23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I contacted Security Finance at XXXX and spoke with their representative XXXX in customer support ( no last name was provided ) regarding a fraudulent loan that was taken out in my name. The fraudulent loan was taken out on XX/XX/XXXX in the amount of {$2200.00}. When XXXX went to look up my information, none of my correct information was in their system since I did not take out this loan. I had to provide correct phone number and mailing address. XXXX informed me that they would mail me a " fraud packet '' so that they can investigate the loan. 
On XX/XX/XXXX, I received the " fraud packet '' from Security Finance. On XX/XX/XXXX, the packet was mailed. Enclosed I provided Security Finance with the following required documents : XXXX. Notarized ID Theft Affidavit, XXXX. Copy of Driver 's License and SS Card, XXXX. Proof of Residency ( during time of loan ), XXXX. Police Report, and XXXX. My signature signed XXXX separate times. I also included a cover letter personal statement. I mailed the fraud packet to Security Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as instructed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX Balance : $ XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ( XXXX ) ( XXXX XXXX XXXX ) Has violated my rights. 

15U.S.C 1681 Section 602A .States I have the right to privacy.

15U.S.C 1681 Section 604A Section 2 It also States a Customer Reporting Agency can not furnish a account without my Written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove. 
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.
Product: Checking or savings account

I opened a savings account with Union Bank of California on XX/XX/2018. The branch address where I opened the account is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

After opening the account I waited for my ATM card to arrive in the mail. While I was waiting for my card someone somehow stole my card information and began withdrawing the money from my account. I have the envelope that the card arrived in. It was postmarked in XXXX XXXX on XX/XX/XXXX and would not arrive to XXXX XXXX until some time after that date. The first stolen withdrawal was for {$100.00} on XX/XX/2018 at my branch. The second stolen withdrawal was for {$40.00} on XX/XX/2018 at a branch across town. The last stolen withdrawal was for {$200.00} on XX/XX/2018 at my branch again. Upon seeing the fraudulent withdrawals I immediately went to my bank with my ATM card that was still attached to the paper that it arrived on and opened a claim and had the branch assistant manager destroy my ATM card. The card never left my apartment. No one knows my pin. It was still attached to the paper that it came on! 

My claim to get my money back was denied. The bank told me that they would be in contact with me up to 30 days after the claim was filed. No one bothered to contact me to tell me that my claim was denied. I'm filing a dispute with their ruling because the card was not even in my possession when the first transaction happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company via XXXX because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency CBI will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by CBI According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiveing a response from a company whom is CLOSED for business confirmed via the XXXX. See below. 

XXXX RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX  serving the XXXX XXXX ( XXXX  ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. 
A copy of your correspondence was forwarded to the company ; however, XXXX  was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX  regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. 
The company 's XXXX  Business Review has been recently updated and is available online at XXXX, or by calling. 
XXXX appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX  files for three years as part of this company 's record. 
Regards, Your XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked on my credit reports from TransUnion website, My Fico.com and XXXX XXXX  on XX/XX/year>. I noticed several inquiries that did not have " Permissible Purpose ''. According to the Fair Credit Act, anything that's reporting on my credit report must have Permissible Purpose according to USC 1681 B. I sent a notarized and letter to TransUnion dated XXXX informing them to delete the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. XXXX  XXXX {$500.00} XXXX  XXXX   XXXX {$660.00} XXXX  XXXX  XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries which are reporting on my credit reports are not mine. I have informed the credit bureaus on 3 occasions and they failed or refused to investigate. Here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am reaching out for assistance with a payment made to Navient. 

A payment was initiated by XXXX XXXX on XX/XX/18 to Navient electronically. The payment was in the amount of {$4200.00} which was to payoff my final Navient loan. On XX/XX/XXXX, I realized that my payment had not posted and it was then discovered that the account number was one digit incorrect. 

At this time, I contacted Navient. I spoke with a CSR who informed me that I needed to send proof of payment through my online account and they would reroute the payment to the correct account. I was given a 7-14 business day resolution time-frame with it being complete on XX/XX/18. 

