23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the XXXX data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit 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 These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite XXXX 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681XXXX ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. Emotional distress caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the XXXX data breach and the consequent inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

For years I have disputed this account. This account is a line of credit which has been charge off. The account is over 7plus years and should not be on credit file. They keep reporting saying all information is correct. Which is wrong. The account is charged off closed. by the report, but then it still reports as if the account is active which it is not. There is no checking or savings acct tied to this and the information is incorrect. It has been charged off and again over 7 plus years and it is closed not active they need to remove this off my credit report.
Product: Student loan

Me and my wife have been trying to work with Navient for the last five years to lower our monthly payment now they have declared us in default. I have been unemployed on and off for the last five years, we have mostly been using my wife 's income to make ends meet. We can make payments just not the XXXX a month they want us to pay ... I had tried in the past sending monthly payments between XXXX and XXXX but that didnt even cover interest. Now our Student Loan Debt is over {$92000.00} dollars our original Student loan amounts were only a total of {$42000.00}. Also my wife has spent the last 20 years working at XXXX and since our loans are consolidated we can not take advantage of any debt relief programs.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT INC. and attorneys et all. fraudulently created a security bond without disclosure or my consent. MIDLAND CREDI MANAGERMENT mailed a document dated XXXX, postmarked XXXX, and was received by me on XX/XX/XXXX requesting response 30 days from the date in the document. Despite only allowing for n official response in 15 days, per the request, an unrebutted response was mailed to MIDLAND CREDIT MANAGEMENT XX/XX/XXXX, and arrives at the po box on XX/XX/XXXX. XXXX XXXX has no wet signature contract with MIDLAND CREDIT MANAGEMENT, therefore, no debt owed. MIDLAND CREDIT MANAGEMENT has violated ( 17 C.F.R. 205, 18 U.S.C. 8, 12 U.S.C. 1955, 12 U.S.C. 1957, 15 U.S.C.77K, 15 U.S.C . 77w, 15 U.S.C 77x, 15 U.S.C. 77y, 15 U.S.C. 77q, 18 U.S.C. Ch 47, 18 U.S.C. 1911, 18 U.S.C. 1953, 18 U.S.C. 1957, 18 U.S.C. 1962, 18 U.S.C. 1963, 18 U.S.C. 2073, RICO Act, FCRA, FOIA, Securities Exchange Act of 1933, Securities Exchange Act of 1934, 15 U.S.C 1631, 15 U.S.C. 1637a ) among others. I will also be contacting the Texas Attorney General, the Securities Exchange Commission, XXXX XXXX of Texas as well
Product: Mortgage

Refinanced a home equity from BOA into a mortgage at XXXX. During the closing we provided all the correct information to XXXX -- at payoff XXXX tried to pay off the home equity with a wire which BOA was not willing to accept so they over night the check to BOA with the correct address. The tracking number indicated that they received it on XX/XX/XXXX. We have called BOA everyday trying to figure out why the payment and payoff was not completed. Customer service kept us on hold for over 90 + minutes. I then called their 800 number to lodge a complaint and was told they could not do anything. So I find myself not being able to complete a complaint ; speaks to the Presidents office and they could not help me. I spoke to XXXX in customer service and a supervisor XXXX XXXX - he asked to transfer me 3 or 4 times to be on hold for 90+ minutes again and all I asked was for a formal complaint to be registered. I have spent over 5 hours trying to talk to someone at BOA to repair this situation and payoff the home equity and it is still not resolved. I am not even sure if they did file a complaint because I have not evidence of this nor did he tell me someone would take care of it. This is unacceptable and feel this is not the manner any bank should operate. This is unacceptable and they have way too many excuses especially for a system conversion that does not have a business continuity plan for instances like the above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have notified these three ( 3 ) creditors of the severe impact of the COVID-19 pandemic on my XXXX dating back to XX/XX/2020 and have asked for COVID- related assistance without success. Presently all three are reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track XXXX purchasing business equipment, rehiring employees XXXX. I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application. 

( 1 ) XXXX XXXX XXXX XXXX - XXXX ; ( 2 ) Synchrony Bank - XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX - # XXXX which was charged off without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corected from my file right away JPMCB HOME XXXX Balance Owed : {$150000.00} XXXX XXXX Balance Owed : {$720.00}
Product: Credit card or prepaid card

1.I have never had an account with this company BARCLAYS BANK DELAWARE , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are BARCLAYS BANK DELAWARE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Student loan

