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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Employer - XXXX XXXX Employer - XXXX XXXX Employer - XXXX  XXXX  Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXXXXXX  ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit and I noticed too many inaccurries, inconsistent, and incorrect information regarding account on my credit report at XXXX, Transunion, and XXXX  with the XXXX XXXX Account and the XXXX XXXX Account. I believe there are in violation of the FCRA because of these inaccurries, inconsistent, and incorrect information that they are reporting. I mailed a letter to all 3 XXXX, Transunion, and XXXX  about this on XX/XX/2021 and I havent received any response from them about these errors. There accounts are not 100 % accurrate, correct, and consistent with the 3 bureaus and they also are in violation of the FCRA because they have not responded to me in a timely manner. I attached all of the inaccurate, incorrect and inconsistent information on the report for the accounts listed. As a result, I mailed a demand to comply letter as well.
Product: Credit reporting or other personal consumer reports

I previously disputed this account XXXX XXXX XXXX XXXX  debt of ( XXXX ) stating : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation. Please mail me the proof of your investigation and proof that this debt collector has legal right to collect, or delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX XXXX and Especially Experian about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly
Product: Debt collection

XX/XX/2019 TCF agreed to stop collection as you can see in my cfpb account. XXXX XXXX filed derogatory report on my credit account on XX/XX/XXXX and XX/XX/2019. Please help me stop it as promised. Thanks!
Product: Credit reporting

EXPERIAN WILL NOT STOP ISSUING FRAUD ALERTS AND SECURITY ALERTS. I HAVE HAD TO CALL ALL XXXX AGENCIES AS WELL AS SMALLER ONES TO GET THIS CORRECTED BEFORE MY CREDIT EVEN GETS A CHANCE TO RECOVER FROM THEM THEY ISSUE ANOTHER AND ANOTHER- I DO NOT KNOW WHAT TO DO ANYMORE- I HAVE CONTACTED CORPORATE EXPERIAN I AM DISPUTING YOU! YOU ARE ISSUING FRAUD ALERTS OVER AND OVER ISPOKE WITH XXXX FROM EXPERIAN AND WAS ASSURED ALL WAS OK- NOW I HAVE XXXX TELLING ME YOU ISSUED A FRAUD ALERT AGAIN AND SO NOW THEY ARE TOO- DO YOU SEE THE VICIOUS CIRCLE YOU HAVE ME IN? SHE CALLED FROM XXXX AND AT XXXX THROUGH THE XXXX NUMBER I WAS LEFT A MESSAGE AND SHE HELPED ME HOWEVER I HAD TO SEND COMPLAINTS TO MANY MANY INDIVIDUALS BEFORE SHE CALLED. SHE HELPED AND BEFORE IT COULD CLEAR FROM CREDITORS SEEING IT THEY ISSUE ANOTHER XXXX. THIS HAS GOT TO STOP!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding an inaccuracy in my credit report. Despite my submitting the dispute, XXXX constantly responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them. For these similar violations, I request that the CFPB take action to ensure Equifax complies with federal laws and provides consumers with the necessary proof of investigations. 
Here are some of the accounts i was investigating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I originally opened my card in  XXXX    XXXX   and they granted me a {$1500.00} credit limit. That was very low at the time so I contacted them and asked if they could increase it. They said that I had to wait  six months and  that at that time they would review my account for an increase and most likely I would  qualify due to my high income and excellent credit. It has now been six months and I called them to increase the line and they once again refused to increase the line but did not give me a reason why. They then tried to coerce me into keeping my account for another six month s in order to potentially have the limit increased. My other credi t cards range from 10,000 to 20,000 credit limit but this card is only 1  500. Citibank lied to me   when I opened the account stating that if I kept the account f or six months that I would be eligible for a limit increase. I then told them to close my account and they transferred me from representative to representative trying to avoid closing my account. I asked them five different times to close my account and the account is still not close d. I would either like the account permanently closed or the limit increased to at least {$5000.00}. I have never been late on any of my payments, I keep my credit limit below 20 % of the limit, and I pay the card in full every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

They run my credit without my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB AUTO FINANCE BANK 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

XXXX XXXX XXXX is reporting inaccurate information to Equifax. I contacted them and they claim Equifax has all information, and has to remove the item. I explained that it was already taken cared of by XXXX XXXX and XXXX, but still showing on Equifax. Equifax online dispute site has been down and no one helps. This account is a very old account paid in full. Please remove this account from my credit report. This account is paid in full. Contact XXXX XXXX in XXXX IL. If you need verification..,, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repoting act XXXX these accounts have violated my rights. 