On XX/XX/18, my payment still had not posted so I called again. The CSR at first stated that they still had my payment and that I would need to wait 10-14 business days for it to post. I had already waited that time so I pressed about it being a high priority. She placed me on hold and then said that the payment had actually been sent back to the bank on XX/XX/18. She can not give me the bank name, routing, account, reference number, trace number, etc. As of today, XXXX hasnt received the refund. The Navient CSR gave a 7-14 business day window to get the payment back. An electronic payment does not take 7-14 business days. I need assistance tracking this money down so I can payoff my loan. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report XX/XX/year> and noticed some things are incomplete and inaccurate. 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 information concerning the individual about whom the report relates according to

15 USC 1681 ( e ) ( b ). According to 15 USC 1681i 5 the are supposed to do this ( 5 ) treatment of accuracy of inaccurate or unverifiable information. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generall, 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 ( i ) 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 suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my report was closed by the creditor in XXXX. It was charged off that same year. In XXXX it appeared at late payment in XXXX. I asked Experian to investigate and correct it. They updated it to charged off as XX/XX/XXXX causing my score to drop yet again for an account that should be set to age off my report in a year. Now it appears as it is a new account.
Product: Checking or savings account

On XX/XX/2021 my chime account was closed. I was told it went against the international policy. On XX/XX/2021 I was told from the escalation team that they would process my check in 14 business days after any pending transactions cleared I just had to verify my address. Then on the night of XX/XX/2021 they emailed me a tracking number. On XX/XX/2021 I checked the tracking and seen that the check was getting delivered to another state and address that I did not verify. I contacted Chime support and XXXX. XXXX told me that they specifically got the address they sent the check to from Chime and the settings was set to where the address could not be changed. A chime representative accused me of changing the address. Then they blamed it on XXXX saying it must have been a problem on their end. Chime offered to cancel the check and send out a new one that would again take 7-10 business days to be shipped out. On XX/XX/2021 I got another email from chime saying that my account was closing when it should have already been closed. So I contacted them about the check and they are saying that they have no information about the check however they can offer a new check but to a different address since all attempts to my address has failed. However they are requiring that I show a picture of hmmm my ID and a picture of my full social security card. Considering of all the sketchy stuff from this company I am not comfortable with sending them a picture of my full social security card.
Product: Debt collection

I am federally protected consumer and CREDIT SYSTEMS OF FOX VALLEY has damaged my reputation and cause financial injury. pursuant to 15 usc 1692a, CREDIT SYSTEMS OF FOX VALLEY violated my right to individual privacy by gaining access to my personal information, furnishing information of an alleged debt to my consumer report which damaged my reputation and causing financial injury. I have been denied credit because of this allege debt on my consumer report. 



CREDIT SYSTEMS OF FOX VALLEY violated 15 USC 1692c ( a ) because they did not received written permission from me a federa lly protected consumer to have my personal information or to communicate with me. 

CREDIT SYSTEMS OF FOX VALLEY has used abusive language in their communication to me about this alleged debt and have committed a number of other violations according to 15 USC 1692. 

CREDIT SYSTEMS OF FOX VALLEY has deleted accounts from my consumer report however deletion is admission to the numerous 15 1692 USC violations they committed.
Product: Vehicle loan or lease

I was sold a XXXX they was used but it broke down in 4 days I advised the dealer he said he would fix the problem but he didn't they told me it was something else that need fixing XXXX XXXX XXXX XXXX etc But the true problem was the XXXX XXXX  .which the dealer never fixed I took the vehicle back to the dealership 3 or .more times they assured me it was fixed but they lined .they added a XXXX XXXX on. The vehicle so I would e accepted by credit acceptance corporation. I purchased it in XXXX of XXXX and the vehicle has not been working properly yet during this time I was being bully and lied to by the dealer who said it was credit acceptance corporation fault .they are trying to force me to pay for a vehicle that never worked properly and still not running. Please help me
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I sent a dispute letter to XXXX XXXX  XXXX, via Certified Mail. The letter I have added a screenshot of the United States Postal Service mailing information for said letter within this mailing as proof. I have also included a copy of the original letter received. My initial letter stated the following Upon reviewing my XXXX, Equifax, and XXXX credit reports, I see that your company has reported a delinquent account in my name, with an unpaid balance of {$1000.00}. This account is currently showing as a collections account on all 3 of my credit reports, and has had a negative impact on my ability to receive credit approvals. 

I do not take any responsibility for this debt. I have no recollection nor any written proof of ever applying for or opening accounts whereby these funds would be charged to me. I do not believe this account belongs to me, and I demand it be removed from all 3 of my credit reports immediately. 

I am reaching out via this letter, demanding to see Verifiable Proof in the form of an original consumer contract with my signature on it, along with any and all supporting documentation pertaining to this account belonging to me. 

I am aware that according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), it is a federal law requirement that physical verification of the original signed consumer contract be performed to ensure accuracy of any and all debts. I am also aware that by law, your company has 30 days to complete this investigation and to mail the requested documentation back to me. 

Enclosed are copies of my credit reports, showing this account for your review. Please investigate and mail the requested documentation to me as soon as possible. 

Your immediate attention to this matter is appreciated. 

At the time I am writing this letter, it is now XXXX XXXX XXXX ; 31 days after my initial letter was received by XXXX XXXX XXXX. I have also enclosed a copy of my credit report dated XXXX XXXX XXXX which shows that the disputed account below has not been removed from my credit report.
Product: Vehicle loan or lease

This is second CFPB complaint against this creditor. Purchased vehicle new XX/XX/XXXX. Consumer was a payment behind on mortgage and turned down by my bank. Dealer suggested approval with this lender to save the sale. Advised consumer to keep payment history good for 12 months and then refinance out of this high-rate loan. 

Consumer contacted lender to change due date from XXXX to XX/XX/XXXX. In order to refinance payments were made on time and extra payments made towards principal from XX/XX/XXXX to XX/XX/XXXX. 

Consumer made payments on bi-monthly schedule that corresponded with payroll. Lenders accounting system is unable to handle the partial payments and misapplied them. Bill is always in arrears and no idea where extra payments are applied. 

Consumer requested an audit of account XX/XX/XXXX. Consumer credited for extra payment for XX/XX/XXXX. For XX/XX/XXXX, lender states account is past due after the audit. Lender states a payment for XX/XX/XXXX was not received. However, lender reported to XXXX, XXXX, and XXXX  that consumer 's account has been paid as agreed from XX/XX/XXXX through XX/XX/XXXX. Account was never late. Therefore, the alleged " missing '' payment for XX/XX/XXXX, was not reported to credit bureaus as late. 

Consumer expects that payments were not applied properly due to deficiency in lender 's accounting system that does not support partial payments. Consumer also suspects that this lender consumed extra payments in fees. 

Consumer has maintained a stellar payment history with this lender. Although extra payments were made for the majority of the servicing period, consumer is unable to impact the principal balance in order to refinance. This is a good consumer in a bad loan and the lender wants to keep it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX today to get accounts removed off my credit report, that I did not give them the right to consent to the account pursuant to 15 usc 1681b # 2. 

I spoke with them on XX/XX/2022, at XXXXXXXX XXXX. CST and they are refusing to delete these accounts. I asked to speak with a supervisor and told her that they are violating my consumer rights. 
I demand the accounts be removed as followed : XXXX XXXX : {$6500.00} XXXX XXXX XXXXXXXX : {$6300.00} Rent Recovery : {$2400.00} XXXX XXXX XXXX : {$580.00} and XXXX closed accounts, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes only credit report with transunion to delete all inaccurate information on my credit report. this has been an issue that is hindering my credit report an needs to be deleted. please review an remove all listed items to help clean my file asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : 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/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting an investigation into Trans Union for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, Trans Union has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. These unauthorized hard inquiries have raised serious concerns regarding XXXX XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not provided any entity with the authority to access or pull my credit, and Trans Unions failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate Trans Union practices, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to Trans Union, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to psychological harassment through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Product: Credit card or prepaid card

Hello, my card number is XXXX. I have XXXX + dollars worth of credit that I can not use currently. Your investigation is taking too long for my fraud claim and I still have not heard any result of it. Did you find out how it happened, what happened? Please call me at XXXX and if you can not find out what happened then please close the case as it is just causing pending case investigation on my account for prolonged period of time. Sincerely, XXXX XXXX