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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized accounts removed. 
The accounts in question are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$3500.00} XXXX. XXXX XXXXXXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$11000.00} XXXX. XXXX XXXXXXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXXXXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$1000.00} XXXX. XXXX XXXX XXXX XXXX  - Account : XXXX - Date : XX/XX/XXXX - Amount : {$650.00} XXXX. XXXXXXXX XXXX XXXXXXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2900.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$210.00} XXXX. XXXX XXXX - Account : XXXX - Date : XX/XX/XXXX - Amount : {$2700.00}
Product: Student loan

In 2005, I refinanced my student loan through XXXX XXXX to a 15-year term. I have made consistent payments and I kept my account when XXXX XXXX split off into Navient. Yesterday, I received notice from Navient that the balance on my loan had been re-amortized for an additional 8 years. I immediately called Navient. The representative stated that new federal regulations required that the loan be extended, and that they just had not had the time to notify all of its consumers. Is this true? Are there new federal regulations that restrict the repayment terms of a federal student loan? Can Navient restructure my loan terms without my consent?
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNT ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT, I HAVE FILED A POLICE REPORT AND A FTC REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is inaccurately reporting incorrect and updated increasing balances on a account that is closed and dated over XXXX XXXX XXXX. This is negatively affecting my credit rating and i demand the accounts be removed with urgency as my rights state in FCRA.
Product: Checking or savings account

I had an account with Navy Federal and opened a companion account for my daughter who was underage at the time. I basically used that account to send her money. When she became of age and went to college, she started working as well. She used her account as her primary account and had her checks direct deposited into the account. In 2016 someone got a check from someone and deposited the check through the ATM. At this point, the manager of the XXXX branch claimed she came in to the branch and got cash from the check. How this happened, I to this day do not understand when you need ID to cash a check. The amount was over {$2000.00} and my daughter did not have that amount in her account. I tried to fight this, but the branch manager stated that he called my daughter and she said that she did this and she accepted responsibility for the debt. This was a lie, because my daughter was in North Carolina at that time with me. After this, I was upset, but I didn't close my account because it was the only bank account that I had. About 1 year later, my paycheck was deposited into my account and it was confiscated by the bank. When I called to find out what was going on, I was told that because my daughter didn't pay the debt, they were taking my money to pay this debt. I had no prior knowledge of them doing this and had to call them to find out that it had even happened. After this, I stopped my direct deposit and let the account close. My daughter filed for bankruptcy and had the debt charged off. After her bankruptcy, I contacted Navy Federal again and was allowed to open another account. After depositing money into the account, I was trying to use the funds in my account and was unable to do so. I had to contact them to find out that they had placed restrictions on my account again without notifying me. I was told that because my daughter filed for bankruptcy and discharged the debt, that I was still liable for the debt plus interest and it didn't take into account the money that they took from me before.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX/XXXX  XXXX XXXX/DEPT OF ED  XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

at the end of XXXX of XXXX early XXXX of XXXX Capital One closed abruptly without explanation nor cause by means of violations from I. 
I have detailed the situation as it has played out from my experience. I am trying to find resolution and remedy for the blatant discrimination and adverse action taken by Capital One and allowing them to find a solution for this matter so that Litigation in Federal Court will not be an expense of time and effort and financial resources both sides will need to dispense with.
Product: Credit card

on XX/XX/year> I received an alert from XXXX XXXX that there was a new hard inquiry with XXXX and XXXX from Capital One. I did not apply for anything with Capital One. I also received 2 email from Capital One - 1 ) success! updated phone numbers and 2 ) you are approved for Capital One Quicksilver credit card with credit limit {$7000.00}. 
I immediately contacted Capital One and they advised me the credit card application was completed today, XX/XX/year>. I informed them it was NOT me and it should be investigated as fraud. the representative informed me a fraud complaint will be filed and the issue will be investigated. i provided all of my contact information. i am concerned i am a victim of identify fraud. 
I have placed freezes on all 3 credit bureau reports. 
XXXX informed me I need FTC report to submit in dispute of the hard inquiry - when I went to XXXX XXXX XXXX/ it redirected me to CFPB due to it being a credit card/credit report issue. Can CFPB provide me a report that I can submit to XXXX to dispute the hard inquiry and protect my credit score?
Product: Credit reporting or other personal consumer reports

