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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent Accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Equifax asking them send me documents that the company uses to verified accounts listed on my credit report per the Fair Credit Act, 15 U.S.C. 1681g. In response to my letter, I was sent a letter on XX/XX/2019 stating that my account was not found and to send verification such an ID SS card or a bill. This letter was an attempt to stop me for receiving and documents that I was entitled to, due to the fact that my credit account was updated the month prior for my name and address and my ID with my SS Card was included. I called the company on XX/XX/XXXX or XX/XX/XXXX after receiving the letter. My account was verified at the beginning of the call. Next I gave the representative the reference number that was given to me by the company verifying that the company had updated my account on XX/XX/2019, with this previous dispute I sent along with a photo ID an SS Card. At this point I have verified that my account x2. I was told after verifying my account that I will have to send my identification again. I spoke to the manager that comfirmed for the 3rd time that they do have my account, a copy of my ID and SS card and still need this information to find my account. I stated to the rep that you have my indentification on file, in which he agreed that that my identification was on file but stated I still needed to send this information an that it is policy for the company. I requested that in writing and was told there is nothing in writing. After the conversation and as of today I did not receive a report status, documentations verifyiing my account, nor the policy stating I had to send my identification after my account was verified. It has been well over 60 days.
Product: Student loan

I am writing to submit a formal complaint regarding my student loans, which are currently impacting my credit report. Despite having applied for student loan forgiveness and meeting the necessary criteria, my loans were recently transferred to a new servicer, and I am now facing difficulties that I can not afford to resolve. Initially, my loans were marked for forgiveness by my previous loan servicer, and I was under the understanding that they would be discharged and removed from my credit record. However, after the loan was transferred, the new servicer has not honored the forgiveness agreement, and the loans have reappeared on my credit report. 

Given my financial situation, I am unable to afford the repayments on these loans. The student loan forgiveness program was my last viable option for resolving this debt, and it was my understanding that my loans would be forgiven and removed from my credit record. I am now facing undue stress and financial hardship as I continue to be held responsible for a debt that should have been discharged. It is causing significant harm to my financial well-being and preventing me from moving forward in rebuilding my credit.
Product: Student loan

FedLoan servicing consolidated two federal loans with out my authorization or signing of master promissory note with them then I contacted them in XXXX of XXXX  to get the loan with them unconsolidated and they were unhelpful in gettin it done. After I secured a new consolidated loan with a different company in XXXX. They received a payoff check from the new company and then sent my loans back to XXXX where they should have stayed. After I received calls from XXXX about having a loan amount with them. I called FedLoan asking how they transferred a loan back with no money owed. They told me that they finally unconsolidated my loan. When I asked them about the pay off check they had no answers. I was able to get an answer after multiple calls and countless hours on hold saying I now need to contact the IRS to find out the status of the payoff check. This check is needed urgently to send to XXXX so I am only paying one loan the correct one and not two different ones to my new company and XXXX. FedLoan employees have not been professional during the calls, rude and unable to give answered to questions.
Product: Credit reporting or other personal consumer reports

There is 31 inquiries on my credit report where there was no service rendered or contracts made. 
I am asking that they be removed because they are hurting my credit score for a service I never received. 
Under the federal trade Consumer Bill of Rights President John F. Kennedy introduced this concept in 1962 to promote four basic rights for consumers : The right to safety The right to be informed The right to choose The right to be heard Federal Trade Commission Act This act gives the Federal Trade Commission the power to : Prevent unfair or deceptive practices Seek relief for consumers who are harmed Establish rules to prevent unfair or deceptive
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus 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 COMPLAINT #, and I'm including it again. 
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: Checking or savings account

I had a Citibank account in XXXX fave Citi account number and copy of deposited check with my account number. Citi keeps saying they cant find ut. I have been asking for statements since closed years ago.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX account # XXXX, account # XXXX, has violated my rights. 

15 usc 1681 section 602 states that i have a rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXXXXXX Date opened XX/XX/ 2022 Balance : {$76000.00}
Product: Student loan

Navient maliciously does not allow you to pay off higher interest loans, even after bringing it to their attention. I called customer service after trying to pay off a 6.5 % loan and the customer service rep said " let me log into your account, it should allow us to choose which loan you would like to pay off. '' After he logged in he found the EXACT same thing as me, it automatically applies the payment to the lowest interest rate loan. All he could say to me was " that is really weird, it wont let me either but it should. Give me 24 hours XXXX and we will have it rectified. '' Well, I gave them more than a week and the website still does not allow you to choose which loans you want to pay off. With XXXX Americans in default you would think the US Govt would want people like myself trying to pay off their debt EARLY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the following charge-off entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inaccurate and violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I demand an immediate investigation and correction of these inaccuracies to ensure compliance with federal law. 

Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to conduct a reasonable reinvestigation of any disputed information within 30 days. Failure to do so is a violation of federal law.

15 U.S. Code 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The reporting of these inaccurate charge-offs violates this provision. 



2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692g : Debt collectors must validate any debt upon request. If a charge-off can not be validated, it is unlawful for the creditor or debt collector to continue reporting the account.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1635 : Creditors must provide accurate and fair disclosures related to the terms and validity of debts. Reporting charge-offs without proper documentation may constitute a violation of this statute.

Damages and Remedies If these inaccuracies are not corrected promptly, I reserve the right to pursue legal remedies under the FCRA and FDCPA, including : Statutory damages of up to {$1000.00} per violation.

Actual damages caused by these inaccuracies, such as increased interest rates, credit denials, or emotional distress.

Punitive damages for willful noncompliance with federal statutes.

Recovery of legal fees and associated costs.

Action Requested I demand the following actions : 1. Conduct a thorough investigation of these accounts to verify their accuracy.

2. Remove the inaccurate charge-off entries from my credit report immediately.

3. Provide a written statement confirming the removal or correction of these entries within 30 days, as required under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

Next Steps Failure to comply with these demands will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. Additionally, I will consult legal counsel to pursue remedies under federal law for the harm caused by these inaccuracies. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Capital One with a XXXX expiration date. I contacted them on XX/XX/XXXX to ensure the card is still active. I was advised that they had cancelled the card effective XX/XX/XXXX. They claim to have sent me 2 notifications by mail, which I never received. They have a valid e-mail address for me and had sent me other notifications via that method yet opted to communicate only through mail. As the card was cancelled without my authorization, but theirs due to their perceived lack of usage, I lost rewards dollars of approximately {$61.00}. They claim there is no way to credit me that amount in any form as the account is closed. I find this hard to believe as they would have the ability to lace a credit on the account should I get a new card ( which is foolish as they should never have cancelled my card in the first place ). They also had the arrogance to tell me I need to contact them when I do not use their card so they can indicate this in my file. I did not realize that I work for them. With a deposit account, my balance would be escheated to the state and I would have an opportunity to claim it, but with their rewards program they get to keep that money which I earned through using their card. Further, the reason for obtaining their card in the first place was the rewards program. All communication except the final denial was verbal.
Product: Mortgage

We got a letter from PHH loan servicing that as of XX/XX/XXXX, they are no longer accepting payments for our loan. We received this letter late in XXXX. We tried to access the account on the new loan servicers website after we got paid XX/XX/XXXX to make our mortgage payment. We could not access the new website to view our loan. We went to PHH where we were able to access the loan but could not pay it. We called the new mortgage company and were told that they do not have any record of the loan being transferred over & no account number is showing. It is now XX/XX/XXXX and we can not make the mortgage payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  Balance : {$0.00}.
Product: Credit reporting, credit repair services, 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. 

1. Account : XXXX XXXX XXXX Serviced By XXXX XXXX XXXX XXXX XXXX has violated my rights. 

2. Account : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 604. 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 in accurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Checking or savings account

I participated 360 Capital One {$200.00} Money Market Account Bonus promotion. I opened a 360 money market account with the promo code XXXX and deposited {$10000.00} into my account on XX/XX/XXXX. The terms of the promotion was to deposit XXXX by XX/XX/XXXX. I have not received the {$200.00} bonus as promised.
Product: Debt collection

RMP SERVICES LLC wrongfully reported debt on my credit report. 

XXXX, XXXX wrongfully reported debt on my credit report. 

XXXX  XXXX XXXX sold the debt to Another creditor and still reports the debt on my credit report. 

XXXX a company notoriously known for deceptive practices continues to report negative information on my credit despot multiple attempts to request that it be removed. 

I reported all of these disputes to XXXX and it continues to report these debts on my account. None of these debts listed above do I have any agreement to pay.
Product: Credit card or prepaid card

A couple months ago I signed up for the Amex Premier Rewards Gold card with an offer for XXXX after spending {$2000.00}. I met the spend and the points were awarded in pending status. There was a return on one of the purchases and the bonus was taken away which I understand since I had not met the spend. 

