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

XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Request to Remove Inaccurate Credit Information To Whom It XXXXay Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are inaccurate : 1. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their removal from my credit report. It is my understanding that you will verify these items with the corresponding creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that, as per 15

U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter.

Please send me an updated copy of my credit report to the provided address. According to the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any recipients of my credit report within the past six months about the corrections made. 
I appreciate your time and assistance in resolving this matter.
Product: Checking or savings account

I bank with Navy Federal, and there have been times where I was charged an overdraft fee after ensuring there is enough money in my account for a certain transaction only to go back and find that a charge did not go through because there is an overdraft in my account. I would call the bank and inquire about the overdraft fee because I had money prior to that fee and I was being told that the previous transaction did not clear before the current transaction was made.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being 120 days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions on my credit score and overall financial well-being. 

The issue stems from XXXX 's failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship. 

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXX 's negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities. 

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXX 's inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXX 's failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.
Product: Checking or savings account

I have direct deposit set up at Capital One. Every Thursday morning I recieve it automatically. I still haven't gotten paid and it's been over 24 hours. I understand that they're having problems on their end. I just want to know when I'll be receiving the money and the robots I am forced to talk to can not compute that simple request.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the 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 any purpose
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1600.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Removal of Closed Account from Credit Report Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of a closed account from my credit report. The account in question is with first premier bank and has been listed as closed, but I believe it is being reported inaccurately or unfairly. The details of the account are as follows : Creditor Name : first premier bank Account Number : XXXX Date Account Closed : XX/XX/XXXX This account was closed on XX/XX/XXXX and, since then, I have had no further activity or outstanding balance associated with it. Under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I believe this account should no longer be reported on my credit report as it no longer reflects my current credit status. 

I respectfully request that you review this information and remove the account from my credit report. Enclosed are copies of relevant documentation, such as a statement from first premier bank confirming the closure of the account, for your reference. 

I understand that under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. I trust that upon review, you will find that this account should no longer appear on my credit file and will take the appropriate steps to have it removed. 

Please notify me in writing once this matter has been resolved. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Request for Deletion of Closed Accounts from Credit Report Dear, XXXXXXXX XXXX I hope this letter finds you well. I am writing to request the deletion of certain closed accounts from my credit report. I have recently reviewed my credit history and noticed that these closed accounts are still appearing on my credit report, which may be negatively impacting my creditworthiness. 

I would like to bring to your attention the following closed accounts that I believe should no longer be listed : Closed Date : XX/XX/XXXX I kindly request that you investigate this matter and take the necessary steps to remove these closed accounts from my credit report. The Fair Credit Reporting Act ( FCRA ) requires that outdated or inaccurate information be promptly removed from credit reports. 

I understand that the FCRA grants consumers the right to dispute inaccurate or outdated information and have it corrected or removed. I am confident that these closed accounts fall under such provisions. Please consider this letter as a formal dispute and request for investigation. 

As per the FCRA, I request that you provide written notification to all credit reporting agencies to delete these closed accounts from my credit report. Furthermore, I request that you send me a written confirmation once the necessary actions have been taken. 

I appreciate your prompt attention to this matter. Should you require any additional information or documentation from my end, please let me know, and I will gladly provide it. I trust that you will handle this request in accordance with the guidelines outlined in the FCRA. 

Thank you for your understanding and cooperation. I look forward to a swift resolution of this matter. 

Sincerely,
Product: Debt collection

I 've been asking XXXX for validation of this debt NOT VERIFICATION. Midland claimed to have the consumer agreement, I requested for validation but I never received it. Midland sent me an itemized bill and a bill offering a settlement. The FTC STATES IN SECTION 809 ITEMIZED BILLS ARE NOT A FORM OF VALIDATION. IM DISPUTING THE FOLLOWIG ACCOUNT WITH MIDLAND IN THE AMOUNT OF {$510.00}. I do n't not have a signed contract with Midland. I 've never done business with XXXX/XXXX XXXX Again I asked for validation inXX/XX/XXXX and I only received a bill in the mail.
Product: Debt collection

