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

Complaints against World Finance Corporation, and XXXX, XXXX, and XXXX. World finance has continued to report unfactual and inconsistent information on my credit profile. All 3 Bureaus have failed to conduct a full and thorough investigation of my complaints, even after I have provided them tangible proof that World Finance continues to furnish them with erroneous data. In XX/XX/XXXX, I collected my 3 bureau report, I marked all information from World Finance that was inaccurate. I sent letters via US certified mail in XXXX, awaring World Finance of their inaccurate reporting and FDCPA violations including, but not limited to the re-aging of debt ( re-aged from XXXX XXXX XXXX to XXXX. XXXX now to XXXX. No payment or promise to pay has been made on this account in that time ; They also did not report any Date of last payment from the XXXX XXXX report, but in XXXX. XXXX they report a date of last payment of XX/XX/XXXX to XXXX only ( which is inconsistent and incomplete ) ; My XXXX XXXX report says that the account was opened XX/XX/XXXX, but in XX/XX/XXXX, they report instead with XXXX and XXXX that the account was opened XX/XX/XXXX ( Almost a 2 week difference ) .It is not possible to be 100 % accurate but provide two different dates to the Bureaus of when the account was opened ; The credit report that I pulled in XXXX has 2 year payment history that does not at all match the payment history being reported on my XX/XX/XXXX credit report ; XX/XX/XXXX report shows different High Credit balances, from XXXX $ to XXXX $ ; Account type is incorrect and different on both the credit reports I've pulled. I requested they remove the account from my credit profile. They did nothing! I sent documentation of all errors and violations via certified mail to XXXX, XXXX, and XXXX via certified mail in XXXX. They investigated and said the account is verified. Even then on my XX/XX/XXXX report account in Dispute remark was NEVER ADDED. I've even attached a screenshot of the XXXX Re-investigation report as proof that this account was formerly in dispute already. This company has failed to report accurate and consistent information on my credit profile since XXXX and has hurt my ability to obtain new credit in doing so. This is defamation of character. The credit Bureaus have failed to conduct a full and thorough investigation in light of all the errors that I have provided them with proof of and has allowed the creditor to continue to report unfactual data. I want this account removed from my credit profile immediately. I am attaching documentation, please take the time to read through, if not removed, I am prepared to move forward with my plan of action.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Checking or savings account

XX/XX/year> I sent money to somebody by a mistake call XXXX and my bank to try to cancel it they told me I have to wait because it got be reviewed then and up getting my claim denied try re open but never receive no info back
Product: Credit reporting, credit repair services, or other personal consumer reports

thank you for taking a few minutes out of your busy day to read this letter. I have enjoyed my relationship with KIKOFF LENDING LLC for some time and look forward to continuing my relationship with you. 
request your cooperation in removing my credit report to remove a late payment reported in XX/XX/2022 after reviewing my records, I realized I had missed the payment deadline. However, I can explain, i was going through financial hardship and couldnt afford to pay it but I take full responsibility for the mistake and have ensured it won't happen again by setting up autopay. 

I am applying for a mortgage, and a late payment on my credit report is hurting my chances of pproval. If you could find it in your heart to make this one-time adjustment, I believe I'll have setter luck getting approved, and I would be highly grateful for your kindness. 
have learned from my past mistakes and will ensure that I do not repeat them in the future. 
Thank you for your time and consideration of this urgent matter. If you need to reach me, my contact details are as follows.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and concern regarding the presence of late open accounts and late closed on my credit report. Despite my initial dispute and the provision of supporting documentation, these late open and new late closed accounts persist, negatively affecting my creditworthiness. This letter serves as my second attempt to request the correction of these inaccuracies. I kindly request that your agency conducts a thorough and comprehensive reinvestigation into these late open accounts, reviewing the documentation I have previously provided and any new information that may be relevant. It is imperative that you take immediate action to correct these errors and ensure that my credit report accurately reflects my payment history. Furthermore, I expect your agency to notify all the credit reporting agencies to which you have disseminated this erroneous information, as required by law, to prevent the continued spread of these inaccuracies. The following late open should be corrected and remove the late closed accounts as soon as possible : DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$640.00}.
Product: Student loan

I have contacted Navient two times to discuss decreasing my monthly payment due to my financial situation. I have provided them with my monthly expenses. They stated that they need my father 's information, as he is the cosigner. I have informed them twice that he is currently XXXX and not able to help with payments. Both times, they have told me they will send me the required paperwork to complete to verify my father 's XXXX status. I have never received this paperwork, either time I was told I would get it and have not even been given an option to lower my payments.
Product: Debt collection

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you.

