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

I am writing to formally dispute inaccurate and unverifiable information that continues to appear on my credit report despite my previous efforts to have these errors corrected. As a resident of XXXX XXXX, I am aware of the recent lawsuit filed against XXXX by the New York Attorney General, which highlights the ongoing issues with XXXX 's handling of consumer disputes. I believe my experience aligns with the allegations raised in this lawsuit, as XXXX has failed to conduct proper investigations and has allowed erroneous information to persist on my credit report. 

The following accounts listed on my credit report contain inaccurate and unverifiable information and should be removed immediately : XXXX XXXX  - {$1100.00} XXXX XXXX XXXX - {$79.00} XXXX XXXX - {$2300.00} XXXX XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX  XXXX XXXX {$2100.00} Under the Fair Credit Reporting Act ( FCRA ), XXXX is XXXX to investigate disputes and ensure that only accurate, verifiable information is reported. I am requesting that these accounts be deleted from my credit report unless XXXX can provide documented proof of their validity. Failure to do so within the legally required time frame will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's office. 

Please provide me with a written response within 15 days of receipt of this letter, confirming the deletion of the disputed accounts or providing documentation validating their accuracy. Enclosed with this letter are copies of my identification and relevant documents to facilitate your review. 

Thank you for your prompt attention to this matter. I look forward to your resolution of this issue.
Product: Mortgage

I contacted Chase on XX/XX/XXXX, XXXX, XXXX, and XXXX regarding PMI removal. I was under the impression that if I paid down to 80 % of my original mortgage value then I would not need a BPO. When speaking to the Chase escalation managers, I was told that I would need a BPO regardless of how much money I paid toward my principal and regardless of whether I paid down over 20 %. I then received a written notice stating I would not need to get a BPO if I paid down to 80 % of my original loan value. I then called Chase again and was told for the first time today that Chase would honor a written agreement but that they do not manage my PMI and that I would have to contact the business that handles my PMI. Unfortunately, Chase could not provide me with the company name or phone number to contact regarding my PMI. Chase stated since I would need a BPO regardless of money paid down ( even if it was over 80 % of the original value ). Chase stated they would then refund my extra principal payments. I am reporting this due to incongruent and contradictory information, which is not in line with PMI requirements.
Product: Student loan

Navient, for our student loan, calls our home every 30 -45 min utes, beginning at  XXXX  and ending at  XXXX - XXXX  we are behind on our loan. we have called them to set up a payment plan. Even when a payment is made, we still get the calls because we have not caught up.  <P/> I believe the federal trade commission says that numerous calls a day is considered harassment. I have tried to get navient to stop the calls and they refused, denying that they even call that often.  <P/> It is very upsetting to get calls every 30 minutes, every day. and then they deny they are doing that, and refuse to help resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts considered charged off/Collections. These accounts are still on my consumer report and should not be. Wrongfully garnished wages with LVNV funding LLC  and I want my money back. Was never given XXXX099-C for any of these debts. I believe these companies are committing tax fraud.
Product: Credit reporting or other personal consumer reports

I am writing to notify you urgently that I have been a victim of identity theft, which has resulted in several fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. Immediate attention is required to rectify these errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and am formally requesting the prompt removal of the fraudulent items from my report to ensure its accuracy.
Product: Credit reporting or other personal consumer reports

DISCOVER BANK fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). DISCOVER BANK is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX, XXXX, and XXXX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

Hello- I'm filing this complaint because XXXX is trying to collect a debt that we don't owe. 

Here is what happened : We had asked XXXX to terminate our connection on XX/XX/XXXX as we were moving out of our then home at XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Illinois. XXXX did not act on this and kept billing us over and over again. Until they finally cut our service. I called them numerous times for an updated bill, they didnt respond to this as well. 

I called their customer service ( name, date ) : XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Im spending my time on this for their inability to work through these things. This is seriously stressing me out. 

Our XXXX account number : XXXX XXXX XXXX XXXX Our debt collection # : XXXX I hope proper action is taken. 

Thanks!
Product: Mortgage

I AM REQUESTING THE OMBUDSMAN DEPARTMENT TO AUDIT MY ACCOUNT. STILL, I WAS TOLD BY LOSS LITIGATION AFTER 12 MONTHS BEFORE THEY FINALLY APPROVED MY TRIAL MODIFICATION THAT MY MORTGAGE WOULD GO FROM {$1300.00} TO {$1800.00} X 30 YEARS NOT {$2600.00} TRIAL DUES WHICH DOES NOT INCLUDE XXXX XXXX XXXX DUES OR SPECIAL ASSESSMENT FEES THAT MAY ARISE IN THE FUTURE. THE {$2600.00} TRIAL DUES IS PUTTING ME AND MY FAMILY IN HARMS WAY. 
I AM A XXXX XXXX VETERAN THAT RECENTLY RECOVERED FROM COVID 19 NATIONAL DISASTER. PLEASE, PROVIDE ME WITH A REASONABLE MORTGAGE DUES SINCE I HAVE AN EXCELLENT FIDUCIARY RELATIONSHIP WITH MR COOPER. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER LATE FCRA VIOLATONS : Account info Account name XXXX XXXX Account number XXXX Account type Credit card NOT MINE : FCRA VIOLATIONS : XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$340.00} Status Account charged off. {$340.00} written off. {$340.00} past due as of XX/XX/XXXX. 
XXXX, XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5900.00} Status Collection account. 


XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$210.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$80.00} Status Account charged off. {$80.00} written off. {$80.00} past due as of XX/XX/XXXX. 
Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Multifamily ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential
Product: Student loan

I am a XXXX XXXX and has been for the last 12 years, and I am currently in the process of filing for divorce, in XX/XX/XXXX I moved out from my previous address and I also opened a XXXX XXXX to have my mail forwarded. Last week I received a letter from a company called Navient stating I am late on my payment, I called the company to explain they have the wrong person I have never been to college nor applied for student loans. The rep then explained that I am the cosigner, for my wife. I never gave my soon to be exwife permission to use my social and to my surprise this occurred since XX/XX/XXXX, she never told me about this and it seems as she has been hiding the mail since then because I am always on the road more than I am at home. I asked her why she used my social for her student loan and she simply said after we got married she thought I would like to invest in her education.
Product: Credit card or prepaid card

I tried several times to contact the company to get assistance with paying my credit card bill and lowering and/or removing fees during my time of a financial hardship due to loss of income, but have not been able to speak to anyone at the company for any help.
Product: Credit card

This is regarding an Ann Taylor card by Comenity. Customer service by both was awful. I thought I had paid off my card before going to XXXX XX/XX/XXXX to XX/XX/XXXX. I saw around XX/XX/XXXX that I had to pay XXXX. I paid to my XXXX checking account I am a Private Client and have XXXX in the account. Ann Taylor/Comenity claim the funds were not there. Another time a rep of XXXX said there is no account. There is a chance I typed in a wrong number. My SIM card had changed. Maybe XXXX thought it was fraud as my computer must have shown to be in another country. But I paid other accounts with no problem and did not receive a fraud email. I received a {$25.00} fee that the transaction was rejected, XXXX XXXXXXXX interest on this, another {$25.00} fee on the previous fee and maybe {$1.00} on interest. {$54.00}! for XXXX allegedly not paid. I paid it off in XXXX when I returned and finally closed the card after several attempts to get my money back. 
XXXX HAS NO RECORD OF ANY XXXX TRYING TO GO THROUGH. I think these are bogus charges. They know nothing about customer service as XXXX does, which is the XXXX  XXXX USA bank. Ann Taylor stores close and they don't care if they lose a customer. There is no way XXXX was not in the account. Why charge so much for some glitch or something on purpose they do to steal money. I will not go to a collection agency over this. Please regulate Comenity ( of Bread Financial ) and see if others have the same complaint. I am sure they do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XX/XX/2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XX/XX/2020.
Product: Credit card

Someone made charges on my account without my knowledge. I filed a complaint. My charges were cleared, but the company is still charging me interest on the cleared charges. 
Barclays XXXX XXXX XXXX XXXX, PA XXXX The last recorded time contacting this company was XX/XX/year>. At that time they told me my account balance was {$0.00}.
Product: Credit reporting or other personal consumer reports

I attempted to make a monthly payment on a home-improvement account with XXXX XXXX when I discovered that the account had been closed. When I inquired as to why, I was told : " After reviewing your account, I see that this account was closed as per the terms that are applicable for all customer in compliance with all credit card laws. It was closed on XX/XX/XXXX based on an update from the Credit Bureau Transunion. 
The decision was taken by the management based on an update from Transunion regarding your credit scores, credit ratings and your performance not only with XXXX  but also all your other open lines of credit. 
It is not based on the XXXX payment history. It is based on all your open lines of credit. An email letter was sent to you on XXXX XX/XX/XXXX with full credit report details. '' Clearly, closing an account that I had been paying regularly doesn't help my credit at all -- not to mention, the next step would be collection, making my credit score even worse. 
My fear is this is a regular practice, preying on middle and low income customers ( and small businesses like mine ) who were forced to use such credit accounts to handle emergencies during the COVID shutdown. This is clearly a predatory practice by financial institutions that should be illegal. It's the equivalent of mortgage holders who have made regular monthly payments only to be foreclosed on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Two morgage back started in XX/XX/XXXX, in year XX/XX/XXXXwe had issue in employment lost and burgary in house as a result we filed the application with XXXX XXXX XXXX and received approval for six month payment hold however XXXX XXXX XXXX reported the late payment and delay of 60 days and can't correct in all three credit bureau after send all paper work as a result we were able to correct in one or two credit report directly with credit report however we received denied credit due to issue not corrected by XXXX XXXX XXXX and still face same issue just recently XXXX XXXX denied the store credit card due to this. 
In the past we lost one of case in court and received the judgement, XXXX XXXX XXXX paid the judgement directly from my checking account however never updated credit filed as a result we have to purchase 6.5 % interest loan as of today even if primary loan is now 3.5 but secondary load is still 6.5 % which bank never consolidated and it was keep do enquiry on the account. Many of our credit card credit limit from {$25000.00} to {$500.00}, we never carry any balance more than months.
Product: Checking or savings account

