23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
Product: Credit card or prepaid card

XX/XX/XXXX - Spoke to agent from Discover about a recurrent charge of approx. {$80.00} for a discover payment protection plan that I had never signed up for. 
Per the agent I had this benefit since I became a member ( XX/XX/XXXX ). 
When I asked to please provide proof or documentation that shows that I had in fact opted in this service, the agent said that is not available and that as a courtesy they could only refund XXXX monthly billing cycles. 
I have been charged a recurrent fee since XXXX for something I have never opted in. The company doesnt have proof of me agreeing to this service, and I have been paying for something that shows as a fee on the statement. Its not until one digs deeper that finds that the fee is a recurrent charge for something XXXX never signed up for. 

I need someone to help me. 

I would like Discover to refund me in full for all charges made to the me from the Discover Payment Protection Plan since XX/XX/XXXX. 

I have read consumer news report about fraudulent practices from Discover regarding this topic, and I find myself in the same situation. I have been charged for something I was not aware I was signed into.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on 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 being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit u XXXX regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees cut to lagged positing of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries off my credit file from XXXX, XXXX, Trans Union immediately. 
XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX {$160.00} into XXXX XX/XX/XXXX {$1100.00}XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX {$3200.00}
Product: Prepaid card

I received a {$100.00} American Express gift card as a gift. I tried to use this card in person at multiple retailers on XX/XX/XXXX and was not able to because it doesn't have a chip. I tried to use it at multiple online retailers on XX/XX/XXXX and XX/XX/XXXX and because it is an " anonymous '' card that you can not tie an address to, no online retailer would accept it. I finally found a tip online from people that have been having this same problem ( for years ) that small dollar amount reloads to XXXX will go through. I was able to move {$50.00} to my XXXX account before the card was shut off with XXXX for suspicion of fraudulent activity. I called American Express XXXX XXXX on XX/XX/XXXX and was told that they can not add an address, they can not remove the block, and that I should just keep trying to use it. I asked for a replacement card and they wouldn't send a replacement card with the remaining balance for the stated reason that I would have the same problem - except it would have resolved MY problem with {$50.00} remaining on the card since I figured out XXXX would allow me to transfer up to {$50.00} off of it before it got flagged. I asked to speak to supervisors 3 times and was denied. I was finally put " on hold '' for a supervisor who never answered. This is a scam and I have absolutely no way to use the remaining balance on this card, they stole money from people and it can not be used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. I ask that the items be deleted to correct my credit report. Please delete the items as soon as possible. 

REASONS : I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Please remove any and all unauthorized inquiries from my reports as I have no knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Fraudulent/Negative Accounts : Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$460.00} Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$800.00} Fraudulent Collection Accounts : Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1300.00} **UNAUTHORIZED INQUIRIES CONTINUED TO NEXT PAGE ** Unauthorized Inquiries : Inquiry name XXXX XXXX XXXX XXXX XXXXnquiry date XXXX XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleventh endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX XXXX. I am writing today to resolve an issue that has caused damage to me financially and reputation wise. EXPERIAN claims to have verified an account named XXXX XXXX XXXX is accurately reporting to my consumer report as of XX/XX/XXXX. This is impossible because the account STILL has a date last active of XX/XX/XXXX reporting on EXPERIAN and a date last active of XXXX  reporting on XXXX. My consumer report is my life and EXPERIAN has been purposely damaging me and it has to stop immediately. I have provided proof in the attached screen shots of Experians willful noncompliance which is a violation of the FCRA. I am prepared to file a civil lawsuit to rectify this matter if need be and have already filed the necessary paper work in with the federal court in the state which I reside.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some major issues and major errors on my credit report that I need addressed immediately. My name is XXXX XXXX XXXX. My SS is XXXX. 
My DOB is XX/XX/XXXXPlease remove delete ANY OTHER name and SOCIAL SECURITY NUMBERS. the following addresses are not accurate please delete them : XXXX XXXX XX/XX/XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL # XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, OH XXXX
Product: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted credit corp solutions on a matter that pertains to my credit. I have been a victim of fraud. I sent credit corp solutions a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked credit corp solutions to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via XXXX certified. Removing this account from all three credit bureaus ( XXXX, XXXX, XXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay credit corp solutions and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe credit corp solutions. You can not because this is not my debt nor do I owe credit corp solutions anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM CREDIT CORP SOLUTIONS NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I has sent multiple letters over the last 3 month trying to make transunion and experian follow the law. First letter was received by transunion on XXXX. XXXX received theirs on XXXX. Second letter received by transunion and experian on XXXX. Third letters were received XXXX by both credit bureaus. Fourth letters received XXXX. 
All of these letters demanding several accounts be removed from my credit report as transunion and XXXX are in violation of : 15 USC 1681 section 602A 15 USC 1681 section 604A sec 2 15 USC 1681c a5 15 USC 1681s-2 ( a ) ( 1 ) I have made every attempt to settle this matter outside of court. The bureaus simple refuse to follow the law. I am demanding one last time that the accounts i ask them to delete from my report be deleted immediately. Otherwise i will have no choice but to file a claim against transunion and experian for multiple violations of the FCRA, the XXXX, and the Privacy act. XXXX had no problem following the law and removing these items. Transunion and XXXX must follow suit and do the same as they are all required by law to report accurate information. All three reports must match.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

