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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX VA XXXX Subject : Request to Cease Reporting Charged-Off Account Dear Navy Federal Credit Union XXXX XXXX hope this letter finds you well. I am writing to formally request that you cease reporting on my credit report regarding account number XXXX, XXXX, XXXX, XXXX and XXXX which has been charged off. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

According to the FCRA, I believe that reporting this charged-off account may not be in compliance with the regulations that govern accurate credit reporting. Specifically, I am referencing the XXXX XXXX, title X, XXXX XXXX. XXXX ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) which permits consumers to dispute inaccuracies on their credit reports.

As the account has already been charged off, continuing to report this account may unfairly affect my credit score and financial opportunities. I kindly ask that you take the necessary steps to remove this account from my credit report.

I would appreciate written confirmation of your receipt of this request and any actions taken in response. Please send your response to my address listed above. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly. 

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

RE : XXXX XXXX XXXX  XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, 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. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five accounts on my credit report that are not mine I have gone thru this with Experian and XXXX  but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX of 2020 I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; Bankruptcy XXXX XXXXXXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the XXXX account ( # XXXX ) on my credit reports with XXXX, Equifax XXXX and XXXX. The discrepancies between the credit bureaus reporting regarding this account are significant and misleading. Due to these inaccuracies, I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Inaccuracies Identified XXXX. Date Opened : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. High Credit : XXXX and XXXX : {$2100.00} Equifax : {$0.00} XXXX. Last Reported Date : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX and XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Late Payment Reporting : XXXX : Was 30 Days Late XXXX Time ( XXXX ). 
Equifax and XXXX : No late payments reported These discrepancies, particularly concerning the high credit, last reported date, date last active, and late payment status, indicate significant inaccuracies. The inconsistency in reporting a late payment by XXXX, while Equifax and XXXX report none, is especially concerning. 

Violations and Impact The inaccuracies in reporting violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such discrepancies can negatively affect my credit score and financial standing, leading to potential denials of credit or other financial difficulties. 

XXXXpplicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to consolidating my student loans I was reported as late in XX/XX/2012 although I was under a forebearance at that time. XXXX  confirmed the dates of my forebearance yet 36 individual loans continue showing with a false 90 day late. I have disputed these with the credit bureaus unsuccessfully. When calling the loan servicer I was told that the lates were under a previous servicer ( XXXX XXXX ) and that they could not remove the falsely reported information although they ( XXXX ) are the current servicer.
Product: Student loan

My student loan is in forbearance and has been the subject of a lawsuit " Navient Career Training Loans Discharged in Bankruptcy '' case. They call relentlessly day and night. Now they are harassing family members and friends with phone calls. How are they obtaining this information on these contacts?? My loan was back in 2005. There is a current lawsuit " XXXX XXXX, on behalf of herself and all others similarly situated vs. Navient Solutions , LLC and Navient Credit Finance Corporation ( Case no. XXXX ) that Navient agreed to stop collection on private education loans. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX, My credit score on Experian was horribly reduced from incorrect labeling and information on their end. I was an additional card holder for an account that my parents are the ones who are accountable for, I am and never was legally responsible for it in anyway ever. They also had my parents address listed on my credit report as a previous address for me but I never lived there and it was due to the error mentioned above. After finally getting it resolved at the end of XXXX, XXXX, the address is back on my report and they are now missing a previous closed credit card account I had with XXXX XXXX and in the past 72 hours ( XXXX XXXX ) my credit score has dropped almost 50 points because of incorrect information, outdated balances and removing information that helped me and adding information that is false and I removed less than a month ago and hurts me. Further more I signed up for their membership at the end of XXXX to be proactive and prevent any issues like this from happening again and it still happened and they removed utilities from my report on XX/XX/XXXX that they added which boosted my credit score after I submitted a dispute with them because it was showing the previous months bill amount that was paid in full and reduced my score on XX/XX/XXXX. They system wont add it back but they still have it listed under their XXXX  benefits and they state that they update monthly but they clearly dont since it had my previous balance still showing that had been paid in full since XX/XX/XXXX XXXX
Product: Checking or savings account

My account has been compromised and my money is not accounted for. Inaccuracy on my account with a balance of {$0.00} I don't have my account number but I have my social security number XXXX My date of birth is XX/XX/1996 Ga state Id number is XXXX
Product: Credit card or prepaid card

was charged a late fee for payment due on XX/XX/2023 which lands on a Sunday. I promptly paid my balance on XX/XX/2023 on Monday. i reached out by chat to American express and they said they would not reverse the XXXX late fee. but i think its unfair practice to charge late fee on a Sunday. a day that is considered religious for some people.
Product: Student loan

MY DAUGHTER CONSOLIDATED HER STUDENT LOANS WITH XXXX AND THEN THE LOAN WAS GIVEN TO NAVIENT WE ARE HARRASED 24/7 BY THIS COMPANY MY DAUGHTER PAY EVERY MONTH SHE HAS PAID BACK XXXX DOLLARS ALREADY AND NOTHING HAS BEEN APPLIED TO PRINCIPLE IN FACT ANOTHER XXXX IN INTEREST HAD BEEN ADDED ON TO THE LOAN. MY DAUGHTER HAS BEEN ON AN INC9OME SENSITIVE PAYBACK PAYING APP 500 PER MONTH IN PMTS. AS OF XXXX XXXX, 2016 THEY SAID YOU MUST PAY XXXX PER MONTH MY DAUGHTER SAID XXXX I CAN NOT PAY THAT IM ON XXXX THEY SAID WELL THEN YOU CAN GO ON FOREBEARANCE. MY DAUGHTER NOT REALLY KNOWING ANYTHING TOOK THE FOREBEARANCE UNTIL XXXX SINCE XXXX HER AND I HAVE BEEN GETTING NONSTOP CALLS 24/7 FROM COLLECTORS FROM NAVIENT WHO CURSE US OUT CALL EVERY NUMBE THEY HAVE ON FILE WITHING 3-5 MINUTES OF THE OTHER CALL CHARGING LATE CHARGES AND AT ONE POINT I SPOKE WITH A SUPERVISOR WHO ASKED MY INCOME AND HOW MUCH MY BILLS WERE A MONTH AND SAID TO ME OH YOU CAN CUT DOWN ON YOUR FOOD BILL BY XXXX PER MONTH AND PAY YOUR DAUGHTERS LOAN AT THAT POINT I SAID THIS CALL IS NOW ENDING. I HAVE WRITTEN TO THE ADVOCATE AT NAVIENT NO RESPONSE. MY DAUGHTER STARTED WITH XXXX IN CONSLIDATED LOANS AND IS NOW UP TO XXXX AFTER PAYING XXXX IN PAYBACK. I AM DISGUSTED BY THIS TYPE OF TREATMENT. I WANT THE ACCOUNTS TO HAVE AN AUDIT BECASUE MY DAUGHTER DOES NOT OWE THAT AMOUNT OF MONEY AND IT LOOKS LIKE A DISBUSREMENT OF ALMOST XXXX GOT HANDED TO THE SCHOOL 6 MONTHS BEFORE SHE GRADUATED. WHICH I HAVE A FEELING IS A FRAUDULENT DISBURSEMENT. I NEED SOMEONE TO ADDRESS THIS ISSUE BECAUSE WE CAN NOT TAKE IT ANYMORE IT IS TAKING A TOLL ON MYSELF AND MY DAUGHTER RUINING OUR CREDIT RATING IF MY DAUGHTER DIDNT PAY HER LOANS TO BEGIN WITH I CAN UNDERSTAND BUT SHE PAYS MONTHLY. THANK YOU WE ARE AT OUR WITS END XXXX XXXX FOR XXXX FORMERLY XXXX XXXX, NY XXXX XXXX
Product: Credit card

Convenience checks should not be sent to card holders unsolicited, and THE CARD ISSUER SHOULD BE REQUIRED TO PROVIDE PROMINENT INSTRUCTIONS AND DIRECT PHONE NUMBERS FOR OPTING OUT. Opt-out should take effect immediately, not with a 30-day grace period for the card issuer. Unsolicited checks are a serious security risk, especially since a mail thief could cash the checks before the account holder is aware that unsolicited checks were sent. 

On XX/XX/year> I received XXXX unsolicited convenience checks associated with my Barclays Bank credit card without any information or phone number indicating that I could refuse the checks or opt out of future convenience check solicitations. The same day, it took XXXX tries calling the number on the back of my credit card to reach a live Barclays Bank customer service rep to enquire about opting out. The rep executed the opt-out order but told me that it could take 30 days for the opt-out to take effect.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX City State Zip : XXXX, CALIFORNIA XXXX Date of Birth : XXXX Last 4 of SSN : XXXX DATE : XX/XX/year> Subject : Complaint Regarding Incorrect Account on My Credit Report Under FCRA Dear Consumer Financial Protection Bureau , I am writing to dispute the following information in my credit report. I am disputing this account under the Fair Credit Reporting Act ( FCRA ) for the following reasons : Information on the Disputed Account : Name of Financial Institution : XXXX XXXX XXXX Account Number : XXXX Date of Account Opening : XXXX The above-mentioned account was never properly notified to me as required by the FCRA. Under the FCRA, I must be notified of any information that affects my credit report before it is reported. The lack of proper notification violates my rights under the FCRA.

15 U.S.C. 1681b : Limits the purposes for which a credit reporting agency may provide my credit report. I was not informed or asked for my consent for this Account 15 U.S.C. 1681i : Describes the procedure for disputing inaccurate or incomplete information on my credit report. I am disputing the accuracy of this account and request that it be removed immediately.

15 U.S.C. 1681m : Requires that I be notified of any adverse action taken against me due to information on my credit report. I did not receive any notification about this account. 

Thank you in advance for your attention and help in resolving this complaint. 

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

I AM A VICTIM OF ID THEFT AND XXXX FCRA FTC LAW ENFORCEMENT REPORT ATTACHED. 
XXXX XXXX XXXX. 
IS REPORTING FRAUDULENT BANK ACCOUNTS IN MY NAME.
Product: Debt collection

I received a letter from a lawyer saying that I owe XXXX for a loan that I did not take out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX  XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit card

My sister saw an article in XXXX magazine and recommended that I contact you in hope that you can resolve a financial issue with Sear 's credit card company, Citibank. 
Due to an illness, I fell behind in making my monthly payments on my Sears Card to Citibank. Citibank charged me monthly late fees, interest and high minimum payments due that I could not possibly pay. At which point, I stopped trying to make payments that I could not possibly afford and Citibank stopped sending me statements even though my address and phone number have not changed. I 've attached the statements and noticed that they consistently posted my payments 2 months late which I would think would affect the interest calculations. 
On XX/XX/XXXX, I received a letter from Citibank stating my Sears account had been closed. It also stated it was my responsibility for any balance left on my account which was {$2400.00} at that time. 
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX ( Collection Agency ) offering a reduced settlement. I was still not financially able to pay the offered amount. 
In XX/XX/XXXX, now being financially able to settle the debt ( with family help ), I contacted the collection agency on XXXX XXXX, who told me the account was no longer with them, that they had handed my account back to Citibank. They gave me the phone number ( XXXX ) for Citibank to contact. I attempted to do so XXXX ( on XXXX XXXX and XXXX ) but got the run around. No one there would assist me. 
After those unsuccessful calls, I contacted an attorney who advised me to write to them ( copy enclosed ) offering them a payoff. I offered {$1500.00}, the amount that the collection agency proposed previously. I sent the letter certified, return receipt requested on XX/XX/XXXX which was received by them on XX/XX/XXXX. To date, I have not received any response or further communication from them.
Product: Mortgage

My home has been under the short sale program for several months with SPS, we have presented several offers to this company and all have come back being denied, my property needs repairs, we have been working with a buyer for several weeks that has spent time and money to prepare a bid for repairs for this lender. The value set on my property is for fair market value and my agent has been working to have the value properly reflect the repairs needed. Throughout this process we are all being told by SPS that my property did not have a sale date even though XXXX is publicized for XXXX XXXX XXXX, XX/XX/2015 at XXXX. As of today I am still having communication problems with having SPS advise their trustee that the sale scheduled for my property on Monday is on hold. They are trying to foreclose on me instead of working with my agent to sell my house. SPS has mislead us for several weeks and has lied many times by advising my agent that there is no sale date and that all is being worked on. When indeed there is a sale date and per their trustee it is active.