I noticed on XX/XX/year>, that Citibank had sent me an email congratulating me on opening an account. They provided my username and asked me to log in. I contacted their fraud department by email and asked the account to be closed. 

On XX/XX/year>, I received a second email saying that my debit card had been shipped and would be arriving at my address in the mail soon. I called Citibank to report fraud and get them to close the account, but they would not do so without the full card or banking account number, and told me to contact the Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 letters now to Transunion as well as XXXX  to dispute 17 hard inquires on my credit report. They have not removed them and it has prevented me from getting a loan that is needed for some home repairs. This has been going on for at least 6 months now. I was successful at getting the disputes removed from XXXX. I can provide the letter that I have sent to the credit companies if needed. They are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Why has this been so difficult.

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

Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the immediate blocking and deletion of the inquiry listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file.

Please ensure that the following inquiry is blocked and deleted from my credit report : INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : This information is being sent directly thru me. I have provided all of the needed Identification documents that Experian requires pertaining to ID Theft requirements.

This complaint needs to be taken seriously. The certified letter was sent to Experian by me.

Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute. Your lack of immediate response clearly violates my rights according to 605B. I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. Transunion has deleted the reported information, and blocked the reporting of these from my current report. XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX ATTACHMENTS IDTheftReport.pdf ( 140.1 KB ) DL.pdf ( 83.1 KB ) pdf-0089-fcra-605b.pdf ( 65.5 KB ) Experian fraud.odt ( 12.5 KB )
Product: Payday loan, title loan, or personal loan

On XXXX 2015 Signed a Contract with Ally bank with a co-signer that they requested loan was approved the dealer for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Never came back and discussed the terms of the loan He Just stated that the Loan was approved This Bank wasn't going to give me a loan for a car that was worth XXXX Used but they approved a loan for XXXX for 72 Months if I was told that I would be paying almost XXXX for a used car NO DAWM DEAL I would have just walk to work The Bank and the dealer took Advantage of myself and my co-signer because if I was unable to pay the Bank would have REPOSSESSED OR MADE THE CO-SIGNER RESPONSIBLE and Damaged me forever IF THIS IS NOT UNFAIR THEN WHAT IS DON'T LET THIS HAPPEN TOO YOU DON'T SIGN ANTHING THIS TAUGHT ME A XXXX DOLLAR LESSON WOW
Product: Credit card or prepaid card

On XX/XX/2020 there was a card to bank transfer for XXXX says XXXX XXXX personal checking ach ... .. then I called them and told them to cancel that because I wasnt sure why it happened although I did make an attempt to transfer money around that time. They said ok and did they also issued me a new card. 

On XX/XX/2020 I got messages stating It was canceled or reversed and credited to my acount. 

On XX/XX/2020 I got another message stating the reversal was canceled. 

On some of the messages it says... .original transaction I'd is XXXX ... on another it says XXXX... I dont know if that's relevant. 

I called again and asked what happened they said they couldn't stop the transfer and couldn't refund it. I asked them for the information on were the money was transferred to but they didnt give it to me. They told me I needed to do it myself or something because it went into my account. They said they would send me a statement or information. But I never got it. I called meny times. Asked meny times they still havent helped me find were the money went. 

My email is XXXX And my phone num. Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX  pa. XXXX Please help me find the money
Product: Checking or savings account

XX/XX/19 XXXX i had returned the merchandise and they never sent me the exchange as well or a refund
Product: Debt collection

For the last 6-8 months I have been in communication with Equifax and XXXX about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked Equifax countless times to block and remove the accounts due to identity theft. Equifax did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the XXXX tracking states that it was delivered or signed off on. Equifax and XXXX within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or XXXX XXXX credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my Equifax and XXXX credit report showing the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also asked company to remove the negative remarks that inpack my credit and fix accuracy. The accounts referenced above Equifax refuses to delete from my credit and XXXX. It seems that Equifax and XXXX doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for Equifax to present documents that show the verification process for these accounts. No correspondence from Equifax even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX - XX/XX/year> and XXXX XXXX XXXX XXXX - XX/XX/year>. I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletions. Thank you for your time and attention to this matter.