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

To Whom It May Concern XXXX  XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Todays Date : XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I 've been victim of credit card fraud and identity theft. I call Citi about my credit card and they treat me rudely every time I call them. They wo n't help me at all and I feel discriminated because XXXX is n't that good. Worst customer service I have ever encountered. I am a victim but they do n't help me. I do n't feel like paying them after being treated like a second-class citizen.
Product: Checking or savings account

I sent two separate ACH contributions to my XXXX XX/XX/XXXXin the amount of {$8000.00} each on XX/XX/XXXX, totaling {$16000.00}. Immediately after submitting the contributions I discovered that I was not legally able to submit any funds to my XXXXXX/XX/XXXX for XXXX and XXXX and contacted Discover to see if the transactions could be stopped but was told that they couldn't. I advised Discover that these payments were considered excess contributions and was told by a Discover agent to submit two separate "XX/XX/XXXXDistribution Form for Traditional, XXXX, and XX/XX/XXXX '' forms and to complete the " Correction of Excess Contribution for Tax Year '' section of the form for XXXX and XXXX. I was told that after the funds posted that I would immediately be sent the {$16000.00}. I was told this by at least two different agents. On XX/XX/XXXX I received a phone call from another agent who told me that Discover wouldn't be able to return my funds for 60 days and that they would not honor my requests to return the excess funds until the 61st day after the deposits were made. The person I spoke to made it sound like it was a government rule but after doing some research I discovered that there was no such rule. I contacted Discover again and asked for the IRS rule that says that they couldn't return my funds for 60 days and was told that it wasn't due to a government rule but it was their policy. When I asked for them to send me the exact policy or where I can find it to read it for myself, I was given some vague reference to their deposit agreement that was available on their website but when I read the agreement it is silent on an policy that says that they can keep my funds for 60 days. If I ask for my money back they have no right to keep it if the funds have been validated and are legitimate. I want my money now.
Product: Student loan

I am currently in XXXX so my loans are in repayment. I have both federal and private loans I 'm trying to get ahead and have been putting any extra money towards my loans. AES manages my XXXX private loans. While examining their payment history tab I 've discovered that all my payments have been going towards interest. As you know interest payments are useless. It 's principle payments that help get the balance down on loans and save you interest. In the payment screen there is no option to direct your payment whether it be interest, principle, or mix. The only option is to direct which loan you want the payment to go. I feel like I 've wasted my hard-earned money. This loan servicing company should allow you to decide how you want YOUR payments handled.
Product: Credit card or prepaid card

For several days, I have attempted to make a payment for a statement balance on my Citibank/AAdvantage Mastercard. Every time I have tried to make this payment on the Citibank website, it refuses to process the payment saying the payment is " out of the allowable date range, '' even though my statement is currently due. ( A screenshot of the error message and overall problem is attached to this complaint. ) Yesterday, I engaged in a text chat with a Citibank representative in an attempt to resolve the situation, but they could not correct it. I have also tried to call several times, but have given up due to excessive wait times. 

I would like Citibank to remedy this problem as soon as possible, and in no event later than my payment due date.
Product: Credit reporting

I have my credit frozen with XXXX and Equifax. I havesubmitted all information they have requested to unfreeze mycredit per their website. I have lost my XXXX digit pin numberthey require which is why I have to send everything in themail they request as proof of identity. I receive nothing backsaying why they have not unfroze my credit and thereforeI ca n't get a loan currently. You ca n't talk to anyone on thephone because they just direct you to the website with theinstructions to follow to send everthing snail mail to get itunfroze. Help on this matter would be greatly appreciated as Ido n't know what else to do at this point.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balanced {$89.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX Balanced {$0.00}
Product: Credit reporting

I have been working with Experian for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Experian? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Experian? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me. I also see they added a collection from XXXX that doesnt seem to be on any of the other bureau so I am surprised that this is on here at all. There is no evidence of past due history or proof of sale or anything ... .I dont know where this came from at all! I really need some help here.
Product: Vehicle loan or lease

I moved to a different state and also needed to change my last name. I faxed over the information to this company as well as mailed it. I have lost count the amount of times I have faxed over this information to them. This is personal, sensitive information being lost. I have emailed, chatted and have had numerous calls with them where they keep HANGING UP and disconnecting my chat. I can not get any answers or resolutions. This issue has caused me to be months past my registration renewal date. I have gone to the dmv and they said it is completely up to my loan company to do this and that they can not help me until they send over the information. I feel like I am being held XXXX. This is a simple request that for some reason they refuse to complete or take any accountability on their horrible customer service.
Product: Student loan

Navient violated the Consumer Financial Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. In addition to its unlawful steering activities, the CFPB alleges Navient harmed student loan borrowers by : Misleading myself and my mother who is the co signer about income-driven repayment plans : Navient failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. 
My loans have had varying interest rates and monthly payments. 

