23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PMB XXXX XXXX Tx, XXXX SSN : XXXX DOB : XX/XX/XXXX Dear : XXXX XXXX XXXX XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which XXXX required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you XXXX also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard XXXX mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX business days of the written confirmation. 

Thanks in advance XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXXXXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As previously reported I requested my old addresses removed from credit report 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

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request to Remove or Block Adverse Information from Experian Credit Report Pursuant to Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to formally dispute and request the removal or blocking of adverse information from my Experian credit report under Section 605C of the Fair Credit Reporting Act ( FCRA ). As a XXXX XXXX XXXX, I am entitled to this protection, which requires Experian to remove or block adverse information within four ( 4 ) business days upon receipt of my documentation.

To support my request, I have enclosed the following : 1. A self-attestation letter, signed by a government Ant
i-XXXX XXXX XXXX, confirming that I am a XXXX XXXX XXXX 
2. A copy of my government-issued identification documents to verify my identity.

3. A letter explaining the specific adverse information on my XXXX credit report that is the subject of this request. 

As per Section 605C, XXXX XXXX XXXX are not required to provide evidence beyond a self-attestation letter signed by a government entity. Experian must comply with its legal obligations and promptly remove or block the adverse information. I respectfully request that the CFPB ensure Experian processes my request and confirms the removal or blocking of the adverse information from my credit report. Please contact me at the above-listed phone number or email address if you require additional details or need clarification. Thank you for your attention to this urgent matter. I trust that you will take the necessary steps to protect my rights as a XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit card

I never have email communications only with any of my financial dealings ever. I always get statements as well. 

American Express states their policy is their policy ... ... ..... 

If an email only communication is not good enough for me, so be it. Sucks to be me ... ...... 

Or, after you reach a certain stage in your life, will all financial institutions do this email verification to make sure you are still alive because mail can be intercepted? 

They should say so if that is indeed the case. 

In this age of email scams and electronic identity theft? Seriously? 

I read mail. I would even respond to a text message telling me to contact AM EX immediately regard my credit card. That is simple as the text message is not asking any information, just to contact the card carry services of which numbers are on the cards.

I deal with so many email communications at work and at home that is minimized, that is why I do not do it at home. I get mail at my XXXX XXXX , a safe secure location. Where I get all of my other banking and credit card statements. 

And, after the end of each phone call over the past two days, the " ultimate insult ''. 

" Thank you for being a loyal customer for the past 21 years ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just trying to check my credit score with TransUnion and signed up for what I thought was a free account. They charged me {$24.00} plus {$2.00} sales tax, and enrolled me in a plan that would charge me this monthly. The charge for the plan was not prominently listed on the actual enrollment webpage. Nor was it obvious that the link I clicked from a prior page was going to enroll me in a subscription plan.
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. 


Account Name : XXXX : Account Number : XXXX Account Name : DEPTEDXXXX : Account Number XXXX Account Name : DEPT OF EDUCATIONXXXX : Account Number XXXX Account Name : XXXX XXXX : Account Number XXXX Account Name : XXXX XXXX XXXX  : Account Number XXXX Account Name : XXXX XXXX XXXX : Account Number XXXX Account Name : US DEPT OF EDXXXX : Account Number XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts in violation : XXXX XXXX number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX-acct number XXXX XXXX XXXX-No account number listed XXXX XXXX XXXX XXXX No account number listed 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 an 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: 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 to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$260.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$920.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb/bp DC ( bank ) XX/XX/XXXX Syncb/PayPal XX/XX/XXXX SYNCB/care credit XX/XX/XXXX I did not give permission or authorization them I was a victim Identity theft
Product: Checking or savings account

Sofi bank froze my account right when my XXXX direct deposit from my XXXX trading company hit my account. I have reached out countless times over the past week with no solution. They are doing this to countless individuals and I now believe this is starting to get criminal. 

- They tell me I need to call a fraud hotline which leads to a voicemail line. 

- There is zero fraud on my account and the only funds are my payroll / direct deposit from XXXX- I was told the direct deposit would be returned to XXXX which is was not - No live body that can be reached via phone will help you ; they send you to the same line which tells you to leave a voicemail- I have sent 10+ emails with zero answer - Some people are telling me they have been in this situation with SoFi Bank for over a year now!

- There are countless SoFi users online talking about the same issues. Keep in mind, these are hard working people who have bills, children, medical conditions, etc..

I don't think SoFi realizes the negative impact they are causing for their users and the hardships which are coming down on these families. 

I want my money. I want my paycheck. And I want it now. 

Somebody has to do something about what SoFi is doing to their customers and they need to do it fast before more families are affected by these criminal actions by SoFi Bank!