This notice is regarding a secured card account that was opened on ( XX/XX/22 ) that SELF FINANCIAL/LEAD XXXX  reported to the consumer reporting agencies with my information with a current balance of {$130.00} owed. I am requesting SELF FINANCIAL/LEAD XXXX  to remove all XXXX late transactions that was reported after I pay off the full balance owed that is past due on this account. If SELF FINANCIAL/LEAD XXXX will remove all the late transactions reported in this account, I wont hold them liable to their violations listed below or in any of my past notices. According to the FAIR CREDIT REPORTING ACT This section of the law - 15USC1681 ( 2 ) ( a ) ( i ) ; EXCLUSIONS FROM A CONSUMER REPORT ; clearly states how my transactions or experience as a consumer to SELF FINANCIAL/LEAD XXXX are excluded from my consumer report regardless of their company policy or everyday business practices ; Furthermore, 15USC1666 ( b ) states creditors can not report a LATE PAYMENT unless they mailed a notice received by me the consumer containing information from 15USC 1637 ( B ), 21 days before the late payment was reported.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Absolute Resolutions Investments , LLC filed a case against me in the XXXX XXXX XXXX XXXX, seeking to recover an alleged debt. However, the case was dismissed without prejudice on XX/XX/year>, because they could not prove I owed the debt. Despite the dismissal, Absolute Resolutions continued to report this invalid debt to the major credit bureaus, negatively impacting my credit report. 

On XX/XX/year>, I sent Absolute Resolutions a debt validation and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), formally disputing the debt and requesting validation. I also requested that they stop reporting the debt to the credit bureaus until the matter was validated, as required by law. However, Absolute Resolutions has failed to respond to my validation request, and the negative item remains on my credit reports. 

This inaccurate reporting has caused significant harm to my credit score and my ability to obtain credit for both personal and business purposes. I have been denied credit, and the negative mark continues to harm my financial reputation. I am requesting that Absolute Resolutions :
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the practices of the following companies on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding the inaccurate reporting of my credit information, which I believe to be in violation of both Law 605 ( b ) and the Fair Credit Reporting Act ( USC 1681 ).

According to Law 605 ( b ), a consumer reporting agency must ensure maximum possible accuracy in the information it reports. However, the information reported by the credit bureaus is not only inaccurate but also misleading, causing significant harm to my credit standing and financial well-being. Despite my repeated attempts to rectify this issue directly with the bureaus, they have failed to respond adequately, which is unacceptable.

Furthermore, USC 1681 outlines the responsibilities of credit reporting agencies to conduct reasonable investigations into disputes. It is clear that the bureaus have not adhered to these requirements, as they have neglected to provide evidence to support the claims, nor have they updated or corrected the erroneous information in a timely manner. 

I would like the CFPB to investigate this matter thoroughly and hold the bureaus accountable for blatant disregard of consumer rights and failure to comply with federal regulations and doing a proper investigation. I am prepared to escalate this issue further, including potential legal action, if this matter is not resolved promptly. 


I would like a prompt acknowledgment of this letter and a detailed explanation of the actions the CFPB will take regarding this issue. Please consider this matter urgent, as continued inaccuracies in my credit report will only exacerbate the situation. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Student loan

My student loan was sold from XXXX XXXX to Firstmark. I was told nothing would change. However, it has now been noted that was supposed to take 7 years to pay will now take XXXX, on an approximate {$7000.00} student loan. The interest rate is now variable. The amount of the payment has gone up and even with paying extra every month pretty much nothing goes to principal. I understand its a business, but thats predatory. Ive asked about the original loan paperwork and have heard nothing. Reached out to XXXX XXXX, but they no longer have anything since that service is long gone and my loan is from 2010. When I try to get more information and work with them they say you can only refinance, which is crazy since the balance is about {$2000.00} more than the original, or go on deferment where interest is still being charged with that variable interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a balance of {$920.00} from XXXX XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account Per section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy or the original creditors documentation, Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received an investigation results.
Product: Debt collection

