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

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have taken out a loan with Sallie Mae, Now Navient for a total of XXXX XXXX $ to attend XXXX XXXX XXXX XXXX in XXXX California. The loan was taken in XX/XX/2006 and has been paid since. I have had some late payments but I paid a total of XXXX XXXX $ in the past 12 years. My balance currently sits at XXXX XXXX XXXX I feel like this will never be paid off and Navient keeps charging unreasonable capital interest charges keeping the principle balance from going down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

received numerous phone calls on behalf of XXXX hospital in an attempt to collect a debt owed telling me they were going to take legal actions if i did not pay them
Product: Credit reporting or other personal consumer reports

3 differnt collections ... .all medical expenses... I've requested them removed and they said they don't have to remove them.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX TransunionXXXX XXXXXXXX XXXX XXXX ) XXXX Has all 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/XXXX I received an email from " # Alert Order PayPal '' XXXX Date : Tuesday XX/XX/XXXX XXXX stating I authorized a payment to XXXX XXXX XXXX Transaction ID XXXX, in the amount of {$790.00} USD. 

On XX/XX/XXXX I received an email from PayPal XXXX XXXX XXXX in the form of a bill submitted in the amount of {$580.00} USD via Invoice No. XXXX. 

Note : In XX/XX/XXXX I was able to close one Paypal Account and transfer all funds out of the other to another card to close it -- which they have apparently refused to do. 
I have no idea what account these charges were applied. 
In the meantime, since I refuse all communications with PayPal, they notified me via XXXX I have a $ XXXX refund check due from last year which they have not submitted.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/delete any items listed on an id theft report. Please find the required documents to assist in the deleting of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking over my credit report I see that I have hard inquiry from a XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX that I did not authorize. Please remove all of these hard inquiries.
Product: Debt collection

I am writing to bring to your attention the inaccurate information that your company has furnished to consumer reporting agencies. This inaccurate reporting has caused significant damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and housing purposes. 

UPSTART NETW Account Number : XXXX According to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishing inaccurate information is strictly prohibited. The law defines a duty ( a moral or legal obligation ) for furnishers to provide accurate information. The IRS further clarifies that a charge-off is considered gross or ordinary income, which is not to be reported on consumer reports. 

I hereby demand that XXXX ceases and desists from reporting incorrect and inaccurate information immediately. Your duty as a furnisher of information under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits the furnishing of information if it is known or reasonably believed to be inaccurate.

Furthermore, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) prohibits the continued reporting of inaccurate information after notice and confirmation of errors. I have notified you that specific information is inaccurate, and it has been confirmed that the information is, in fact, inaccurate.

Continued reporting of this inaccurate information constitutes a clear violation of the law and has caused severe harm to me and my family. This letter serves as a final opportunity for UPSTART NETWORK INC. to cure and delete this erroneous account from my consumer reports.
Product: Credit reporting or other personal consumer reports

I tried to dispute inaccuracies with XXXX as information was reporting on my consumer profile that shouldn't be. Upon dispute results came back verified and I submitted another dispute with the condition to provide proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C1681 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: Debt collection

In XX/XX/XXXX I had an outpatient procedure at XXXX XXXX XXXX. I got a bill from the out patient facility, XXXX XXXX XXXX and from XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, I called and spoke with XXXX XXXX XXXX because there was an error in the insurance billing and I had already paid a portion of the bill when I had the procedure done. I spoke with XXXX in customer service at XXXX and he said he was putting the bill on hold until they could sort out the insurance. 

Around XXXX and XXXX I called XXXX to check and they were still working on it. 

On XXXX I got a letter from CMRE XXXX. On Monday XXXX/XXXX/XXXX I called XXXX again and they said they had sent a bill and the insurance was corrected. I said I never got a bill. I called BCBS while XXXX was on the phone, verified the insurance and billing were correct and immediately paid the bill with XXXX. I got the payment confirmation number and immediately [ XXXX/XXXX/XXXX ] called CMRE explained the situation and gave the representative the payment confirmation number. They assured me it was n't on our credit and said they would close the file. I pulled my free credit reports and verified nothing had been reported. 

