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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$520.00} ; XXXX XXXX XXXX Original creditor QXXXX XXXX XXXX  Balance XXXX {$300.00} ; XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I was contacted today by a debt collector- for land line service that was provided at a location that I did not live at for over a decade. When I asked about the term of service for the phone line, I was told to call XXXX XXXX XXXX. When I called XXXX XXXX XXXX  they told me that they didn't have the account information I was required to get from them. I'm just expected to pay them without even being told when the service was provided and where. I've disputed this debt multiple times and it keeps getting sold to a new debt collector and I have to go through the process over. I left the address in question at the end of XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Repossession Entry on Credit Report To Whom It May Concern, I am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. 

The entry in question is as follows : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Repossession : XX/XX/2023 I respectfully assert that this entry is inaccurate for the following reasons : XXXX. Lack of Proper Notification : According to XXXX XXXX, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law. 

XXXX. Failure to Sell in a Commercially Reasonable Manner : XXXX XXXX also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle. 

XXXX. Violation of State-Specific Laws : Additionally, [ XXXX XXXX ] state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession. 

I request that you investigate this matter promptly and remove the inaccurate entry from my credit report. Please provide me with written confirmation once the investigation is complete and the entry has been corrected. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Debt collection

I XXXX XXXX DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT. 
BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

I did not authorize all of these companies to submit hard inquiries on none of my credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up. Experian is in violation of the Fair Credit Reporting Act 611 [ 15 U.S.C. 1681i ] - Procedure in case of disputed accuracy and FCRA - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 

Experian failed to respond in 30 days to my CFPB COMPLIANT XXXX. 

In that complaint, I put Experian on notice that it is violating my consumer rights and federal law by reporting inaccurate, incomplete account information that it claims was re-investigated and verified via CFPB COMPLAINT # XXXX. I notified Experian of clear factual inaccuracies and Metro2 compliance violations. As a result, the involved accounts are NOT reportable and an are act of willful noncompliance and questionable reporting, per the FCRA. See attachments. It is now XX/XX/2023 and Experian still has not provided a response to address my XX/XX/2023 CFPB COMPLIANT. Due to Experian 's willful noncompliance, my financial character has been defamed, I am subjected to high interest rates, and I am under emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureaus responsibilities. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$700.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Dater XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Student loan

Dear CPFB : I submitted a complaint to your office about Navient. The ID # is XXXX. Navient replied, but they did NOT answer my direct and explicit question that asked " how many months was I in Forbearance status since loan inception? '' Instead, Navient replied that I was enrolled in their Income Based Repayment status with their records reflecting " that you have made 48 qualifying payments towards Income Based Repayment ( IBR ) loan forgiveness to date. '' I asked them " what time is it? '' They responded with " 82 degrees and sunny. '' So, I called to ask this un-anwered question, and was told that I was in Forbearance status for 30 months since loan inception. 

I formally ask Navient to convert these 30 months of Forbearance status to that of IBR, and to make any retroactive adjustments of accrued interest related to this conversion. 

Why? Because I spoke to Navient about repayment options throughout the years. During these calls, I was pushed, pointed, promoted and steered countless times toward Forbearance rather than Income Based Repayment. Why? Because, simply put, Forbearance is very much to Navient 's advantage, while Income Based Repayment- in stark contrast is to the consumer 's ( mine ), since IBR allows for a consumer to have their loan forgiven 20 years after enrolling in such a program if they keep up with minimum payments ( even if those payments are {$0.00}. ) Hence, Navient defaulted to promoting THEIR self-interest in the form of Forbearance without disclosing all options in full to me, the borrower. 

In fact, I was told by a supervisory rep of Navient on the phone on XX/XX/2023 that " Navient policy is to advise of IBR prior to offering Forbearance ; Forbearance is the last option, but some reps have not always advised the borrower of this. '' Their policy was conveniently self-serving, and I suffer as a result. My student loan has ballooned to unmanageable levels that effectively drown my future financial wellbeing. At its origin, the principal amount was around {$62000.00}, and I have made payments over the years totaling {$35000.00}. My present amount owed? 

{$100000.00} Again, I ask that Navient convert my 30 months of Forbearance to that of IDR, and to make any retroactive adjustments of accrued interest related to this conversion. This request is based on their purposeful obfuscation of borrower options that is at best unethical and at worst illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dealership was NOT authorized to run my credit, I have the letter from them stating it was their mistake, I have sent several letters to Experian showing them this, I have several letters to the companies/banks on the hard inquiries yet no one will take them off even with letters showing they were in the wrong. Experian should be helping me take them off as I have significant proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Cradit Reporting Act : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. ACCOUT NAME : XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the highest balance is inaccurate, and the date last reported is accurate. This is ground for removal. 
They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Product: Bank account or service

Wells Fargo opened a fraudulent account in my name and charged me fees for it. They have also shut down accounts i have in good standing for years because of one missed payment in which i was investigating due to the fraudulent account. I would like to have these accounts in good standing ( non usable ) at a lower interest rate due to the fraudulent account. If they are closed as derogatory this will affect my credit and since i am in the business of XXXX this will have a great affect on my career.
Product: Mortgage

I am attempting to pay off my loan early by making additional payments towards my principal each month and the mortgage servicing company reverted my payment towards escrow, and made me have a missed payment for the month of XXXX.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA, they are required to .... '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Checking or savings account

I did.A mobile deposit on a check.They did not cash XXXX didn't do the transfer from my XXXX XXXXXXXX XXXXAccount ending in XXXXmy synchrony account and XXXX XXXX dollars and they will not release my XXXX XXXX dollars but it's available
Product: Debt collection

This charge resulted from XXXX charging a restocking fee for merchandise that I refuse to accept. The merchandise had electronic components and they were involved in a vehicle impact. Electronic parts a very sensitive. When they are involved in a accident, damage may not be visible to the eye and can not show up for weeks/months. 