Target card services has been reported on my credit report since 2018 ( I think ). I never opened the account that I am aware off. I spoke to XXXX  who advised me to send target card services a handwritten letter ( which I did ) I asked for a copy of the contract and statements leading up to the balance owed. I have yet to receive this and they continue to negatively impact my credit. I spoke to Target card services a few times and they stated they received my hand written letter and are investigating the account. When I called this morning Target claims they dont see my hand written letter of dispute. I want this off my credit report until I receive validation of this account ( specifically a copy of the contract and statements )
Product: Prepaid card

rush card has failed to load a direct deposit loan from my XXXX. 
Issue has been ongoing about a week now.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis, AND XXXX XXXX XXXX AND CRIMINAL HISTORY IS INACCURATELY REPORTING IN MY GOOD NAME WITH SAID ABOVE COMPANIES. 
DUE TO ID THEFT AND FRAUDULENT ADDRESSES WHERE I NEVER LIVED. 
PLEASE SEE THE ( FTC ) REPORT ATTACHED FOR ADDRESSES, IN THE JURISDICTION OF XXXX XXXX ILLINOIS.
Product: Credit card or prepaid card

Today ( XX/XX/XXXX ) I was contacted by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH, XXXX, XXXX ) who were attempting to secure an overdue payment for a Visa card that I had no knowledge of. This card was opened on XX/XX/XXXX by an unknown party and a balance accrued of {$10000.00} as of today. The card was opened by this bank without proper verification of identity resulting in fraud, both by the party opening the account and this bank. I have notified Comenity Bank ( Fraud department ) and they stated ( by phone ) that the account would be closed today for new transactions, and that an investigator would contact me to resolve this within 90 days. I have notified XXXX XXXX and XXXX  of this identity theft. 

My credit score has been compromised by this negligence on behalf of Comenity Bank as they failed to accurately verify the identity and personal information of the individual to whom they issued a credit card. My responsibility for charges made by the party issued the card remains uncertain. I live on the East Coast, the card was issued in XXXX XXXX and travel has not been possible during this time due to the Covid Pandemic. I have not left New England since XXXX.
Product: Debt collection

I'm writing to you out of pure frustration and desperation. I am in the process of purchasing a home and your company is reporting inaccurate information on my credit report. I have sent your company multiple dispute letters stating that this information is inaccurate, to no avail. Each time Experian has said the company that provided them with the information has verified the data. Even though XXXX has sent me proof they told you guys to delete it ( attached ) I have also sent your company several requests asking for the method of verification and the name of the person that provided the verification and they have ignored each of my requests. 
The account in question is XXXX XXXX  XXXX and XXXX are not reporting this account and I have attached those reports to this email as well. Experian continues to report on my credit report that this account is closed and that this account has multiple late payments when in fact, this is false and inaccurate information.I contacted XXXX Associates and spoke with the supervisor that I worked with previously to handle this account and he stated that no one from your company has ever contacted them to conduct an investigation or requested verification of the status of the account. How did Experian verify that this account has a closed status and/or any late payments? It clearly has not been verified and this account should be deleted immediately, as previously requested I am reaching out to you, as CEO to ensure that this is done. Otherwise, my next step will be to sue Experian for multiple FCRA violations. If an immediate resolution to this issue is not made within the next 14 days, I am also preparing to file a claim with the MO Attorney General 's office. 
Your immediate attention to this matter would be greatly appreciated. 
Thanking you in advance,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a rejection letter from my bank ( truist ) stating i was unable to co-sign a XXXX dollar loan for a family.The letter stated the following reasons : Delinquent credit, Foreclosure.I was never on a loan of another person, my mother passed away and the bank Suncoast schools credit union took back her condo. I had no financial responsibility to her loan and was not on the loan. I have perfect credit, never late and paid off XXXX homes years early.
Product: Credit reporting or other personal consumer reports

Derogatory pymt reporting on XXXX XXXX and XXXX XXXX. Payments sent on time. Due to unknown payment increase, Citizens returned a Bank check and I was forced to receive it and get it reissued. I sent several excess payments between XXXX XXXX, exceeding new payment. Coincidentally, I was never late the exact year before of XXXX, XXXX. Loan had just been established XXXX, XXXX. Below are the incorrect reporting. 

