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

I submitted a complaint ( XXXX ) on XX/XX/2019 to Equifax. I received a response 56 days later on XX/XX/2019. Equifax failed to respond within the 30-days outlined in the FCRA ie : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

I have no idea who Financial Data Systems LLC is or who they represent. This company entered collections on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Financial Data Systems LLC is indicating that an account with the account number XXXX was opened on XX/XX/2013 and XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

Financial Data Systems LLC did not provide any of the information requested and did not respond when contacted via certified mail RR XXXX XXXX XXXX XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Financial Data Systems LLC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Financial Data Systems LLC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Financial Data Systems LLC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity/ personal information was stolen and used to fraudulently open several accounts. I have spent the an enormous amount of time contacting the 3 credit bureaus to dispute the in accurate information to no avail. Im asking you to help me get my life back. 

XXXX-EQUIFAX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  {$500.00} XXXX XXXX XXXXXXXX. {$100.00} XXXX XXXX. {$5100.00} DEPT OF EDXXXX XXXX {$7900.00} DEPT OF EDXXXX {$5500.00} XXXX XXXX XXXXXXXX {$200.00} XXXX XXXX  {$9900.00} XXXX XXXX  {$5400.00} XXXX XXXX  {$0.00} XXXX XXXX {$0.00} XXXX XXXX$0.00} XXXX XXXXXXXX XXXX {$0.00} BANKRUPTCY XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX {$350.00} XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$930.00} XXXX XXXX XXXX {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Mortgage

Hello, First, thank you for your help in this matter. 

I continuously have problems with my lender ( Amerihome Mortgage ). My mortgage was sold to them, without any input from me, by XXXX XXXX XXXX in XX/XX/2019. I've filed two other complaints with the XXXX. 
Who regulates this company? 
How am I powerless to choose my mortgage company? 
I've also written complaints via online review sites such as XXXX. ( Along with hundreds of other unhappy customers. ) Some issues of late are : - a website that doesn't work ( I get error messages when clicking on any menu ) - reps who regularly hang up on me - payment systems that also do not work ( which seems to be a link to another site? ) - long hold times - an insecure website that does not have a proper SSL certificate - no mobile app - slow, clunk interfaces on all digital formats - reps always say " we are having a problem with our system right now '' EVERY TIME I CALL!! 

This is completely unacceptable. I do not want to have a mortgage with this company. What can I do to end my relationship with them? How is this legal. 
I plan to contact my State representative regarding this matter, as I suspect CFPB is also toothless to get this company to improve.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections and XXXX XXXX XXXX XXXX are double reporting a debt. I recently took a look at my credit and noticed that Bonneville and XXXX  XXXX are double reporting a repo. This is a violation under the FCRA and the FDCPA. I ask that this be resolved immediatley as they are severely affecting my scores unfairly. I am aware that both Bonneville and the XXXX XXXX report to the bureaus as they deem necessary so I need this to be fixed immediatley.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Four years ago, I opted for the " Income Driven Repayment '' plan offered by Navient, due to my own unemployment. Navient was very misleading about what this meant. Among other things, my loan was transferred from the government sponsored student loan sector of Navient to the private loan sector. Part of the statement calls is a federal loan, but my payments must be sent to the private sector loan section of Navient.

My statements have also been conflicting and misleading. When I would call, they would tell me that I was paid up ahead of time. But my online statement would say that I was behind with fees. In addition to the government/private loan conflict, the loan statement has me paying two different loan amounts two different times per month, though it's supposed to be a consolidated loan. It makes it impossible to make accurate payments, without additional fees and penalties, when my email statement, online statement and what they say when I call in all conflict.

Fast forward 4 years .... now that our income is more stable ( though we are still playing catch-up with several forms of debt ), my loan payments are now {$70.00} more per month than they were 4 years ago, and my principal has gone up several thousand dollars from what it was when I first applied for income driven repayment. My initial student loan payment when I got out of college was at a little over a 3 % interest rate, just over {$200.00} per month for 20 years. 21 years later I am scheduled to now pay for another 20 years, at a rate of {$75.00} more per month. They made it look like the income driven repayment was meant to help us pay off our loan, but what they actually did was insure that I would be paying them for the rest of my life. This is predatory lending at its worst.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My account is locked and am unable to make any transactions. The same problem had occurred before and was reported under the complaint # XXXX. The account was unlocked and I was able to make transactions until last week where again the same problem has occurred. The company is saying that the phone number is not matching the name on the account whereas my current number with XXXX has the required details. The company is now saying that they have closed the account as that's the business decision they have made. They're saying that the amount would reach to my address with no XXXX. Now, I'm concerned, if the address that they have is incorrect, whom will the money reach and how do I access my funds ( $ XXXX )? There is a big confusion on verification part as all the necessary details are/were updated in my account.
Product: Debt collection