Please help!
Product: Credit card

I recently applied for a Chase XXXX XXXX card. In the contract, Chase stipulated that if a certain amount of money is spent within the first 90 days after account opening, then there will be a reward. This reward is XXXX of the primary factors that convinced me to apply for this card. 

However, what Chase does n't say is that " account opening '' means " the instant you are approved for the credit card ''. The 90 days begins ticking immediately, despite the fact that they have n't even sent a copy of my contract, the credit card, and I have no way to spend money. How is my account open if I do n't have a card or a number, and I ca n't spend money? 

I would argue that Chase should clarify in its contract that " account opening '' is actually " credit card approval '' and extend the rewards deadline until the date that the credit card is received in the mail or activated.
Product: Credit card

On XX/XX/year> I received an email from Apple offering me a new credit card. It stated Get a new Apple Card. Spend {$75.00}. Get {$75.00}. Its simple. Well I applied for the card through the email. I received approval immediately and the card came in the mail. I never had an Apple Card so I thought this would be easy. On XX/XX/year> I contacted customer service because I had spent over {$75.00}, but it was unclear how their cash back was rewarded. I was directed to Goldman Sachs which opened an investigation on my behalf. On XX/XX/year> I contacted Goldman Sachs again via customer service since I had not heard back. They now required that I provide proof of the promotion email which I provided to them on line while we talking. On XX/XX/year> I finally received their answer which said I did not qualify for the promotion. No explanation was provided about why I did not qualify. I feel that I was scammed, given the run around, and then denied the reward. Others need to be warned about this promotion that Apple is sending people. I made several calls and spent a lot of time talking to customer service about this problem. This was far from simple. I do not use my Apple Card today.
Product: Credit reporting or other personal consumer reports

My name is not reporting. Resolve it. I don't recall this DATE OF BIRTH being correct. Resolve it. CURRENT ADDRESS is not reporting correctly. I need action to be taken to fix the reported issue. PREVIOUS ADDRESS is not reportng correctly. It needs to be resolved quickly. I don't recall this employee being correct, The date should be 100 pecent correct and complete. ACCOUNTS : LXXXX XXXX XXXX IS INACCURATE IT DOES NOT MATCH 100 PERCENT WITH OTHER BUREAU REPORTS. INVESTIGATE AND DELETE. XXXX XXXX XXXXXXXX TRADELINE is INCORRECT. According to ftc says you must investigate. In compliance with 611 of the ( FCRA ), which requires bureaus to investigate. I sincerely appreciate your consideration of this isssue and the careful work you put into settling conflcits like this one. I'm looking forward to hearing from you as soon as possible and seeing this these errors corrected.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries on my credit report that were made without my authorization. These inquiries were not initiated or approved by me, and therefore, I request their immediate removal from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am requesting the immediate deletion of the unverified items listed below, as required under Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( 5 ) ( A ) of the FCRA. Despite three previous written requests, these items remain on my credit report without proper verification. You have not provided original documentation, such as a signed contract, to substantiate these entries. Additionally, you have failed to outline the method of verification, as required under Section 611 ( a ) ( 7 ). If these unverified items are not removed immediately, I will escalate this matter by filing a formal complaint with the Federal Trade Commission and considering legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have had numerous problems with Navient since I began repaying my student loans. Navient is my servicer for the Parent PLUS loans my mother took out to help me pay for college, so although she is the account holder, we agreed that I would be paying the loans back. It is my back account set up for auto-debit, and I have had the majority of customer service interactions with them. At every step of the process, they have made an already XXXX experience so much worse by being unreliable. They have applied payments incorrectly many times, despite written and verbal instructions on how I 'd like them applied-they have applied them to the wrong loan, or spread them out between all my loans, or even applied them to my brothers ' loans which are currently in deferment. After this happened the first time, I learned that Navient could not be trusted, and began monitoring my account very carefully, which is how I caught the other errors. Then, every time my mother or I call with a question about the account, we get a completely different answer depending on who we speak with. Every time we 've been told someone would look into something and follow up with us, no one has. A few weeks ago, I called and said that I 'd like to share the extremely frustrating experience I 'd had, and they said there was no way to do that. I asked what that meant, and they said the only way would be to file a complaint. I said I would like to do so. They then said they would look for a manager, put me on hold, came back and said no one was available. I asked if someone could call me back, they said ok and tried to hang up without taking my contact information. I provided it, but it has been several weeks and I have not heard back from anyone at Navient. I have made an enormous effort to stay ahead of my student loans by always paying on time, and making extra payments, and I can not express how disappointed and frustrated I am with Navient. I feel that they are completely incompetent, and I do not trust them with my loans or with my money.