in 14 days to find out the status. After waiting the required 14 days, I called back on XX/XX/2017, and was told that the system does not show where any request had been made. The request could be put in on this date but a determination would not be made until XX/XX/2017, causing me to have to wait another billing cycle to get my payment reduced. If the request was submitted timely the new payment would have take effect XX/XX/2017 but due to their incompetence the earliest it would take effect is XX/XX/2017. Unfortunately, this is not the first time that this same exact " mistake '' has happened to me personally, causing me to pay more than is required. This seems to be the norm with this institution and it is frustrating to say the least. This negligence is borderline criminal amd should not be allowed to continue when dealing with peoples finances.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

Subject : Urgent Request for Release of Insurance Funds for Home Repairs, {$55000.00} Dear CFPB, I am writing to express my deep concern regarding the ongoing delay in the release of funds that are critical for the completion of repairs on my home. Shellpoint Mortgage is currently withholding the final payment necessary to complete the flooring in our XXXX sq. ft. home, as well as finish the kitchen cabinets, countertops, electrical outlets, and other essential work. 

As a result, my children and I are living in extremely challenging conditions. We lack proper flooring and have no running water in our kitchen, while exposed electrical wiring and dust fill our home. Simple tasks like putting on clothes become difficult, as everything quickly gets covered in white dust. Our situation has severely impacted our quality of life, forcing us to sleep on inflatable beds and manage without furniture or desks for my children to complete their schoolwork. 

I believe Shellpoint Mortgage is overstepping its role in withholding these funds. This money was provided by my insurance company following an exhaustive claims process, which included multiple estimates, two claim adjusters ( one from my insurance company and a public adjuster ). Shellpoint Mortgage is not a contractor or an insurance adjuster and, therefore, should not be controlling these funds, which were released by my insurance company specifically for the restoration of our home. 

Since this process began on XX/XX/year>, my family has endured a considerable hardship due to the substandard level of service from XXXX XXXX and what I perceive as an abuse of authority by Shellpoint Mortgage. These actions have left my family in what feels like poverty conditions, stripping us of a functional home and basic living conditions. 

I urge you to release the remaining funds in the amount of {$55000.00} immediately, as these funds are intended solely for the restoration of our home. I hope you will respond in a positive manner and help us bring an end to this difficult situation. 

Attachment 1 : American Disaster Cleaning Group Attachment 2 : Farmers Revised Estimate which now agreed to a final number of {$110000.00} Attachment XXXX : XXXX XXXX XXXX is my XXXX. 


Thank you for your urgent attention to this matter. 

Sincerely, XXXX XXXX [ XXXX XXXX ]
Product: Debt collection

This is not my debt. I have no knowledge of this debt. I am already paying off medical bills to debt collectors directly. This is something new and I believe it to be fraudulent.I am getting texts from a number saying I owe {$2000.00} or more. I have never received any letter from any company about this. I would at the minimum demand a letter in the mail describing the debt and the validity of it to me, as well as the alleged dates and services from the original company and that companies name. I have no idea who this MBA company is or why they are all of the sudden contacting me.
Product: Money transfer, virtual currency, or money service

Hi I sent a international wire transfer of XXXX on XX/XX/2021 for goods for my small buisness and noticed it was taking a few days to deliver .... so I checked my secured messages in my chase app on XX/XX/XXXX th and saw the wire department sent me a message stating my wire transfer was rejected by the recipients bank due to not excepting this form of payment?! And that the money is on its way back to me and will first be converted back to usd then placed in my account typically in 3-5 buisness days. 

Well it has been well over 3-5 buisness days and no money?! I tried reaching out to chase numerous times to get more information on the status or how they can help but no ones knows anything or has any information on how to help track down my funds! To make matters worse the actual wire department no longer excepts calls only email but does not seem to be responding to my emails! Please help me get my money back!
Product: Debt collection

The company stated they cant find proof of allege debt, nor therefore any such debt infact exist. 
I am filing a complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I requested immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all negative items that are Invalid on my credit report. this issue has been addressed an caused alot of denials on my file. none of the data is valid for all 3 credit files. please review an remove all listed items that has caused denials to correct my files asap.
Product: Debt collection

In XXXX of 2016 my car was repossessed by credit acceptance corp. they refused at the time and afterwards to make any sort of arrangements to bring the account up current before and after the repossession. The company would not negotiate with me at all and put the account in repossession on my credit report where it remains to this day. I have contacted them multiple times to try and remedy the debt and work out an arrangement and all they do is refer me to an lawyers office and when i call the lawyers office i leave voicemails with my contact information for them to get in contact with me in order to work out any type of arrangement to get the debt taken care of and cleared from my credit report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has never returned my phone calls or made any attempts to contact me. Its shown on my credit report that the amount still owed is {$3700.00} and it being on my credit report has caused me great stress it trying to finance any vehicles as well as housing for myself and my family.