1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.

3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account
Product: Credit reporting

there are XXXX bankrupties on my credit report. None which had been completed. I never went bankrupt. My house was foreclosed on. I filed but never completed the bankruptcy. They need to be removed from my credit report. It is ruining my credit.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

{ 1. US DIST CT Account Number : XXXX } { 2. US BKPT CT CA XXXX XXXX Account Number : XXXX } { 3. U.S. BANKRUPTCY XXXX  Account Number : XXXX } Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$5600.00} XXXX XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

This account got hijacked and was used fraudulently with out my consent or knowledge I had open up investigation with all the credit bureau XXXX XXXX XXXX XXXX  has removed this account for my credit report completely. XXXX has done multiple investigations that last over 30 days and still keeps the account on my credit report.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$1100.00} XX/XX/XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I are in the process of moving and purchasing a home. In anticipation of this event I pulled our credit to check credit scores. Upon doing so I discovered a defaulted SYNCB/XXXX  account. Over two weeks ago I submitted a fraud complaint. I then received a response from XXXX stating that the creditor verified the account as accurate. I then called Synchrony Bank to discuss the fraud claim. The first person I spoke to said that we could simply pay the claim. NO WAY! I then asked to be transferred to another agent. They said that the process would take 10 to 60 days. We hope to close on a home in less than 60 days. That agent said he would transfer us to the investigator and they would take our information. The final agent said that she could do nothing to help us expedite the process. Please note the following facts : 1. We currently have 3 open accounts with Synchrony Bank. One is paid off with perfect pay ( XXXX 's ), the second is XXXX 's XXXX with a XXXX balance, charged on monthly and paid off and finally XXXX XXXX which has a balance on automatic pay and paid perfectly. All three accounts have our current address and correct phone number. 

2. The address used to obtain credit is a home we have not owned since XX/XX/XXXX. We have not lived in that home since XX/XX/XXXX. The account was opened in XX/XX/XXXX. 

3. The first agent I spoke to said that they reject all fraud claims made through the credit bureaus by consumers. 

4. We have never had a late payment or any derogatory credit. 

5. The interest rate on the mortgage will be higher due to lower credit scores. 

6. The agent was in fact not the investigator and she made the following statements : A. There is nobody with more authority than her at the bank B. There is no way to expedite the verification process C. She can not give us the account number in reference D. She can not transfer us to another account manager E. The investigators will not talk to us to help provide information F. Her name was XXXX # XXXX ( probably not correct employee reference # ) G. She wanted us to link our current phone number with the defaulted account! 

The effects of this error will cause thousands of dollars in interest charges and/or possibly lose the house due to delay in processing.
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit card or prepaid card

On XX/XX/XXXX I lost my wallet while walking home from a store near my home. I discovered the loss that evening when Chase texted or emailed me about suspicious charges. I called Chase explained the theft and advised that my last purchase with the case was at approx XXXX that day at a merchant the name of which I provided. I advised that I had not had the card or used it, since then. Chase undertook to withdraw the suspect charges pending an investigation. On XX/XX/XXXX I received a letter from Chase dated XX/XX/XXXX advising that I was responsible for four of the fraudulent charges totaling {$890.00}. It indicated that I had " received benefit from '' three of the transactions, and had " notified them '' that a fourth charge " is valid ''. 
I contacted chase on XX/XX/XXXX by phone and spoke first with XXXX and then with a XXXX XXXX. XXXX indicated that three of the charges were in person and this was the basis on which they were adjudicated to be valid. She indicated that I had failed to report one of the charges- {$390.00} - as fraudulent. XXXX indicated that Chase would reopen the investigation. I asked for confirmation in writing as prior verbal discussions had evidently been misunderstood and the only written document I have from Chase indicates the charges are valid. Both XXXX and XXXX declined to provide confirmation in writing.
Product: Student loan

Submitted a refund request of XXXX payments made throughout the COVID-19 pause for a total of {$5000.00} on XX/XX/XXXX. Already submitted a CFPB complaint few weeks ago and Great Lakes replied back to me asking me to be patient with no ETA given. Called Great Lakes today on XX/XX/XXXX for an update of my refund request and was told it was still processing but the REP told me to cancel the initial request and resubmit it due to " new guidelines '' for how they sent out refund requests. The REP told me the Department of Education might have overlooked my request so resubmitting it might be faster. Before I gave her my permission to resubmit it she already comes back to tell me " Don't worry it's already resubmitted. '' So now my refund request is supposedly submitted on XX/XX/XXXX instead of XX/XX/XXXX. Now I feel like I am back to stage 1 behind everyone else? How is that fair? And what's the reason behind it? Each time I call Great Lakes the REPS gives me a different answers. Don't even know who is lying or not anymore. I've been told by various students/ex students who have their loan balance reinstated and refunds already processed or received and they requested early XXXX later than my initial XX/XX/XXXX request. Some Great Lakes REPS said it's processed in the order it is received but other REPS are telling me it is done by no random order? So which one is true? Who is lying and who is telling the truth? What they are doing it's unacceptable!!! The reps are nice but sorry to say they seem a bit clueless. I called 3 times in 1 day and each one have something different to say? What gives? Nobody in the Great Lakes department is on the same page at work.
Product: Checking or savings account

I received a text alert from my credit monitoring service, XXXX. On XX/XX/2021 they notified me that an account was opened at TD Bank without my authorization or knowledge using my personal information. I subsequently contacted TD Bank and they confirmed that an account had been opened, and that in order to open this account with them my Social Security number and drivers license information wouldve had to have been provided. Of particular concern and interest to me is the fact that one week prior I had purchased a new vehicle for myself and also a vehicle for my wife from XXXX XXXX XXXX  XXXX Pennsylvania at which time my drivers license and Social Security number was provided to the dealerships for the financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Im writing this letter to inform all credit bureau, transition, XXXX, XXXX to update the follow account on my credit report known as XXXX XXXX open on XX/XX/2021 the balance of XXXX is incorrect, this account is paid in full as agreed and remains in good standing with lender which I have spoken to lender to provide the verification letter stating this account is pay & full as agreed in closed at a XXXX balence, of excellent payment history on my credit report, which they had stated they will provide this letter and update the account but still hasnt provide the letter or updated the account status. please update this account immediately to its correct balance which is XXXX, pay in full as agreed account on my credit report. If not immediately changed is a direct violation of 15 USC 1681 under my FCRA rights, if this inconvenience is not corrected can cause damages to my credit report or call cast judgement on my credit worthiness with future lenders, if information is not update correctly showing its paid in full and good payment history, please correct and update status immediately
Product: Debt collection

XX/XX/XXXX I start receiving emails from a company Resurgent Capitol Services. Saying i owe a debt. My bills are paid and this debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Im looking to build personal credit history. I came across MoneyLion, they had nothing but false advertisements. Never stated the loan couldnt be defaulted, and, I was promise upfront cash for taking out the loan. I was approved for nothing and no option to end the loan. Customer service phone number doesnt do anything but repeat menu options. MoneyLion is a predatory company and a scam.
Product: Checking or savings account

On XX/XX/XXXX and XXXX I was charged for unauthorized charges both charges are {$49.00} each. I'm on XXXX and I can not pay my bills. These charges appear to be for a weekly newsletter. Please reverse these charges so I can pay my legitimate bills.
Product: Debt collection

A representative from " Nationwide Intermiediary Services LLC '' called me at my place of employment when I was not there and spoke to XXXX of my co-workers telling her I was being sued and there is a case with the Superior Court and gave her case numbers and detailed information about this issue. 
I called her back the same day and she told me I was being sued and that the Superior Court was involved and had a case against me. She went on to tell me I could resolve the issue by paying this debt today. I took her info and told her I would need to call her back. 
My wife and I both spoke with her about an hour later on speaker phone and she repeated most of what she had told me in my previous conversation with her but also went on to say that I could do " jail time '' due to check fraud and a list of other reasons. She also stated we had to resolve it today and that it was the deadline and that they already had a case against me and they would win, that we were targets because of our income. 
We chose to make a payment ( we were scared ) but are concerned after reading online about the company she says she is representing in this matter, She stated that " XXXX XXXX XXXX '' is who she is representing but then there is also another company involved called XXXX XXXX XXXX. WHO ARE WE PAYING and why? 
We have been completely strong-armed into paying this huge amount of money solely out of fear because of the threats and the personal ( and false ) information communicated at my place of employment. We don ' know where to turn for help in this matter.