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

I keep trying to dispute a account which has been paid with XXXX  and they keep closing it without updating. There is also accounts from XXXX XXXX which are supposed to be deleted due to settlement out of court. There is a FTC and police department report as well
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was in the hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I supplied proof and they will not remove a 30 day late status for that date in spite of a PERFECT credit score for decades with them and other creditors. I have asked twice for an investigation with no results. This is slotted to remain on my account until XXXX. This is unacceptable. It is obscene that I should be punished for such an occurrence, particularly when my account was previously impeccable and has been ever since!
Product: Credit card or prepaid card

I called for my neighbor, as he ask me to send a fax to Wal-Mart / Synchrony Bank. I have my own account and when customer service is called from my home they link the information with my account. I ask for their fax number to collections and the agent refused to give me a fax number. So I requested to speak to a manager, manger gets on phone and I tell her that I need the fax to the collections department and all she wants to do is argue with me. Makes excuses for not giving me the fax as she said they have so many areas with faxes and I told her again it was for the collections department. She still refused to give me a fax number. I told her I would be filling a complaint with you and I hung up. A simple request for a fax number and they act like you are going to steal their paycheck. This is totally uncalled for.
Product: Debt collection

Repeated calls ( 3-4 times daily ) asking for someone that is not me. 
I have told them it's not me and stop calling this number. 
Submitted a complaint on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter on XX/XX/XXXX through Certified Mail requesting a reinvestigation and the Method of Verification for a bankruptcy on my credit profile. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the letter from the US Bankruptcy Court stating they dont report to the credit bureaus. I have also attached a copy of my letter from XXXX saying my credit profile is frozen. How is the credit bureau verifying this alleged public record when the third party provider is frozen? Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). The credit bureaus has been non-compliant and didnt complete the dispute in 30 days. I further remind the credit bureaus, as in Wenger v. TransUnion Corp., No. 95-6445 ( C.D. Cal. Nov.14, 1995 ), you may be liable for your willful non- compliance. The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act, no validation in the 30 day time period, no validation with the third party provider of the data. XXXX cant verify this account and the Bankruptcy court cant verify Bankruptcies due to privacy laws. The public record is non compliant, inaccurate, and unverifiable.
Product: Credit reporting or other personal consumer reports

1- I HAVE CALLED REQUESTING MY CREDIT REPORT AND IT APPEARS TO ME THAT XXXX XXXX XXXX  HAD MADE AN INQUIRY THAT AFFECT MY CREDIT BY BRINGING MY CREDIT SCORE DOWN. I CONTACT THE XXXX XXXX AND THEY CLAIMED THAT I DO NOT HAVE AN ACCOUNT WITH THEM AND THAT I SHOULD CONTACT THE CREDIT BUREAUS SO THEY CAN HAVE IT REMOVED. 
THE CREDIT REFUSES TO REMOVE IT ; I HAVE CONTACTED THEM VIA TELEPHONE AND MAIL AND YED NO SUCESS. 

2- MY CREDIT REPORT ALS SHOWS 7 ACCOUNT OPEN, BUT YET ALL OF THEM ARE CLOSED.
Product: Student loan

On XX/XX/XXXX I received two emails stating that my payment schedule had changed for my income-based repayment plan, which I was under the impression would not expire until XXXX of XXXX. I logged into my inbox and found two documents explaining how my payment schedule would change and how much my monthly payment would increase although neither explained why this was happening. 

On XX/XX/XXXX I called Navient to verify why this was happening. The representative told me my XXXX plan expired on XX/XX/XXXX although unable to state why it had expired. The rep asked me 4-5 questions for a pre-approval in order to renew the plan and emailed me the link for the remaining information. Our call was disconnected early. I called back and the 2nd rep told me my current XXXX plan was active until XX/XX/XXXX and not too worry about the increased payment. 

On XX/XX/XXXX I called Navient again to verify if my XXXX plan was current or expired. The rep informed me that the extra payments I made during the past 6 months had pushed the payment schedule ahead and the system automatically expired the plan. She said she could rectify this issue and to check back in 24-48 hours to verify the changes. I was under the impression my monthly payment and schedule would reflect the same amount for my XXXX XXXX plan. 

On XX/XX/XXXX I called Navient to ask why the above changes were not reflected in my online account. The rep did not appear to have information to the above call. After approximately 40min on the phone he told me he could have the situation rectified and to check back in 24-48 hours to verify the changes. I asked to cancel the recertification of my plan since I wanted to remain in my current plan. He mentioned since we were so close to my XXXX due date ( the 5th of each month ) it was likely that the changes were unable to be made by this XXXX and I would be paying the increased amount. He assured me this payment would continue to be counted within my XXXX XXXX plan. 

As of XX/XX/XXXX I do not have a resolution to this issue. Navient does not appear to be training or supporting their customer support team in order to identify and rectify these issues. Navient 's online system appears to be set up to discriminate against extra payments made or other actions taken to pay back loans more efficiently. I have been paying my school loans through Navient for 8.5 years now and have had many conflicts. It appears as a whole they are largely unregulated and not held accountable for their actions.
Product: Credit reporting or other personal consumer reports

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim about the following Inquiries listed on my Equifax XXXX XXXX XXXX XXXX : XX/XX/22 XXXX XXXX : XX/XX/22 XXXX XXXX : XX/XX/22 XXXX XXXX : XX/XX/22 XXXX : XX/XX/22 How is it possible that Equifax conducted a thorough investigation in one day?

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my most recent dispute results.
Product: Student loan

My student loan payments were mishandled. All the interest I paid towards my loans was taken and I was not given any credit for that money. 