I was told my mom could be released which was a lie. I was deceived about Navients requirements for cosigner release : Navient made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But Navient did not honor those representations for some borrowers.
Product: Credit reporting or other personal consumer reports

I dispute an American Express account that is reporting inaccurate information on my consumer reports I ask for an reinvestigation But fail to correct the information on 3 all credit bureaus Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information, such as American Express , are required to ensure the accuracy of the data they report. Furthermore, under 15 U.S.C. 1681i, credit reporting agencies are obligated to conduct a reasonable reinvestigation of disputed information. I respectfully request that the CFPB investigate this matter and ensure that American Express fulfills its legal obligation to report accurate information. I also request that the inaccurate information be removed immediately to reflect the truth of my credit history.i circle all the dates that is not accurate and also upload a copy of the report and highlight the information that not accurate
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 i have wired XXXX XXXX dollars to a chase account from a XXXX account in XXXX, i have provided all details needed for the transaction, XXXX of them was the account name. It was supposed to a company, but looks like the account is not at the company name. XXXX hours after the transfer i have filled a complaint with XXXX, i figured out it was a scam. 

i have the account details and all receipts the site name is XXXXXXXX
Product: Debt collection

I signed an agreement with Comenity XXXX XXXX to pay {$4500.00} over an 18 month period with no interest charged. i understood that it needed to paid on time to not be charged interest. I then set up an online banking monthly payment plan with XXXX XXXX whete check went out 8 days to due date. 

Payments started XX/XX/XXXX with last payment set up for XX/XX/XXXX. I checked all my online payments monthly on my bank website and everything was sent in time and came out of our checking account. Our problem started when we returned home from 3 mos in XXXX  and received a bill at our XXXX  address and it looked there were missing payments. I was never told by the customer service representative that a payment in XXXX was not received. This rep then went on to give us incorrect info. 

I then realized the POffice never sent our Fl Bills, so we called back to find out exactly what was wrong and spoke to 4 different supervisors that told us to send in proof of payments from the bank and they would open a dispute. we did this and sent in checks proving that XXXX sent all payments out on time and they were cashed by comenity health plan. 

We never received the promised call backs and five times the response from their website was always the same open a dispute and send in cancelled checks and the would contact XXXX. 

Now we are receiving phone calls from their collection dept that we owe all the interest. We proved all our payments were made and sent out on time by the bank. It looks to me as if this one payment that they claim was lard in XX/XX/XXXX was sent in the same as all the others 8 days in advance and came out of my checking then. Not sure what happened. but all my payments were submitted by my bank on time. Proof was submitted by us a nx nominee we got back to me. Terrific customer service that gave me incorrect info every time I called. 

I am XXXX years old and have perfect credit and this is making me ill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy XXXX Please remove this bankruptcy from my public record
Product: Checking or savings account

I have called Capital one multiple times and sat on hold for over XXXX hours. The company asked to verify my information via Picture of Photo ID which I sent, then proceeded to keep me on hold for XXXX minutes. The company can not give me a reason or cause for my account being locked and is telling me to wait 7-10 business days to be able to access my funds. I asked them to close the account and transfer the funds to my XXXX  bank account the company told me no they can't do that. 

I requested the transcripts of the phone calls as the company states I am on a recorded line. ( This is with in my rights to do so VIA Pa state law for recorded lines ) I am furious how this is being handled as I have many different accounts with this company and there is no sympathy or compassion from them. 

Spoke with 2 supervisors and both of them told me they have no idea why my account is locked and that they are waiting on a response from " the back office '' which takes anywhere from 7-10 business days. At this current moment I will never be banking with this bank again.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX they want me to pay a debt off when all the accounts was charged off.
Product: Debt collection

sync bank was told to close account for fraud last XXXX and has closed the accounts, however, they were paid before sending me the notice over 650. They keep sending me checks for the wrong amount and continue to refuse to send payment via another means.They keep sneding me legal huff and puff but no payment whatsoever in the correct amount. 

I recieved a check close to one account and tried to cash it at three banks. sync bank dba XXXX XXXX XXXX client bounced the check. At the very least thier subsidiary, walmart, should be able to cash the check. 

I demand immeadiate payment via wire transfer.
Product: Checking or savings account

I made an account on XXXX and tried to link my XXXX XXXX  account. 
However, it shows the message that the CFPB blocked my XXXX XXXX account. 
I do n't know the reason why it is blocked. 

please help me! 

thanks,
Product: Credit reporting or other personal consumer reports

PLEASE VERIFIQUE THESE ACCOUNTS, BECAUSE THE INFORMATION IS INCORRECT, AND THESE ACCOUNTS IS NOT MINE ACCOUNTS : 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: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries were not authorized and should not be reporting.

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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: Credit reporting, credit repair services, or other personal consumer reports

The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i sent in a disputed letter to XXXX and TransUnion about an unverified account on my credit report and i have not got a response back in 30 days and they have not removed it or contacted me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX aka XXXX aka Experian ( also known as Experian Consumer Services ) permission to furnish the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed numerous CFPB complaints as well as sent Cease and Desist letters for these two accounts. They still refuse to block and remove these accounts from my credit report.