My student loan payments doubled this year from roughly XXXX to roughly XXXX. I am a XXXX XXXX  and have been making my payments for the time I've been in XXXX  XXXX. This is not counting the XXXX  years I made massive ( XXXX $ XXXX ) payments and never was able to touch the principle amount due to the predatory interest rates. I called the company ( XX/XX/XXXX ) to attempt to work with them to lower the payments while I'm in school for the rest of this school year ( XX/XX/XXXX ). I was told ( my an incredibly rue and condescending manager ) that the loan ran out of in school deferment and that they only people who qualify for in school deferment extension are XXXX XXXX  students and " people who can write a prescription '' despite my program being longer than law school. Apparently Navient doesn't consider XXXX programs to be as important as law school. I explained that there is no way I can afford almost XXXX $ a month since my entire stipend is only XXXX a month and I have a child and an elderly parent I provide for. The manager 's response was to " figure it out. '' I was also asked " if there is any reason my cosigner can't help '' despite the company having record that he died almost a decade ago. I know they have that information because they threatened to sue my grandmother for money despite the fact that I have been making full and on time payments.
Product: Debt collection

I settled the balance with this company ( which I might add took hours ) They requested that I put the money owed to them on visa pre-paid cards which I did. The manager emailed me a letter showing that the balance was paid and I didnt owe anything. Now, I look at my credit report and it shows that I owe them less than the original balance which I expected to see a number there since we settled but thought it would say " Closed '' but it doesnt it is still open. So, I called. They said I would have to talk to XXXX since he is the one that took my payment. XXXX came on the line. I explained the situation and he mumbled. He didnt have an explanation. He kept dancing around my question and interupting me. He contridicted everything I said. He was huffing and puffing. Sighing constantly. This frustrated me a great deal especially since there was already a language barrier on his end. I could hear him whispering and then people laughing in the background and then I became upset. I told him that I didnt understand and I didnt want to call him back if I had more questions because my first question still hasnt been answered. He said " OH MY GOODNESS '' and he hung up on me!!!!! Im not sure what to do at this point. Im positive I can get my question answered from someone else there. But when I call they say I have to talk to him. I refuse to talk to someone who treats people this way. He is supposed to be a professional!!!! Hanging up on me?! This is ridiculous!! I am also filing a complaint with the XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXSubject : Dispute of Inaccurate Information Request for Removal of XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit report under your agency. The accounts in question are as follows : XXXX. **Account Name : ** XXXX XXXX XXXXAccount Number : ** XXXX XXXX : ** Charged Off 2. **Account Name : ** XXXX XXXX  XXXX Number : ** XXXX XXXX : ** Charged Off I believe these accounts are being reported inaccurately and should be removed from my credit report for the following reasons : 1. **Incorrect Reporting : ** The accounts are listed as " charged off, '' but I have no record of these accounts being charged off.

2. **Lack of Verification : ** I have previously disputed these accounts with XXXX XXXX XXXX and they have not provided sufficient evidence to validate the accuracy of the charged-off status.

3. **Violation of FCRA : ** Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of disputed information and ensure the accuracy of the information reported. I have reason to believe that the information provided by the furnisher ( XXXX XXXX ) is inaccurate, and I request that you verify the accuracy of these accounts with the furnisher. 

Additionally, I am aware that Experian has been sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes, including failing to forward all relevant information to furnishers, failing to provide accurate notice to consumers, and failing to conduct reasonable reinvestigations. Given this history, I urge you to take this dispute seriously and ensure that a thorough and accurate investigation is conducted. 

**Request for Action : ** I request that you : 1. Conduct a reasonable reinvestigation of these accounts as required by the FCRA.

2. Remove or correct the inaccurate information from my credit report.

3. Provide me with a written explanation of the results of your investigation, including any actions taken.

Please note that under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate, incomplete, or unverifiable, you must delete or correct it promptly. 

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

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

Hello I keep getting harassed by Convergent loan company about money I owed to XXXX which was the creditor which was fraud and never authorized by me which XXXX knows and should have in there notes. So I am unsure why this is still on my credit report or even going on. I have no problem explaining the situation. These collection agency 's keep calling up my phone and keep sending me letters. Under the fair credit act I asked them to show me proof I really did anything which I know they can not since It was fraud and I never signed over anything. I just want this deleted from my file on XXXX, XXXX, XXXX   and any other companies. 

Last year I had spoke to XXXX a few times to try and resolve this whole thing they had mentioned something about money from an XXXX there was a bunch of transactions and my XXXX I had closed to avoid this from growing. XXXX was going to reverse all money to XXXX account this way she would owe the money. I believe it was her son hacked into my file and tried to pay his mother with XXXX. I do not feel responsible In anyway as this was fraud and not authorized by me. I keep getting these settlement letters but there is nothing for me to settle as I do not owe XXXX XXXX so I hope you guys can help resolve the matter and the people who owe the money. If anyway I can help I would be more than happy to do so but this is 100 % fraud. I just want the harassment to stop.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on credit report and found several items on there to be inaccurate and fraudulent. 

Under XXXX XXXX XXXX XXXX ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item, of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Time has already passed but up until now, I havent heard any kind of response from you. You have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : BankruptcyXXXX Case Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  XXXX XXXX inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX - XXXX XXXX of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure a how this happened. I need this Items deleted from my credit report. I have already gotten a police report and FTC. XXXX, XXXX, 'XXXX , XXXX XXXX. There are also some inquiries that are not mine. XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX.