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

I recently disputed fraudulent information on my credit bureau after I was exposed in recent data breaches. I have already submitted all of the supporting so I am resubmitting this dispute. I am verifying that this is me who is disputing these fraudulent items. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed in my etc report were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asa
Product: Credit card or prepaid card

I had unintentionally provided my employer with an old account info for cash app that I no longer had access to. This was XXXX of 2021 once I realized my error and contacted cash app about the issue it took a couple of days die to the way their customer service is set up they assured me that if I provided a letter from my employer on company letterhead that had specific information about the direct deposit and ach number that the issue could be resolved. We'll once I had that form my employer it was a different story altogether and they stated I'd have to have the issuer reverse the deposit. This was about XXXX by this point in time which was 2 months after.ive tried showing them the original emails where they said they could resolve the issue with said letter but to no avail. This is for a paycheck for over XXXX dollars and it's frustrating for me. All bc I don'have access to the phone or email that I used for that account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My previous complaint was I've recently checked my credit report and noticed incorrect information reported among the three bureaus of the date of the XXXX  XXXX account opened.They 're Two different dates shared among three bureaus which are XX/XX/XXXXXXXX  and XX/XX/XXXX which is INACCURATE because you can only open an account on ONE individual day. Also they're no closing day reported for XXXX and Equifax. So that would be an incomplete report. In the result in the previous complaint the claim to had updated everything as a resul which was not updated. When my preferred resolution that was stated due to false information given by bureau was to REMOVE Account from my credit reports/information. Which was not the resolution given.
Product: Checking or savings account

On XXXX XXXX my Credit Karma Account Received my income tax refund to my save account. 
The company did not put in my disclose what banks did not align with there system, thus rejecting XXXX banks. I chose a bank that did and the error messages persisted. It stated the the snag was on Credit Karma side. I called for three day making them aware that holding my funds was causing me a hardship. The case was escalated, I explained those funds were for my livelihood and that I had a sick child. They stated that the account would be closed a a check would be mailed and it still has Not I don't believe this is an isolated incident, in order to close the account, you need an external account to receive your funds, A company called plaid verified the account were linked. Yet they held my funds continuously now after days of delays my obligations go unmeet! Also, my creditors can't get paid but I have the money, and I also learn bill can't be paid out of this account.
Product: Student loan

Hello! Navient is now the administrator of my student loan and my loan terms appear to have changed based on what I see on the web site. I have a 3.25 % fixed interest rate with a remaining principal of {$9100.00} as of today, and I make monthly payments of {$170.00}. The web site indicates that I 'm on a 2-year interest-only payment schedule beginning XXXX XXXX and that my loan will be paid off in XXXX -- neither of which are accurate based on the terms that have existed since these loans were consolidated in XXXX. I have unsuccessfully tried to speak with a human being at Navient to ask about this many, many times. ( The line always disconnects before I am transferred. ) Additionally I never receive a call back from their automated system when I opt for that options instead of waiting on the line. I did not approve any changes in my loan terms and I would like documentation of my exact payment/payoff schedule to confirm everything is as it should be. Thank you for your assistance, and for your very existence as an organization!
Product: Credit reporting or other personal consumer reports

XXXX Dear XXXX You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : XXXX I demand that you remove the following personal information that is being reported inaccurately : XXXX XXXX Reported : XX/XX/XXXX Remarks : charged off as bad debt Meets FCRA Closed : XXXX XXXX Type : Credit Card Credit Limit : XXXX $ Opened Date : XXXX XXXX 3 years 11mos Company : XXXX XXXX  Company Address : XXXX XXXX XXXX XXXX, GA XXXX I demand that you delete the following items being reported inaccurately as follows : Reported : XX/XX/XXXX Account : Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I demand that you remove the following public records being reported as follows : Company : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Inquiry : XXXX XXXX I demand that you correct the following accounts being reported as follows : Opened XXXX. XXXX, XXXX ( 3 mos ) Account status : Open Type : Derogatory Responsibility : Individual Original Creditor Name :XXXX XXXX XXXX  Debt : XXXX $ Remarks : Placed for Collections Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX , TX XXXX Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you required by federal accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law unverifiable accounts must be removed. 

Please see the attached documents as confirmation of my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX account status Derogatory Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and Experian and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.
Product: Mortgage

My loan has been in forbearance period for 5 months. To request for an extension, I submitted a Borrower Assistance Application and reference documents to mortgage company through email on XX/XX/2020. 

I received a 'Notice of Default and Intent to Accelerate ' letter requesting to payoff the delinquent amount from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Discover Card tradeline on my XXXX report to no avail. Even Discover Card has reported to me that they requested that XXXX   remove the tradeline from my XXXX  credit report. However, XXXX has failed to do so. I have sent several requests to XXXX   requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 7 different occasions. My rights are being violated.
Product: Debt collection

Company involved has continued to change amounts owed / made this process extremely confusing as to how to get this COMPLETELY removed OR caught back up / late payments removed. 

Please help with this process, I've yet to get help through the company. If they could fix this on their app so that I could catch this account up I would be grateful.
Product: Student loan

I am an XXXX XXXX. When I was XXXX to XXXX, my loans went into default. Before going to default, I attempted to get my loans in a deferment or income based repayment plan. I had tried to have the XXXX use a Student Loan Repayment Plan ( SLRP ), but he XXXX did not process this payment correctly. Instead of putting the loans into a military deferment, using the SLRP to pay the loans off, or put the loans in an income-based repayment plan, my loans went into default. I have tried working with the loan provider and debt collection company, but neither will not allow me to pay off the loans with a payment plan. Now that the loans are in default, the XXXX 's SLRP program wo n't pay the loans off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX XXXX  : {$17000.00} ; XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  : {$720.00} ; XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

Hi, My Problem is with Paypal, Some 4 months or more ago palpal had suspended my personal PayPal account due to their statement of violation of the terms of services. 