Eventually I met the spend again, received confirmation ( see attached email from Amex ), and the points were awarded. A few days ago I wanted to transfer the XXXX points that I currently have and I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I chatted with customer service and I was told that I needed to wait until the review was over to have access to my points again. I also called the Membership Rewards department and the person confirmed that my account was in good standing but my points were subject to this review and it could take up to 8 weeks for Amex to unfreeze them.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request an investigation into XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), regarding the accuracy of information reported on my credit file and 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) B and C XXXX is reporting inaccurately on my credit report, which has negatively impacted my credit standing. Under 1681e ( b ) of the FCRA, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy in the information they provide. However, XXXX has failed to uphold this legal standard, They are reporting a repossession 3 extra times on Experian XXXX and XXXX. My vehicle was repossessed in XXXX of 2024 but they are reporting it had a repossession in XXXX, XXXX and XXXX which is impossible. Also they have failed to provide me with the option to opt out of such reporting, as required by 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Option B : A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given the opportunity to opt-out before such disclosure. 
Option C : The consumer must be provided with clear instructions on how to exercise this opt-out option. 
I have reached out to them to remove this information from my credit report and they have yet to have this information removed and despite my previous disputes, Under FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ), they are required to block or remove any unauthorized reporting within four ( 4 ) business days of receiving sufficient notification I request that the CFPB investigate this matter and direct XXXX to remove the inaccurate information from my credit report immediately. I have enclosed copies of my credit report, dispute letters, and any supporting documentation that proves the inaccuracy of their reporting. 
This inaccurate reporting has caused me financial harm, including difficulties obtaining credit, higher interest rates, and damage to my credit score. 
I appreciate your prompt attention to this matter. Please provide me with a response regarding the status of my complaint and the actions taken to correct this violation.
Product: Mortgage

On XX/XX/XXXX we decided to pay off our mortgage loan with BMO Bank formerly known as Bank of the West. I called the BMO Bank in XXXX, Iowa for the payoff amount. The clerk called BMO and was given the amount and she called me with that amount. I took that amount and deposited it into our checking acoount which they were to withdraw the entire amount from there to pay it off. I was informed that it would be taken care of. Two weeks later I went over and closed my checking account since everything was paid off. The clerk said everything looked like it was all paid and therefore checking account did not need to be left open anymore, and she refunded the money to me that was left in that account. 

I then received a statement stating I owed {$93.00}. I called the XXXX branch and they was going to check on it and get back to to me but never did. They had access to withdraw the entire amount like they was instructed to, now they are saying I owe this plus NSF charge because account was closed. I don't feel I should have to pay this, they were to take the entire balance out at that time and it's not my fault they didn't. Please advise
Product: Debt collection

refer to the attached letter, the company american first finance, sent me a letter saying an automatic withdraw was going to occur against me. Now none of the info other then the name and address is correct. 
Debit card isn't mine, the amount of the debt is not listed, the account number not listed, they do not have my email, and didn't have a proper number for me until i called them. 
They are not accredited with the bbb, they do not have a business license that shows up. 
When I contacted them they only fished for my information and would not tell me anything about the supposed debt.
Product: Checking or savings account

On XXXX XX/XX/2021, I attempted to close my account with Bank of the West. I had a checking and savings account. I physically went into a branch ( located at XXXX XXXX XXXX, XXXX, CO XXXX ) and asked the bank teller to take out all of the money of my checking and savings account. I received cash in the total of the two accounts. I asked for my accounts to be closed again. I received confirmation that this would occur. On XXXX XX/XX/2021, I received a statement and logged in to my online account. There, I received a fee of {$15.00}. I called Bank of the West to resolve this issue, but they were unable to do so, insisting that I overdrew my account ( because of the fee for not having sufficient funds, when I should not have had an account open with them ) and refusing to close my account until I paid the balance in full.
Product: Debt collection

I have tried to communicate with USCB America for the past 8 months in regards to an account ( XXXX ) they have placed on my credit which is totally false. 

The original creditor is XXXX. I have always been insured without any interruptions or slow pays and I actually have worked for XXXX as a nurse for the past 7 years. 

The account is totally bogus. I have sent them several notices in the mail and they have not responded to any of them. However the account remains on my credit and they have responded to the credit bureaus and not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Because of the identity theft I ordered my XXXX  report and found the following inquiries that were not authorized by me : Synchrony Bank XX/XX/2018