23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX I originally called to make a payment and while speaking with the Navient representative she gave me advice on lowering my private XXXX XXXX, not " Navient '' loans. She stated I can have them sent to be processed at interest only for 2 years taking my payment from {$650.00} to {$540.00} ( Interest only ) per month. To get started I needed to pay for a 3 month forbearance so I would n't have to make any payments until the " interest only '' request was complete in about 30 business days. According to the advocate the forbearance was also needed to protect me from accruing any late fees while the request was being processed. I concurred and paid {$150.00} for the 3 month forbearance ( XXXX-XX/XX/XXXX ) on my XXXX ( $ XXXX/loan ) private loans. The XXXX XXXX representative read me my terms and agreement stating I will have a 3 month forbearance covering XXXX then my new payments of {$540.00} will start. I thanked the caller and ended the call. On XXXX the XXXX I called XXXX XXXX to check the status of my " interest only '' request because I had n't received anything via mail updating me. I was then told, my request was denied because the loans have to be in the first 5 years of repayment and I was over those years because the loans were taken out in years XX/XX/XXXX-XX/XX/XXXX. I was also informed that my Private loans were past due. When I ask for the reason why they were past due, I was told my account was only processed for 1 month forbearance. I explained to the representative of the information I was given by the last representative who took my {$150.00} payment for 3 month forbearance and read me the terms and agreement. I was told, " Ma'am, you are only offered 12 consecutive months to do forbearance and you only had one month left. We ca n't give you what you do n't have. '' I ask the rep how I was supposed to know this information. I explained the reason for me calling Navient and speaking with was rep was to get assistance and I had confident I was being told accurate information. All I was repeatedly told was " I apologize, but we ca n't give you what you do n't have. I spoke with a supervisor who kept giving me the same information. '' I ask to file a complaint, so the supervisor promised me a call back within the next 7-14 business days once she filed my complaint. As of today, I still have not gotten a return call nor has my account been adjusted.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX multiple times to delete this medical account multiple times. As of XX/XX/year>, the CFPB made the rule that medical debts must be removed from all credit bureaus. This should be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX  Please remove it from my credit report.

3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX  Please remove it from my credit report.

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX  Please remove it from my credit report.

5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, US DEPT ED Company Inquiries : XXXX  XXXX  XXXX XXXX XXXX XXXX TRANS UNION
Product: Checking or savings account

Upon notifying cash app that I had unauthorized charges on my account they open an investigation and then closed my account with out removing my issue
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed a negative account reporting on my consumer report. I have been contacting XXXX, XXXX, or TransUnion to remove this account ( see attached ) I have not given any company, credit agency permission to report this account onto my consumer report. THIS IS ILLEGAL! I did not authorize anyone to report this account on my credit report. This is Aggravated identity theft per 18 U.S. Code 1028A! I am asking this closed account to be removed from my consumer report and credit report! This is going against the law per 18 U.S. Code 1028A - Aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP !!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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, credit repair services, or other personal consumer reports

XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate personal information as in my full name and inaccurate addresses in XXXX and XXXX and now even XXXX of 2023 to no resolve. I have submitted multiple disputes of inaccuracies of an old discover card acct in collections which was resolved in the year the account was closed which is still reporting as an open account 4 years later today. Experian will not allow me to dispute these items and others without any new information however no proper investigation or request for validity or verification of said debt was ever provided to me upon request from these agencies. Only limited responses are provided in the drop down to submit additional disputes and once submitted you must provide additional information however Experian does not accept most formats of proof. This is unacceptable that the information that I provide to all agencies involved is not sufficient proof to the credit agency however any and all information obtained by Experian and additional agencies and or third parties is being updated to my credit report and it is inaccurate AND I did not provide the inaccurate information but that is the information being reported. I did not authorize any agent to report any of the inaccurate information and now Experian is not accepting my dispute to correct the inaccurate information they are now reporting it to other agencies. Which I also did not authorize. These issues are causing me to miss opportunities to work with other credit agencies due to it looking like fraudulent activity and or risky applications. This needs to be fixed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have a right 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report The 3 credit bureaus must validate this account : XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received an alert XX/XX/2021 from my mortgage lender that a 3rd party collection agency General Revenue on behalf of XXXX University had placed a debt for a federal loan amount due for {$720.00} on all three of my credit bureaus. My concern is in light of the America Rescue Plan this debt should not be enforced until after XX/XX/2021.
Product: Credit reporting or other personal consumer reports

JP MCB card placed an inquiry on my credit XX/XX/year>. Im not sure what this company is, and I did not grant them permission to run my credit. I would like to have this removed from my credit as it showing as a hard inquiry.
Product: Credit reporting