On XXXX/XXXX/XXXX I get another call from CMRE and they are attempting to collect this debt again. I again gave them the payment confirmation number and explained what had happened and that I had already called them with this information back on XXXX/XXXX/XXXX. The representative was very rude and dismissive and hung up on me. I called back and asked to speak with a supervisor and was told there was no one available and before I could say anything put into a voice mail box. I called back again and was asked for my information and push right through to the same agent who said, " I 'm not speaking with you. There is a process and I will verify if you made the payment when I can! '' and then hung up. I tried calling back several more times to speak to someone who could help and I kept getting pushed to voicemails or thrown into their phone system to push one to talk to so and so ... .etc.. 

I then called XXXX and let them know what was going on. They said since I made the payment online/over the phone there are 2 different payment systems and sometimes this happens where XXXX is n't notified. I asked again for a supervisor and spoke with XXXX XXXX who apologized and said that she would call CMRE and verify payment today.
Product: Vehicle loan or lease

I am having a financial hardship. I did not ask you to extent the loan, I asked could you postpone the payment for a couple of months. If not can you lower the interest rate and payment. I had perfect payment history until covid 19 happened, everybody is loosing their jobs and XXXX  has shut down again. All I am asking is you work with me.
Product: Credit card or prepaid card

Hello, When using my USAA card to pay my dentist, the charge was declined. 

I have since learned that USAA reduced my available credit limit, after calling the customer service representative to find out what was happening ... I was told that there was " no reason '' and that this action " did not make any sense '' as my more than 30 years as a loyal customer with USAA and perfect credit, stable employment, etc etc made the whole matter inexplicable. 

Additionally I was told that there was no remedy and no resolution. 

XXXX
Product: Credit card

XXXX - Credit Line {$4500.00} XX/XX/XXXX - Authorized payment of the XXXX Statement Balance Due of {$2500.00} before the Payment Due date of XX/XX/XXXX. 
XX/XX/XXXX - Posted to my PayPal Mastercard ( PPMC ) Account XX/XX/XXXX - {$2500.00} was withdrawn from by bank account by PPCC Repayment XX/XX/XXXX - PP sent me a digital letter acknowledging receipt of the payment which changed the amount due for the AutoPay that was scheduled for XX/XX/XXXX. 

" Due to recent activity since your last billing statement, the amount of your upcoming Autopay payment has changed to {$0.00} and will be posted on XX/XX/year>. '' XX/XX/XXXX- Charge for {$170.00} was DECLINED at my dentist 's office. After I got home, looking at my account online, I discovered that it showed available credit of only {$94.00}. When I called PPMC, I was told that the {$2500.00} payment was being HELD per Synchrony Bank policy detailed in my agreement.

After being told multiple times that this was immutable bank policy that would be adhered to in the future, I told them to CLOSE MY ACCOUNT- which they agreed to do after telling me I would LOSE whatever REWARDS I had accumulated to that date ( approx {$15.00} ).
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

According to the Equifax data breach my data was effected. My information was bought and sold without my permission or consent. Because of this data breach I want the accounts listed on the attachment deleted immediately. Equifax, XXXX, and XXXX has not responded to any of my documents sent to their company via mail. Can you help me remove these items? Because of this data breach I was charged 10.74 % APR on my car loan. I was denied access to purchasing a home and denied credit extensios. Equifax XXXX and XXXX all need to delete the items that are attached. I sent letters to all three companies with no response or actions.
Product: Debt collection

Two dispute letters have been sent to dispute collection account as of XX/XX/2022 and a follow up as of XX/XX/2022 in the amount of {$240.00} I have repeatedly requested validation of this debt with my signature or an original contract stating that I am obligated to pay them. I have no knowledge of this account and the company has yet sent proof.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/year> SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Credit card or prepaid card

I have the Citi Simplicity card. Citi decreased my credit limit by a little more than {$1300.00} on XX/XX/XXXX. I called and explained that I have 3 cards with them, and that I have never missed a payment, nor have I ever been late on a payment to them for any of my cards. They said they could not help me. On XX/XX/XXXX, I was notified that they decreased my credit limit on my Citi Double Cash card by a little more than {$1500.00}. 