15 U.S.C 1681 Section A. States i have a right to privacy.

15 U.S.C 1681 section 602 section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Hi, I 'll keep the story short. It has been quite a few years since XXXX of my XXXX private loans with AES went into default. At this point and over the last several year 's I have n't even been contacted by any agencies about these defaulted loans, so I have absolutely no idea where they stand. The reason I went into default was because I exhausted my deferment and forbearance options with AES ( www.aessuccess.org ). None of AES 's repayment options worked with my living situations at the time ( since my income was extremely low ), and they would never work with me to create any other alternatives to repay back the loans ( from approx XX/XX/XXXX-XX/XX/XXXX ). They never informed me of default risks or offered any preventative measures to stay out of default ( for example, that if I event sent {$5.00} a month it would keep me out of default ). I feel like the company did a poor job assisting me, and made the process of trying to stay afloat financially in XXXX hard, or trying to pay other bills and loans impossible. I 've always felt cheated by them, and stressed at the fact that they never helped or worked with me to avoid default. Till this day I wish they helped me lower my the payments. All their repayment options did n't take into consideration all of my other student loans, so none of them would have ever worked. They never took into account expenses and other bills either. I am currently paying all of my other current private and federal loans back without any issues. It 's just that these XXXX that went into default are partially to blame due to AES 's customer service reps that I used to get frustrated with since they were hard to reach and nothing close to a service in helping me pay back loans. They gave me no opportunities, hung up on me often ( between XX/XX/XXXX-XX/XX/XXXX ), and as I exhausted my forbearance/deferments with them they twisted my arm and said their will be repercussions ( default ) if I did n't make payments, yet they never explained or assisted me in any way to stay afloat. I feel really cheated by them and it has impacted me financially ( in the long run ), and my future aspirations in life. Everything about their customer service to repayment help options have not been helpful. I really wish their service team acted more like a service and assisted me in the process a bit better so I could have avoided default.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Macy 's XXXX XXXX XXXX received payment via USPS certified Mail with tracking on XX/XX/year> and did not credit payment to the principal account nor did Macy 's XXXX XXXX XXXX continues return the payment in accordance with UCC 3-603 this means DIsCHARGE. Macy 's XXXX XXXX XXXX continues to furnish inaccurate information to third party credit agencies without due process and this action is causing me and my family great harm. after careful review of the statements I also noticed that the statement amount that Macy 's XXXX XXXX XXXX is alleging the principal owes is in a positive form which is inaccurate and needs to be corrected. If these actions are not completed upon receipt of this notice I will have to report Macy 's XXXX XXXX XXXX because I will not participate in any fraud.
Product: Credit card or prepaid card

I applied for a credit card which offered a {$100.00} statement credit after I spent {$500.00} within 90 days. In a footnote to the statement credit offer it says that I should " allow 6-8 weeks for your {$100.00} to be credited. '' I applied on XX/XX/XXXX. I spent over {$500.00} within the 90 days. I then waited about 5 weeks. When I contacted the company via email they said that the offer was not flagged on my account and since it had been over 120 days from the opening of the account, they could not now override it. ( That is a " catch-22 ''. ) I waited until XX/XX/XXXX so I would have allowed the maximum time of 8 weeks for the offer fulfillment, hoping it would happen automatically. Since it had not, I contacted them by phone. I was helped by a couple of nice people ( XXXX and XXXX ).  But when I got to XXXX, I was appalled that he blamed me for waiting too long to contact them. 

The offer code on the form I received was XXXX. I applied 10 days before the expiration date for the offer ( XX/XX/XXXX). The printed marketing offer which I received in the mail on XX/XX/XXXX has a form code XXXX and/or XX/XX/XXXX

I am looking for the {$100.00} statement credit.
Product: Debt collection

I have already reached out to the creditors regarding the validity of the debts associated with these accounts, but I received no response or verification. Upon scrutinizing my credit report, I have noticed that these accounts are being incorrectly reported as late payment accounts. I demand that you provide proof of the late payments on these accounts or, in the absence of such evidence, delete the negative payment status and remove the associated late date markings. I am writing to demand immediate rectification of grossly inaccurate information on my credit report pertaining to the following accounts : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$1200.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Failure to comply within 30 days of receiving this letter will leave me with no other option but to pursue all available legal remedies to rectify this situation. This is not a mere request ; it is a direct and forceful demand for the immediate correction of the errors on my credit report.
Product: Debt collection

After reviewing my credit report, I noticed I.C. SYSTEM, INC at, XXXX XXXX XXXX XXXX XXXX, MN XXXX, PHONE # ( XXXX ) XXXX, Has a collection account on my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it. 