PCR  calls several times a day. We called them back and they checked all associated phone numbers with us and they don't have any of our phone numbers on file. So we don't have a debt there that needs to be collected. The rep stated she would forward this information to management so the calls would stop. They continue to robo call daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of  my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery was issued a cease to desist letter which was sent certified usps mail with return receipt and delivered with documentation on XX/XX/XXXX. In my letter, I asked for ALL communication to stop which means direct and indirect including via all mediums. Reporting to credit bureaus is in fact, an indirect communication. Portfolio Recovery was informed and requested in my cease to desist to remove this alleged debt from all reporting agencies that they have reported to. Portfolio Recovery has not complied nor responded to my letter via mail with the required documentation to terminate their attempts or any other collection agency with regards to this matter. On XX/XX/XXXX, Portfolio Recovery indirectly communicated to me by updating this alleged debt via XXXX  instead with an alleged debt balance owed. This is a violation of my request and I demand monetary compensation of {$1000.00}. Please see all documentation evidence including certified letter with signature, return receipt and the recent indirect communication to XXXX  on XX/XX/XXXX after receiving my cease to desist letter on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following hard inquiries and as such they are fraudulent XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Checking or savings account

I have issues every day with Bank of America the debit cards on the company account are placed on fraud holds daily more than two to three times a day ; the bank constantly asks me to come in and verify my identity has now begun to place holds on all deposit for 7-10 days this has become an overwhelming issue which has now began to affect me emotionally, mentally and physically. I go to the banking center and they have no explanation and or resolution the banking staff themselves do not know why this is happening. On Thursday, XX/XX/2023 all my cards were blocked I went in to the bank waited about an hour to be helped and then another hour while staff contacted Bank of America XXXX number to be told to identify me and while in XXXX bank all cards were blocked the lady told the banker all was cleared and while I am still at bank again all cards blocked I need help and a resolution. Bank of America is a disgrace it impedes small business owners and provides no financial assistance an or communication they hold your money XXXX. Additionally, you now have to chat with XXXX to see if the bank deems your call important to speak to a specialist beyond ridiculous.
Product: Debt collection

I have NO outstanding DEBT owed to anyone. This Business ; Portfolio Recovery XXXX XXXX, is a persistent bill collector " BOTHERS '' people without verifying who people are and without checking the " No Call List '' They have NO REASON to be calling me, my Credit is Excellent. Thank goodness only one " ring '' gets through, my phone carrier blocks automated phone calls ( robocalls ) I have talked to one of the Customer Service people last Wednesday, ( They do not CLEARLY identify themselves ) the person said she'd " have my number removed immediately ''. I've been disturbed twice since then, I was awoke this Morning ( XX/XX/2018 ) @ XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete information not later than 4 business days. Ive already included these in my previous Complaint and am including them again., XXXXXXXX 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 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 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: Debt collection

I am writing to formally dispute the inaccuracy of a debt reported on my credit report by Debt Recovery Solutions. The entry in question is dated XX/XX/year>, and states that I owe an amount of {$2000.00}. 
I do not recognize this debt and have no recollection of borrowing any money or authorizing any transactions related to this account from Debt Recovery Solution who states that they are the original creditor. Furthermore, I believe that there is a lack of information provided regarding this debt, which raises concerns about its validity. 
In accordance with the 151681-1681x Fair Credit Reporting Act. I request that you investigate this matter and remove the disputed entry from my credit report. It is imperative to ensure that my credit record accurately reflects my financial history, and I ask that this inaccurate information not be reported again in the future. 
Please provide me with a written confirmation of the results of your investigation and any supporting documentation you may have regarding this debt. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and these items were not authorized by me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit file. 
Fraudulent Accounts 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/XXXX
Product: Debt collection

Hollis Cobb Associates is a debt collection company which has sent to notices about two assumed debts owed to XXXX XXXX XXXX XXXX. Hollis Cobb Associates have failed to sent me proper notice of verifications that's clear and conspicuous the debts are owed. I have attached a letter of concerns and a copy of letter Hollis Cobb Associates sent with the information the Company will need to follow up. 

XXXX XXXX
Product: Checking or savings account

Between XX/XX/2022 and XX/XX/2022 Wells Fargo Bank sent funds unauthorized on multiple occasions totaling {$6800.00} in {$170.00} increments from my business checking account to an outside company. On XX/XX/2022 I was logged into my online checking account and was startled to observe some of these funds being sent in real time to the outside company. I called the bank and placed a stop order and asked them to reverse the charges. That is when we ( the bank rep and I ) discovered that the bank had been sending funds in the middle of the night to that company on multiple other occasions. 

The bank reversed the in-process {$170.00} each transactions totaling {$2200.00} but claimed there was nothing they could do about the other transactions they had sent totaling {$4500.00} since XX/XX/2022. These were all unauthorized transfers to a vendor whom I had authorized a first of the month {$170.00} single charge ACH. Wells Fargo initiated these transactions and sent the funds. The recipient outside company is not responding. Wells Fargo claims it is my responsibility to attempt to reclaim the funds they sent without authorization. These are not " customer chargebacks. '' I never authorized these transactions. I have submitted multiple claim requests and all have been denied.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX ACCOUNT # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX # XXXX, 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not aiding me in removing fraudulent items on my credit report. I have sent Experian all necessary documentation for them to block and remove the information from my credit report and Experian has been negligent. The fraudulent items on my credit report are XXXX XXXX and XXXX XXXX XXXX. My request to block is NOT made in error. My request to block information is NOT based on a material misrepresentation. 
My request to block is NOT of a knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.