I refused the product and XXXX XXXX issue payment against my advice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information listed on my credit report in accordance with 15 U.S. Code 1681e ( b ), 15 U.S. Code 1681i ( a ) ( 5 ), and 15 U.S. Code 1681s-2 ( b ). The account in question is listed under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. XXXX XXXX XXXX inquiry on XXXX XXXX Under 15 U.S. Code 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information on consumer reports. This specific account contains information that I believe to be inaccurate, incomplete, or unverifiable.

Furthermore, according to 15 U.S. Code 1681i ( a ) ( 5 ), upon notice of a dispute, the credit reporting agency must conduct a reinvestigation, and if the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly updated or removed from the report. Also, 15 U.S. Code 1681s-2 ( b ) requires that the furnisher of this information conduct a proper investigation to verify the accuracy of the data they are reporting.
Product: Credit card

Unfairly charged consumer for interest by Bank of America. 
Bank of America offered me Promotional APR of 0 %. The Promotional Rate End Date was XX/XX/2024. On XX/XX/2024, which was my due date, I paid the XXXX XXXX XXXX XXXX. When the statement closed on XX/XX/2024, there was no interest charged. On XX/XX/2024, I paid the Last Statement Balance in full. However, when the statement closed on XX/XX/2024, there was interest charged of {$130.00}. I contacted Bank of America, but they declined to refund the interest. 
This is extremely unfair! The " Promotional Rate End Date '' provided by Bank of America is deceptive and ambiguous. On the payment due date of XX/XX/2024, when I know that the Promotional APR of 0 % End Date is still valid until XX/XX/2024, it is very natural for me, as an average consumer who does not have a sophisticated understanding of the APR, to just pay the minimum payment due, and then pay the full balance on my next payment due date which is XX/XX/2024. Bank of America did not take any action to alert me that if I do not pay the full balance on XX/XX/2024, there will be interest charged. Normally, an average consumer like me usually pay once per statement cycle which is usually on the payment due date, and it is unusual for an average consumer to pay again XXXXhree days after the payment due date. Also, had the " Promotional Rate End Date '' been the same date of my payment due date, I should have paid off the full balance on XX/XX/2024. So, I have a good reason to believe that Bank of America set the " Promotional Rate End Date '' like this on purpose, so that they can unfairly charged consumers for interest. 
I have been offered promotional 0 % APR by other major banks. With all the other banks, I was always able to make the minimum payment due on the payment due date that is on or before the Promotional Rate End Date, and then pay the full balance after the Promotional Rate End Date without any interest being charged. Bank of America is the only exception. 
Again, I have a good reason to believe that Bank of America has unfairly charged me for interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
Original creditor is denying any misreporting to CRAs. 

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX 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

Notice of pending litigation seeking relief & XXXX XXXX under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance. due to the FAMILY PRIVACY ACT OF 1974, ( FERPA or the XXXX Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments.THIS IS A DIRECT VILOATION OF MY RIGHTS. {$5000.00} RELIEF FROM EACH REPORTING AGENCY
Product: Credit card

dear XXXX, XXXX i recently received your reply to my concern unfortunately we did not come to an understanding so i would like to initiate arbitration. i sent a demand letter back in XXXX it was never delivered because the address is not service. i had also sent XXXX to your lawyer XXXX XXXX and they said they forwarded it to you I will send it again. 




XXXX XXXX Senior Specialist Corporate Consumer Relations Synchrony Bank Attn : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> with this company. The CFPB site show the status as Open and company response " still working on issue ''. Yet, the company sent me an email XX/XX/year> notifying me the investigation was completed with XXXX changes to the personal information. I provide proof of address and Driver 's License. 

Did the company really investigate? 
Is the company truly working on the investigation as if now? CFPB reflect yes but the email I received say investigation is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On yesterday there was 25 points removed from my credit score no apparent reason why no explanation on the reason why
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with Experian about them verifying a XXXX XXXX  charged off account on my report. I filed a CFPB complaint on XX/XX/23, Claim # XXXX. 

On XX/XX/23, Experian stated that the account information would be fixed, and my case was closed with the CFPB. I just received an updated results message from Experian on XX/XX/23. The results are " the account has been updated 'XXXX XXXX XXXX XXXX account is showing the same inaccurate results as my previous reports. 

Please assist me with this account that's inaccurately reporting on my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and unreceptive as they did not comply with error resolution requirements under the Electronic Fund And Transfer Act. These actions have cause severe inconvenience and severe financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.