Your Dispute Results Investigation Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX Consumer Relations Your Investigation Results INVESTIGATION RESULTS- DISPUTED INFORMATION UPDATED and OTHER INFORMATION UPDATED : A change was made to the item ( s ) based on your dispute and other information has also changed.

We investigated the information you disputed and updated : Date Updated. Here is how this item appears on your credit report following our investigation. 

CITIZENS ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Details Account Details Payment Status Pay Status Current ; Paid or Paying as Agreed Terms {$830.00} per month, paid Monthly for XXXX  months Mortgage Info XXXX XXXX ID XXXX XXXX Acct # XXXX Last Payment Date XXXX. Again incorrect. Citizens is setup as auto send payment by my bank to be received by XXXX of each month. 
Payment History Rating XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXUnknown ( unknown payment increase ) in XXXX XXXX. Bank check returned to me by Citizens. Forcing me to return check to XXXX and requesting reissuance. I began making payment increase and excess payments to avoid negative reporting. Because of overpayment, Citizens refunded me XXXX XXXX in XXXX, XXXX. 
XXXX XXXXCurrent XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXX-Current XXXX XXXXCurrent XXXX XXXX XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX-Current XXXX XXXX Unknown- No late payment. Loan just established XXXX XXXXFirst payment due in XXXX, XXXX. Incorrect reporting. 
XXXX XXXXCurrent XXXX XXXX-Current
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter stating that based ON Transunion erroneous reporting refer to my previous complaint about Transunion reporting incorrectly debts and deliquencies as NEW debts even though they are at least 6 years old! My credit is was reduced by XXXX as delinquent and lack of my ability purchase a home! This is unfair and unwarranted! I cant keep being subject to XXXX discrimination!! This has to stop
Product: Credit reporting or other personal consumer reports

On XX/XX/year> after being denied for an extension of credit I was notified that a consumer report was being furnished by Lexis Nexis reporting false, inaccurate, incomplete and unverifiable information regarding a public record. After reviewing the report I discovered numerous inaccuracies that defamed my character and violated my privacy. There were two different names being reported, There were 7 different addresses that I never lived in or received mail to being reported, there were 5 different phone numbers that never belonged to me and there was a public record regarding an alleged bankruptcy which also didn't belong to me. I then wrote a letter demanding an investigation and informing lexis nexis that my rights were being violated and my letter was ignored. After I made numerous attempts to get the information removed and Lexis Nexis claimed it was verified I then requested the method of verification and was told that the Bankruptcy court was the furnisher of the public record. I contacted the Bankruptcy court and was informed that they don't share bankruptcy information to consumer reporting agencies and provided the proof to lexis nexis and was once again ignored. At this point I am out of options and I make my final attempt to resolve this before filling a complaint in the southern district of New York against Lexis Nexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a factual dispute, based on information contained in my XXXX and Experian credit reports. 

The entities are required to conduct independent investigations that would correct, update or delete based on the investigation. I also repeatedly asked XXXX XXXX to remit correct and complete payment history. They have not responded to my request. 

None of these business honored my requests. In fact, my dispute request has been sent back as verified and " updated '' with the same inaccurate missing information. 

The missing payment history has created a situation whereby the account has a complete negative status, therefore significantly reducing my credit score for years. 

I do not understand why the credit bureaus and XXXX believe that, after a consumer lawfully disputes inaccurate information, it is within their right to maintain the inaccuracy noting it as " verified '' and " updated ''.