Out of the $ XXXX I paid in to the $ XXXX I borrowed, only $ XXXX went towards Principal. 

Where did my money go??? I paid $ XXXX over the amount I borrowed and AES/PHEAA MISAPPLIED my money.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information related to two mortgage accounts on my credit report. As documented in a court-approved agreement, these accounts were legally reassigned to the other party involved in my divorce. Despite this, they are still reported as my responsibility. This incorrect reporting has negatively impacted my credit. I request that these accounts be corrected or removed to reflect the accurate status. Supporting documentation, including the divorce decree, has been provided for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX XXXX Account Number XXXXXXXX XXXX  : Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX. : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

TODAYS DATE : XX/XX/2019 ATTENTION DISPUTE DEPARTMENT BERLINWHR-KS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious BERLINWHR-KS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

This company called my cell phone ( XXXX ) and left a msg on XXXX/XXXX/15 to return their call. Then they called my house phone ( XXXX ) a few minutes later and my wife answered. 
A women named XXXX XXXX asked my wife to take down her information and have me call them back. She stated she worked for an attorney and that I owed a debt from a XXXXcredit card account. My wife quickly googled this firm and found fraud allegtions and many complaints about them. 
After careful research we have found they are not attorneys, which is a violation of Federal and State Law, and have found they are not licensed to collect in the state of MA. 
I called the telephone number she gave my wife and a XXXX XXXX answered. She asked for my name, then she stated that I owed the debt a for a XXXX credit card. 
I then I asked her to send me documented proof by mail. She replied with " are you denying that you owe this debt? '' I said " no, I am asking youto send me proof.? This went on for a few more minutes and I just hung up.
Product: Credit card or prepaid card

Synovus Bank is not processing any of my credit card applications. I applied for the XXXX XXXX credit card on XXXX XXXX and I received an online message of, we can process or proceed any further with your application. I have never apply for or had any credit card from Synovus Bank. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following items on my credit report. These items are inaccurate, and I am requesting that they be investigated and corrected or removed as soon as possible. Additionally, I request the removal of all closed accounts that are more than XXXX XXXX XXXX. 

Disputed Items : THERE ARE MULTIPLE ACCOUNTS MARKED AS CHARGE OF AND NEED TO BE DELETED AS THEY ARE MORE THAN XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX : {$560.00} Status : XXXX late payment ( XXXX  days past due ) Reason for Dispute : I have made all payments on time. This late payment is inaccurate and should be removed from my report. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$490.00} Status : XXXX late payment ( XXXX  days past due ) Reason for Dispute : This late payment is incorrect as I have paid on time. Please update the status to reflect on-time payments. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$8300.00} Status : {$490.00} past due as of XX/XX/XXXX Reason for Dispute : I have made consistent payments and the past due status is incorrect. Please update this to reflect my timely payments. 
Removal of Closed Accounts XXXX XXXX XXXX XXXX : I request the removal of all closed accounts that are more than XXXX XXXX XXXX from my credit report. These accounts include but are not limited to any closed accounts prior to XXXX. 

Attached are copies of my credit report, along with documentation supporting my claims. Please conduct a thorough investigation and correct these errors promptly. 

Thank you for your attention to this matter. Please confirm receipt of this letter and inform me of the results of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Dear CFPB XXXX, This complaint was listed under credit acceptance and its not that company this is XXXX XXXX company Im writing about. The debt was sold to Jefferson Capital systems LLC I am writing to formally request the removal of a personal loan {$4200.00} from XXXX XXXX XXXX XXXX, which has been sold to Jefferson Capital, from all three of my credit reports ( XXXX, XXXX, and XXXX ). The loan in question has the XXXX XXXX XXXX : XXXX and was recorded on my credit report on XX/XX/XXXX. 

I would like to provide some context regarding my situation. Following a XXXX, I have been striving to recover both physically and mentally. During this vulnerable time, I was under the care of a caregiver who exploited my mental, emotional, and financial state. The co-signer on the loan, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ), SSN : XXXX took advantage of my condition, leading me to make decisions that I would not have otherwise considered. 

I attempted to protect myself by filing for a restraining order due to threatening communications I received from XXXX XXXX 's girlfriend. These threats suggested intentions to maliciously control my finances and living situation. I relocated from XXXX, MD, to XXXX California in hopes of finding stability and pursuing a XXXX XXXX, but the stress caused by XXXX XXXX 's actions ultimately led to a left XXXX  XXXX. 

Furthermore, XXXX XXXX has been incarcerated for over a year due to robbery charges, which has left me unable to pursue legal action against him for the financial harm he has caused. Despite presenting my temporary restraining order to creditors, they have been unyielding and have failed to recognize my status as a person with XXXX under the XXXX. This situation has significantly impacted my ability to recover and has hindered my potential business opportunities as I transition out of rehabilitation and reduce my reliance on antidepressants. 

Given these circumstances, I respectfully request that the CFPB investigate this matter and assist in the removal of the XXXX XXXX XXXX XXXX personal loan from my credit reports. This entry not only misrepresents my financial history but also exacerbates my current challenges. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. But it has been more than 35 days since the credit bureau havent responded. Thats a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), 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 notified 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 dispute information is inaccurate and record the current status of the dispute 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. Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by you
r agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Product: Consumer Loan

TJ Maxx serviced by Syncroney bank just put a negative result on my credit report stating that my account was delinquent and they had closed it. I have been negotiating with them for a long time they posted a XXXX XXXX from North Carolina charge on my account for over XXXX I told them this as not my charge and I lived in XXXX not XXXX. I asked for a detailed account statement and I do not owe them anything I should get an attorney because they have damaged my credit and I am not a happy camper