hunter warfield, XXXX XXXX  XXXX XXXX, XXXX florida XXXX is the company this complaint is about. they are attempting to collect a debt of {$1300.00} that i simply do not owe. it's a bogus made up debt by XXXX  XXXX in XXXX XXXX. i lived at XXXX XXXX in XXXX XXXX. for 12 months. from XX/XX/XXXX to XX/XX/XXXX. i signed a 12 month lease, stayed there the full 12 months, and paid the rent on time every month. when i left the apartment it was in the exact same condition as when i moved in. i didn't even ask for my security deposit back when i left the apartment. if anything they owe ME. now, i am a XXXX, XXXX old man seeking a low income place to live here in XXXX. i will soon become homeless. every apartment application i fill out is denied because of this bogus debt. twice i contacted hunter warfield to dispute this bogus debt so i don't end up homeless. and twice the person i spoke to became very, very rude and obnoxious with me on the phone. i got rude back cause that is just my nature when someone gets rude with me as they did. i attempted to explain my urgent situation to them, and never got a chance to finish before they became very rude with me. i scratch and claw to get by month to month on a small disability check, so it'd be impossible for me to pay this if it was a legitimate debt, which it is not. besides their phone reps being very rude, hunter warfield is a company that puts pennies ( that's what {$1300.00} is to them ), ahead of the well being of a XXXX, XXXX, XXXX old man. greed above compassion, on top of being very rude. and XXXX XXXX in XXXX XXXX. are total liars, and also greedy.
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing this account. I've contacted the bank, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Experian for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Experian is failing to fulfill its legal obligation to process the identity theft report even though the bank already removed the account from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I am writing against NAVIENT again, during the past Year I was participating in a Rotating Internship in XXXX University and due to the MAria Hurricane in Puerto Rico my family was affected. 

I have been struggling with NAVIENT becuase I requested a forbearance becuase I was in an internship/XXXX program. They didnot allowed it to me. Even tough I have been paying on time. The problem I used to have that being an intern I was only getting paid once a month and I requeste navient to change the date f payment several times, which they did not do it. Even tough I was making and I am making the payments, every month I am receiving calls from them saying that I am late on my payments and every month I go to the website to verify how much I have to pay becuase they have been back and forth changing my payments every month. I was making my payments according to the website and paying them through my bank, they were receiving my payments but the people that works there is not profesional and they dont know what they are doing, placing my payments into other loans and if I make one payment for all the loans, they should me in charge of putting the payment in the correct loan. They are not doing that and every month now they are sending late payments to the credit bureaus and that is affecting me when I am amking my payments on times. Another situation is that, even if I pay the correct amount of money on time, days later they call me saying that I did not mada my payments accordingly and saying that I still have to pay XXXX or XXXX dollars more. Which is impossible For exampley by XX/XX/2018 I made ap ayment of {$200.00}. 10 days later they are calling me saying that I am late, and I told them that was impossible becuase the payment was already made. She said that I had XXXX $ late and I said that I paid was was on the website when I made my payment on time. 

Now I am having again late payments on my credit report. and they want also you to give them an automatic payment which I will not give them becuase they are overchanging every month and not doing the correct job.
Product: Debt collection

Original account was with XXXX XXXX XXXX  and the account was closed and charged off as a bad debt. It was sent to a collection agency in XXXX XXXX, KS and I was making payments to them until hard times fell for medical situation in my family. I received nothing new from the original collection agency or the bank whom the debt was with until I was paying on a bill thru XXXX  XXXX XXXX, attorney also does business as the Collection Bureau of Kansas. I disputed owing him any money on the account as I was in no contract with him or his business on a debt that had been closed and charged off. I received nothing back from Mr. XXXX validating the debt and I have been paying on a debt in his office for XXXX XXXX in which my last payment was mailed in with ALL ACCOUNTS PAID IN FULL. Mr. XXXX office has returned the payment and refused it because they say I owe them the account for XXXX XXXX XXXX that I have disputed and have never received validation on. I have contacted the bank to try and resolve this since the original collection agency did not report the payments that they received from me. Numerous times of trying get resolution through the bank and nothing until I reached our to XXXX the branch manager of the bank I went to and he advised they changed collection agencies to XXXX  XXXX XXXX this year. He did advise me that I could pay the bank or the new collection agency. I am disputing this because Mr. XXXX did not follow the FDCPA in validating the debt balance, etc. and he has not only refused my money for my other debt but failed to notify me that all attempts had ended and they were taking legal action. Today I received a limited actions docket hearing order from the district court. His office is very rude and disrespectful and they do not adhere to FDCPA rules when attempting to collect a debt.