23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Experian is reporting numerous inaccurate names and an irroneous BK on my credit report. My numerous attempts to have them remove it went ignored and experian told me to contact the furnisher the courthouse- who in turn responded in writing stating they do NOT reporting this information to any of the bureaus. So statement by experian is a LIE! I have then supplied proof from public search showing NON existance and NON accuracy of this account to experian who again ignored my request for deletion and I kept getting this -we will not reinvestigate your issue because we already resolved this- auto generated responces. this is rediculos and should not be tolerated The law states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Product: Credit reporting or other personal consumer reports

Hello, I am a victim of identity theft, there are XXXX cards with XXXX opened on XXXX XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX Those credit cards were opened fraudulently, I spoke with XXXX and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.
Product: Debt collection

XXXX XXXX is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I called Citibank 's online banking center about a month ago, and I was told that there was a fraud hold on my account. This was alarming because I had no fraudulent transactions olr notices from the bank. Citibank 's phone center told me they were sending a letter with a code three weeks ago. I HAVE NOT RECEIVED A LETTER FROM CITIBANK WITH A CODE YET. It has been over three weeks. Citibanks Executivie Complaint Division sent an email telling me to wait for the letter. I went into the bank with valid ID, and Citibank refused to service me. It has been four weeks now. The hold is still on my account. I need help resolving this matter. I am expecting a large deposit on Friday, XX/XX/year>, and I need access to my money.
Product: Checking or savings account

I wrote a check to vendor with the Square Checking Online services. The check was deposited on XX/XX/year> and on XX/XX/year>, the Vendor claimed that they did not received their check. However viewing the check status online says that the check has been cleared and deposited. 

I called and exchanged communication with Square Checking support for 3 weeks. The only answer I got was the best official validation is the statement I can view online.The statement only has a picture of the front of the check, no account deposit references whatsoever. After asking for more information or higher level contact to escalate. I received an email saying there is no further escalation I can take. 

I tried to contact XXXX XXXX  which is their parent bank and they only responded with same information to contact Square Checking Support.
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 violates the consumer financial protection act ( CFPA ). 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 deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. CODE 6801. PROTECTION OF NONPUBLIC PERSONAL INFORMATION.I have NEVER GAVE NCB XXXX XXXX EXPRESSED WRITEN PERMISSION TO COLLECT AND SHARE MY DATA, AND UNDER FALSE PRETENSES. DUE TO THE INFRINGEMENT AND BREACH OF MY RIGHT OT PRIVACY AND TO BE SAFE WITHIN MY PAPERS ACCORINDING TOTHE FOURTH AMENDMENT. THERE IS NO PERMISSIBLE PURPOSE PURSUANT TO 15 USC 1681, MY NON PUBLIC PERSONAL INFORMATION IS NOT TO BE SHARED BY XXXX ALSO AS A THRID PARTY AFFILIATE. ANY INFORMATION OBTAINED AND WITHOUT MY AUTHORIZATION MUST BE DELETED OR BLOCKED. THE OBLIGATION HAS BE RELIEVED. CEASE AND DESIST ALL MEANS OF COLLECTIONS OF A DEBT. THE SELLING OF MY DATA FROM NCB MANAGEMENT TO XXXX IS AGGREGATED ID THEFT OVERALL. ANY INFO REPORTING FROM NCB IS TO BLOCKED AND REMOVED PURSUANT TO FCRA, FDCPA AND FEDERAL LAW STATES HEREIN.15 U.S. Code 1681c2 - Block of information resulting from identity theft.
Product: Checking or savings account

On XX/XX/2019 Bmo Harris Bank allowed for an individual to go into a XXXX branch and make two with drawls for the amount of {$7200.00} total using my name birthdate and Social Security number that I did not authorize and was not there for
Product: Credit reporting, credit repair services, or other personal consumer reports