The reason my credit score has been decreased to XXXX by one reporting agency and XXXX by another reporting agency is because I had to use my cards for business equipment so my it shows that I have used approx 53 % of my credit. By reducing my credit limits, Citi has now made my credit worse because I now show that I am at 56 % use of my credit. 

I have done nothing wrong. I have made all of my payments. I am being penalized for no reason.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

It says I have a balance of {$710.00} thats owed to capital one. 
It says I owe XXXX to XXXX XXXX  It says I owe {$200.00} to a XXXX XXXX I never opened any of these my ex boyfriend opened these behind my back I just found out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant TO 15 USC 1692J COLONIAL AUTO IS IN VIOLATION OF MY RIGHTS DUE TO UNLAWFULLY DESIGING AND COMPELING FALSE INFORMATION TO FURNISH ON MY COSUMER REPORT. KNOWING SAID FURNISHING WOULD CREATE A FALSE BELIEF. 
YOU ARE IN VIOLATION OF 15 USC 1692e AS WELL DUE TO THE AMOUNT OF THE ALLEGED DEBT THAT IS FURNISHING ON MY CONSUMER REPORT. 
COLONIAL AUTO IS A THIRD-PARTY DEBT COLLECTIOR AND IS IN VIOLATION OF 15 USC 6802 DUE TO HAVING MY INFORMATION WHEN IN FACT CAR MART WAS THE COMAPANY I DID BUSINESS WITH. 
COLONIAL AUTO IS XXXX IN VIOLATION OF 15 USC 1692G DUE TO THE FACT THAT I DID NOT GIVE YOU WRITTEN CONSENT TO FURNISH ANYTHING ON MY CONSUMER REPORT. 
NOT ONLY ARE YOU IN VIOLATION BUT YOU ARE ALSO IN RETALIATION DUE TOTHE FACT THAT THERES AN OPEN CASE ON THIS AUTO LOAN AND YOU TURNED AROUND AND REPORTED THIS FALSE ALLEGED DEBT ON MY CONSUMER REPORT I ALSO HAVE PROOF OF THE CASE AGAISNT XXXX XXXX FOR REPOSSESSION AND ALSO BREACH OF CONTRACT AND COLONIAL AUTO TURN AROUND AND FURNISH FALSE INFORMATION TO MY REPORT
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite have sufficient funds when transactions were authorized, I was charged fees due to lagging post of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have requested XXXX and Equifax to reinvestigate this account : XXXX  XXXX XXXX  - However, Theyve stated everything was complete and accurate. But how is that possible if the date of last activity for each mentioned account and much more is incorrect. According to 15 USC 1681i ( 5 ) Credit reporting agencies are supposed to delete account 's if it they are not reporting accurately. Also. 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 if the person knows or has reasonable cause to believe that the information is inaccurate. Lastly, this account isn't in compliance with metro 2 credit reporting. I have evidence to prove my case. If your company doesnt honor my request to remove the above-mentioned alleged account, I will enforce my rights as a Federal Protected Consumer and litigate under the laws of the FCRA. Sincerely, XXXX XXXX
Product: Checking or savings account

Please be advised, on Tuesday, XX/XX/XXXX around XXXX XXXX The Chase Bank Agent, XXXX XXXX stole my check number # XXXX XXXX, Amount {$2.00} XXXX. On Friday, XXXX XXXX, I reached the Chase Bank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY-XXXX due to the fact I reported above. Unfortunately, XXXX XXXX XXXX denied and his Supervisor call the XXXX Police Officers who said that the Supervisor did like to see me around the Chase Bank meanwhile I am a Chase Bank customer since XXXX