XXXX XXXX XXXX caeds from XXXX popped up on my credit report lowering my score significantley. i want proof these are my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Furnished a XXXX XXXX on credit file on XX/XX/2018. Requested verification from bank regarding inquiry and no feedback.
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting in both XXXX and XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX with A BALANCE of XXXX, on XXXX, XXXX  XXXX XXXX XXXX open XX/XX/XXXX on both XXXX and XXXX with a balance of XXXX. ALso XXXX XXXX XXXX opened XX/XX/XXXX with a balance of XXXX on XXXX. ALso XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of XXXX and lastly XXXX XXXX  opened XX/XX/XXXX with a balance of XXXX and the companies have taken no action to remove these item after several letter and attempt over the past 90 days and more.
Product: Credit card

Received transfer balance offer from citicard/citi.com/XXXX, to transfer a balance. Prepared to make a payment and was told by their csr that any payment made will go towards the highest interest charge rather than the 0 % balance transfer. This, in my estimation, allows for credit card companies to continue applying payments as they choose (! ) and allows for the application of several months of accumulated interest that serves in the best interest of the credit card company rather than the consumer! This is absurd! I am to accept that a company that makes as much as citi bank can not offer to split payments? I have n't lost any money yet but it is a ridiculous policy that serves only to trap consumers.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim of Paramount Recovery Systems is disputed and validation was requested. Paramount Recovery Systems So. has failed to provide validation. This is not my debt.
Product: Credit reporting or other personal consumer reports

my credit report is affected by these accounts i never opened. I feel that I am being ignored about this matter. This reporting errors has caused me a lot of stress because my credit has been affected by this for some time.
Product: Credit card

Around XX/XX/year> I saw an ad for Military Star advertising " save 10 % today ''. 
I could use that at XXXX which was linked to XXXX XXXX. The advantage of using XXXX XXXX XXXX is free shipping and no tax. The advantage of getting the Military Star Credit Card was the offer for " Save 10 % today '. I had to unlock my credit. I did this with all 3 agencies. I applied and was immediately approved, but not allowed to charge anything that day. I called Military Star Credit Card Company and was told it would take 7-10 days to get the card. I needed the appliances ASAP so I was forced to use another credit card for my purchase. When I got the Military Star card I called XXXX XXXX XXXX and asked if I could change the payment method for the credit card I used to my Military Star card and was told no. 
I have sent an email to Military Star describing my complaint with no satisfaction. 
I spent {$2100.00} on a refrigerator and dishwasher which is already delivered. 
I would have gotten a {$210.00} credit for my purchase with Military Star if I was allowed to use the card that day.

It was false advertising and nothing less.
Product: Credit card

When I reviewed my Barclays credit card statement on XX/XX/2024 I noticed that my credit limit was lowered your credit limit lowered lowered from {$14000.00} to {$10000.00}. This created a situation where I now owed more money than my available credit limit. 
On XX/XX/2024 I received a letter dated XX/XX/XXXX staying my credit limit was with now {$10000.00} with no notice. 

I called the next day to ask why I wasnt provided with any notice because it changed my ratio of available credit the rep told me it was because I was a risk. I asked to speak with a supervisor because I wasnt provided notice. He said he was a supervisor. I asked to speak with his supervisor and he said he would have to have that person call me back. I waited a couple days no one called me so I called them back again and told them I would be reporting this to you, the CFPB, and they said they could no longer speak with me and hung hang up. 

Since receiving the letter, I have now paid {$1900.00} on my balance in order to avoid the fees associated with being over the new credit limit Barclays just imposed on me. 

Because of this, my other creditors are now lowering my available credit limits, because Barclays caused my credit score to go down. 

Today XX/XX/XXXX I received a letter from Barclays claiming theyve been trying to get in contact with me and trying to reach me by phone which is a lie, they have never called. 

I would like this to be investigated as the FCRA requires credit card companies provide 45 day notice of credit limit changes and interest-rate changes.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding TransUnion, Equifax. 

Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding XXXX, Equifax. I believe that the handling of my account or financial matters has been inappropriate, and I am seeking assistance to resolve this issue. 

Description of Issue : XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear CFPB, I am submitting a complaint regarding an unauthorized inquiry on my credit report. I did not authorize this inquiry and my attempts to resolve the issue with the company directly have been unsuccessful. 

This unauthorized inquiry is affecting my credit score, and I am requesting that it be removed from my credit report promptly. Please let me know if any additional information is needed. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability 's to obtain credit
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing despite my previous communications regarding the removal of fraudulent items from my credit report. This marks the numerous formal attempt to address this critical matter. 

Despite my persistent efforts and numerous requests, the fraudulent transactions remain unresolved, causing significant distress and affecting my financial credibility. It is imperative that these unauthorized entries are promptly removed from my credit report to ensure its accuracy and integrity. 

I urge you to take immediate action to rectify this matter and provide me with confirmation once the fraudulent items have been successfully removed. Additionally, I request regular updates on the progress of the removal process to ensure timely resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I am in need of your help to remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX A XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$13000.00} FIRST XXXX XXXX Opened XXXX XXXX, XXXX Balance {$450.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$510.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$180.00} XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$7600.00} XXXX XXXXXXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$600.00} XXXX XXXX Bankruptcy : Bankruptcy Reference Number XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.