sick during covid for over a year and all these accounts have popped up. no such contract can i find, but to report a collection for a few hundered dollars does not make sense Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$400.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$250.00} written off. {$250.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$370.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX  Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$390.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$580.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 39 Months On record until XX/XX/XXXX XXXX  XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$830.00} Highest balance {$0.00} Terms 12 Months On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$710.00} XX/XX/XXXX XXXX XXXX {$770.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$380.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$340.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have not received enough information to verify the debt. I have repeatedly request proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - National Credit Adjusters - On XX/XX/XXXX, I settled this account through National Credit Adjusters. The account is paid in full and is closed. I am reaching out to request a goodwill deletion from all three credit bureaus. I filed a previous complaint with the CFPB regarding difficulty with having the credit bureaus marking the account down to {$0.00} and closing the account. NCA did respond with a letter to assist with the matter and I appreciated it. I hope that NCA will be able to grant the same goodwill for a goodwill deletion due to extenuating circumstances. I did attempt to reach out to XXXX XXXX, NCA 's Director of Operations, on XXXX and left a voicemail, but I have not received a response. NCA provided his contact information with the previous letter. I am a victim of a natural disaster where I lost my home in a fire in XX/XX/XXXX and I was laid off twice within the time frame of having this account. I am a single parent of XXXX children and I am speaking with lenders regarding purchasing a home for my family. I was told by having this account removed that I will be able to have up to XXXX points added to my XXXX score which would assist with my purchasing a home. I appreciated NCA 's assistance in the past and I hope the company grants this decision. I have attached the settlement letter from National Credit Adjusters, the XXXX XXXX reflecting that the amount was taken from my checking account, Red Cross Letter, police report from the fire, & the letter from NCA regarding the closed account. Thank you for your cooperation.
Product: Mortgage

We were formerly with Greentree, then they changed their name to Ditech. We have been trying to modify our loan since XX/XX/XXXX. We have submitted information multiple times, and have scanned documents to support this. I would be more than happy to transfer all of the documentation to you, but there is a LOT. We received a letter from them that finally after multiple faxing and sending paperwork in via certified mail on XX/XX/XXXX that they had finally received all of the necessary information. Then on XX/XX/XXXX we received another letter stating that our request was denied as " we had n't sent in all of the pertinent information. On XX/XX/XXXX we uploaded a completely new packet ( 3rd try ) and were told today that the file was closed on XX/XX/XXXX and that our account has now been transferred to XXXX ( a new company ) We want to keep our home. We are very delinquent, not because we have not tried to fulfill their requests, but rather because we are getting the run around. We have received letters every other month with a different account representative, and multiple requests for information that we already sent in and have fax confirmations of receipt. Any assistance you can provide would greatly be appreciated.
Product: Vehicle loan or lease

I have a repo on my credit reports which I ask to the bureau to verify or remove from my credit reports and its been over 90 days and I still have not received any verification. I'm demanding this account be deleted immediately.
Product: Debt collection

I am writing to you regarding a matter of utmost importance concerning an identity theft account with company XXXX XXXX account # XXXX date open XX/XX/XXXX XXXX  XXXX account # XXXX date open XX/XX/XXXX that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with 15 U.S. Code 1681c-2 ( a ) investgate and remove from file and credit reporting companies 18 U.S. Code 8, I owe no Debt. This Company is violating my Consumer rights to privacy pursuant to 15 USC 1681b 2. company also has NO permission to report ANYTHING using my NON-PUBLIC info pursuant to 15USC 1681 4 I HAVE ADDED A AFFIDAVIT OF FICTITIOUS ACCOUNT TO THIS COMPLANT
Product: Student loan

In XX/XX/XXXX, I took out a private student loan with a co-signer while in my XXXX degree program at XXXX XXXX University in XXXX, WI. After completing my XXXX degree, I went on to complete a XXXX XXXX degree and shortly after entered into XXXX school in XX/XX/XXXX. While I continued to be in school the loan was deferred. However, during XX/XX/XXXX, my first-year of XXXX  school, I contacted Navient about the loan as I received a notice that it will enter repayment soon. When I contacted Navient in XX/XX/XXXX the customer service representative advised that I had used all of my deferment periods and could no longer defer the signature student loan. Nevertheless, I was then advised by the Navient representative that because I was still in-school I could make payments of {$50.00} a month. I agreed and started to make payments. 

Subsequently, I would have to call in every month to ask for a forbearance and then make the {$50.00} payment. After making several payments which Navient did not accurately post to my account. On XX/XX/XXXX, I placed a call to Navient and spoke with a supervisor, XXXX XXXX, and it got ugly. XXXX XXXX advised me that Navient is unable to take any more {$50.00} a month payments and either I pay the loan off in-full or make the regularly scheduled monthly payments. I explained that I was a full-time XXXX  student that was unable to work full-time according to XXXX standards and there should be a way to make a payment arrangement. 