I have tried to reach them over the phone but never get through to anyone to discuss this issue. I emailed them, then the reply was as stated before, I asked exactly what was the specified transaction or transaction that violated the terms of services, but unfortunately, I never got any specific answer, only the general vague response of violating the terms of services with no specific or reference to the stated violation. 

The Account had a balance of XXXX if I remember correctly and was frozen and can not use it or transfer it for my bank account or pay for any purchases, and was informed that it will be there for 180 days. 

Today XX/XX/2021, I received an email from Paypal stating that " {$190.00} USD ; Paypal posting date : XX/XX/2021, payment to Paypal damages caused by Acceptable Use Policy Violation ; Paypal Damages caused by acceptable Use Poly violation. 


Transaction type : Correction. 
-- -- -- -- -- -- -- -- -- -- -- -- I have the civil right to specifically know what and how I had violated these rules and to know where I did make the mistake to be held liable for this penalty both financially and mentally. exactly what happened? why they did what they did? NO Answer from Paypal. that is so uncivilized and unlawful, when someone is being penalized, he or she would have known the exact situation of their violation not just blunt and blank accusation, in order to review and respond to these charges. it is at least just a fair " Due Process as they say. 

this is totally unacceptable and totally offensive and I believe under fair law it must be solved according to the just and fairness to both parties. 
I demand an exact reference to the stating the violation incidence that I was charged with and entitled to my full rights under the law. 
Thanks,
Product: Credit reporting

There is Public Record Information on my credit profiles that I feel is inaccurate in its filing. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization. By Consumer Rights law I am entitled to know of the entity that has verified the information. This derogatory is holding my identity and credit under " XXXX XXXX '' for 10 years, where is that written as law, when there was not a satisfied action? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Credit Limit- {$8500.00} This is being report inaccurate on my Equifax and XXXX credit report. It shows up on XXXX out of XXXX. XXXX does not show this on my credit report. This is an violation of the Fair Credit Report Act.

Per US Code 1681 Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit card or prepaid card

I have 5/3 bank credit card for years. All of a sudden they closed my account and also adversely impacted my credit score. I had always paid the card in time. My score went down by 1 due to this. 
5/2 bank never gave me any warning or intimation before closing my account.
Product: Credit reporting or other personal consumer reports

Citizens Bank NA ran my credit on XX/XX/. I have tried multiple times to reach customer service but you can not get through without providing an account number. I am NOT a customer of Citizens Bank, did not perform any credit transactions with them, don't have an account or bank account with them, they are not underwriting any insurance for me and they have no legitimate business need in connection with me to be running my credit report. As far as I am concerned, this is not allowed by law and I would like a written explanation about why they are running my credit report. Thank you.
Product: Debt collection

Thirty days ago, I sent the credit companies a letter disputing the items listed below. As of today, the credit company has failed to respond to deleted outdated information, erroneous accounts, addresses that do not belong to me, and misspelling of my name, and inaccurate information listed, it must be deleted from my credit report. The following accounts are the items the credit bureau has refused to investigate, delete, and remove. AUTO NOW FINANCIAL SERVICES # 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

I was denied access to view my Transunion credit report because Transunion stated that I couldnt because I had an open dispute. Ive never heard of this rule and theyre violating my FCRA rights by not allowing me to view my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies on my credit report and to formally notify XXXX of potential legal violations that require immediate attention. 

Identification of Inaccuracies : Upon reviewing my credit report, I have identified several inaccuracies that have adversely affected my financial standing. These inaccuracies include : incorrect balance, late payments, account number, credit limit, date of reported and others inconsistencies. 

Impact on My Financial Well-being : The inaccuracies outlined above have severely affected my creditworthiness and overall financial health. In XX/XX/XXXX, I experienced a major financial setback due to a family emergency, which led me to apply for a personal loan with XXXX XXXX  and other creditors offered loans with significantly high interest rates and I have been wrongfully denied which was highly embarrassing and has negatively impacted my lifestyle. This misinformation has had a detrimental impact on my financial options and opportunities. Would you reinvestigate the accounts listed below. 

Account Name : XXXX XXXX XXXXXXXX Number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report. 

Reference to Relevant Laws : I believe that these inaccuracies violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The FCRA mandates accurate reporting and stipulates that consumers have the right to dispute and correct inaccuracies on their credit reports. 
Based of consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.

Request for Thorough Investigation : I kindly request that XXXX conducts a thorough investigation into the inaccuracies outlined above and takes immediate corrective action. I believe that rectifying these errors is crucial to maintaining the integrity of the credit reporting system and upholding consumer rights. 

Potential Legal Consequences : Please be advised that if these violations are not addressed promptly, I may be compelled to take legal action to protect my rights under the FCRA and other applicable laws.

Optionally with the proof I am attaching to this letter, you will agree it needs to be removed XXXX. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. You may reach me at XXXX XXXX to discuss this further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Prepaid card

On XXXX XXXX, Rushcard performed a so called update and stated that it would last for only a few hours. Unfortunately, the issue evolved into a much bigger problem leaving me without access to my funds or using my debit card for almost a week. I called Rushcard for a week straight and stayed on hold for over an hour with no resolution. I get paid on Fridays and my check did n't post until Saturday morning. Now my paycheck that I should 've received on Friday, XXXX, I would 've got paid again. However, today on Wednesday, XXXX, I still do n't have my funds on my card. My employer sent the deposit over and Rushcard has n't given me access to my funds.