In accordance with the fair credit reporting act : XXXX account # XXXX I.C. SYSTEM, INC, has violated my rights.

1

5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Mortgage

We paid off our mortgage on XX/XX/2020 and was told our escrow balance would be refunded within 10 days. 
Now they are telling me it takes 60 days because they need to verify taxes and insurance have been paid this year! Insurance is due in XXXX and taxes are due in XXXX! 
This makes zero sense.
Product: Student loan

After I graduated from the Ohio XXXX XXXX XXXX XXXX, my loans were consolidated with Navient. The original amounts were {$130000.00} and {$45000.00}. I have been paying on these loans for 20 years, total amount paid XXXX. My outstanding balance is {$180000.00}. 

I feel taken advantage of. I filed for bankruptcy in 2014 Chapter XXXX, only to be penalized for it by Navient. This is wrong. What Navient has done to me is wrong. 

I am in a repayment program, that most sees nearly half of the payment going to pay interest and not the principal. 

I would like my case added to the Class Action lawsuit against Navient, filed by multiple states. 

Thank you.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This company has threatened to garnish my wages as well as saying they will sell my information to other companies. They have sent multiple bills to different address of family members that have same last name as me that I have not spoken too. I have asked multiple times of proof, even have gotten lawyers involved so the calls and mails can stop coming in. Im not getting approved for anything as they are saying they will report this collection to any loan agency or anything to hinder me to fix my credit and get approved. This account has been opened since 2021 and since then I have been attacked with calls and bills and threats of garnish or unemployment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to these inquires
Product: Credit card or prepaid card

On XX/XX/XXXX I made an extra payment on my wells Fargo store account, when doing so it lowered my automatic payment by that amount ( I had a {$600.00} automatic payment and made an additional payment of XXXX to keep my promotional financing, but it lowered my XXXX amount ). I ended up being charged {$230.00} in interest charges and called to complain. After being on the phone for 2 hours they returned the interest and told me what to pay to fix it. I made the payment on XX/XX/XXXX and thought all was fixed. My next {$600.00} automatic payment was to come out on XX/XX/XXXX but was reduced because of the payment I was told to make on XX/XX/XXXX. So again this month I received interest charges. I called and again was on the phone for an hour. I was directed to page 2 of my bill where it said $ XXXX {$600.00} will be deducted from your account and credited as your automatic payment on XX/XX/XXXX. The automatic payment amount will be reduced by all payments posted in or before this date. I was told by the same individual that my XX/XX/XXXX payment was in the XXXX billing cycle and you could only make extra payments between the XXXX and the XXXX, however I received my bill today - XX/XX/XXXX - 6 days after that opening. The Wells Fargo team was not kind or helpful and Im stuck in a cycle of trying to stay ahead of the special financing when I was just trying to do the right thing and pay extra on my bill.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this issue in a previous letter & I am including it again. I am attaching another FTC report XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable in any willful noncompliance that will happen. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an incorrect credit report details. I do not consent to E-OSCAR or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX  at XXXX. They did a background check through a company called Sterling Talent Solutions. The report had a traffic ticket that was taken care of in XXXX. All cleared. I went on the XXXX  website to update my profile and there was a notice that my account is suspended due to a negative report. I called XXXX and they said to file a complaint, they were no help. When I was sent the report from Sterling Talent Solutions they also gave me a Summary of my rights. It says in one portion of my rights that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more that seven years old, or  bankruptcies that are more than 10 years old. '' The incident that they are reporting is over 15 years old. This has impacted my finances as I am looking for work through XXXX. I have worked as a XXXX XXXX   XXXX XXXX XXXX  and licensed in 50 states. I have never had a problem with my extensive fingerprint and background checks until now. I do need to have this rectified immediately so I can work. Sterling report ID XXXX