XXXX XXXX was very nasty and advised that " I just need to pay my bills. '' I escalated the call to the customer support team and left dozens of messages with the team regarding my complaint on XXXX XXXX. Unfortunately, I was not able to reach a live person and towards the end of XX/XX/XXXX, the loan became seriously past due. I am upset because I have kept all of my student loans in good standing but ever since Navient took over this loan from XXXX XXXX their customer service practices has led to this defaulted private loan. Navient 's continued unwillingness to make " reasonable '' payment arrangement with a full-time enrolled XXXX student has caused both myself and my co-signer to suffer harm with all three credit bureaus. Moreover, I have done my due diligence in trying to keep this loan in good standing. 

Further, on XX/XX/XXXX, I received a letter from Navient advising that I was overcharged forbearance fees and that I had received a refund of those fees on my account. My issue is that nothing on my account was reported accurately and up-to-date I am not able to see a full listing of all my {$50.00} payments that were made. 

Lastly, the private signature student loan that was originally taken out with a principal of {$2300.00} but has grown to {$4400.00} with several late fees, should not be seriously delinquent as I am willing to set-up a payment arrangement. I need assistance in dealing with this Bully of a Loan Service Provider. Navient 's customer service department does not seem to understand how they are negatively impacting people 's lives by deliberately and intentionally causing responsible borrowers to default on their loans. It must stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAVE FAILED TO RESPOND TO MY COMPLIANCE LETTERS ITS BEEN OVER 60DAYS, THEREFORE IM REINTERATING MY REQUEST IN THE FAIR SOLUTION BOX.
Product: Mortgage

I refinanced my VA mortgage to get a lower rate and my overall loan balance has increased and payments are higher than they were when I originally got the loan. I tried getting it resolved and understand there is some costs but it seems odd to me every time I call I get passed to a different person with no solid answer to why it cost so much and how to lower payment if nothing has changed in tax value. The principal balance is high and majority of my payment goes to interest not the principal. I cant afford to keep making this payments and currently facing possibility of being involuntary separated from army due to force reductions. I am unsure what to do next trying get my payments lowered and some of the fees waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease XXXX XXXXXXXX XXXX . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Experian and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I got behind in my payments on a home loan with Wells Fargo due to financial hardship. I applied to have my loan modified and it was taking several months. I was told not make a payment until it was finished. In XX/XX/XXXX I went on XXXX XXXX orders with the XXXX XXXX XXXX and continued to try and get the loan modified. I was told that I would be put on a deferment and make a partial payment, despite wanting to just have the loan modified and move forward. I started the process again in XX/XX/XXXX and it wasn't until the spring of XXXX that I was told I did not qualify for loan modification. I was told my home would be foreclosed unless I could pay the balance. I asked if I had any other options and, for the first time, I was told I could sell the home. I was able to sell it a day after it went on the market and pay off the loan in full. However, this has had a very negative impact on my credit report. I recently found out that I should have easily qualified for a loan modification due to my military status. I feel I was not completely informed, especially in regards to being able to sell my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request three credit bureaus to remove/delete deragoratoratory credit information from XXXX XXXX  and two XXXX XXXX XXXX  accounts based upon Federal Truth in credit reporting act from Federal Trade Commissions-FTC with supporting papers of prior and current dispute in court and medical defenses as treated like absentee and manipulation done in bad faith.
Product: Debt collection

You are in direct violation of several sections of 15 USC 1681.

Your agency has taken upon itself to report an erroneous accounts/inquiries on my credit report, which violates the same laws youre suppose to uphold. You are in clear violation of 15 USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( b ) ( 2 ).

Pursuant to 15.USC.1681. ( a ) ( 4 ) you must respect a consumers right to privacy. You have violated 15.USC.1681. ( a ) ( 4 ) by violating my right to privacy by not receiving authorization or permissible purpose according to 15 U.S. Code 1681b.2. ( a ) In General - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. Therefore, I am demanding that the following accounts be removed from my credit report immediately.

Failure do to so will result in litigation pursuant to 15 USC 1681 ( N ) -Civil Liability for willful noncompliance and 15 USC 1681 ( O ) Civil Liability for Negligent Non Compliance. 

I demand that you remove the following accounts : I C System ( XXXX XXXX XXXX Opened : XX/XX/2020 2020