I sent Fidelity Credit Services a certified letter in the mail disputing the account and requesting information of the validity of the account. They never got back to me. The letter was sent on XXXX XXXX. I have the tracking and confirmation of the receipt. The tracking number is USPS XXXX. On XX/XX/2019 Fidelity appeared as a collections on my credit report. I tried calling them in XXXX and told them I was disputing the existence of the account and that I needed proof of the amount owed. They told me they were not going to provide me with anything and that I should contact the original creditor or my credit report would be ruined in XXXX. The amount is {$4800.00}. I do not believe I owe any of the amount. A judgement was never awarded against me. I never authorized any charges and I never opened any account with Fidelity nor the original creditor. The original creditor was my previous landlord. I payed rent every month early and provided him with a 30 day notice upon moving out. The claim is his word against mine. The amount he requested was {$4700.00} for damages. He would not provide any receipts or evidence of the damages he thought was done. I told him I would be more than happy for him to take me to court for that amount and to get a judgement in his favor, but he would not do it. I lived there for 2.5 years and there was minimal damage beyond aging of the dwelling. The original creditor would not provide me with a judgement or appropriate evidence of the amount owed and instead turned it directly over to Fidelity and has refused to respond to me.
Product: Mortgage

Hello, I want to thank you since you have always helped me in the past. You are awesome. 
I feel as though bank of america continues to be discrimatory towards me. I have contacted you in the past due to their unethical practices. 
for the last several years when I can I make advance principal payments, this appears to be a problems w bank of america. They recently changed or updated their website and now I no longer have access to amortization schedule. I have contacted them several times in regards to this. Asked bank of america to send me instructions on where the amortization schedule is on their website. 
They sent me an amortization schedule w the wrong interest rate so my advance principal payments would not be able to apply. I contacted them and they have not answered my email.

If you read my file I have had several complaints w them. Not sure if I should see a lawyer or not.

My last advance principal payment was not applied then I had to contact them in an email and then it was corrected. 
Is it because I am an XXXX XXXX? Why do they always put obstacles in my way? 
Can you help?
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I sent two instant transfers of {$500.00} to my debit account from my Venmo account .I had not used my Venmo in a year and I did not realize the debit card and account was closed. I spoke with someone at Venmo and they said the transfer had already gone through and to contact my bank. I contacted my bank and they said the account is closed and the payment should be returned back to Venmo. I spoke with Venmo and they said it should take 3-5 days to show a credit. I then spoke with them after some days and they still showed the transfer had gone through. I then spoke with my bank again and the assured me that was not possible to a closed account. I spoke with a supervisor at Venmo and they said the would sent my info over to the escalation dept and they would have an answer for me in 6-7 days!! Huh? I have done plenty of banking transfers and I have never seen one take this long or basically not being able to track the transfer. No one seems to be able to find my money!! Venmo supervisor said she would keep me in a email loop to see what's going on, but no one knows anything. As of today it has been 11 days. This is completely unacceptable!!! Please help getting this resolved! i removed the old debit card and cash out another {$17.00} and it went to the old debit card!
Product: Credit reporting or other personal consumer reports

I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this information for 4 months now regarding the 2 bankruptcy on my credit file. I have asked the bureaus for proof showing the bk were mine and no reply .. all they sent was a remot back with them on it. They cant verify bankruptcy with a court house or a third party and never gave the information i requested. Who they verified with and did they verify the whole ssn number? they didnt This has ruined my credit
Product: Student loan

I attended the California School of Culinary Arts in XXXX, California for 3 months in XX/XX/XXXX, and according to the school documentation I was charged {$11000.00}. I signed a " signature loan '' with XXXX XXXX Student Loans ( Now Navient ) to cover the cost of the school tuition and fees. XXXX XXXX ( Navient ) has since reported to credit agencies that I took out XXXX school loans to cover the expense of attending the XXXX, totaling over {$44000.00}. With interest, the amount that XXXX XXXX ( Navient ) now reports that I owe to credit bureaus each month is over {$100000.00} ( for attending cooking school for 3 months in XX/XX/XXXX while I was still in the military ). This false and inaccurate reporting on behalf of XXXX XXXX has ruined my credit status and has prevented me from qualifying for a home loan and other loans that would improve my quality of living. Whenever I have attempted to remedy the situation with XXXX XXXX ( Navient ), both by phone and in writing, I have been stonewalled ; the only response that I have ever received from them is that I owe the {$44000.00} plus exorbitant interest, totaling over {$100000.00}, and I need to pay it or it will continue to be reported to the credit bureaus. My loan went into default officially in XX/XX/XXXX, which only makes any attempt to deal with XXXX XXXX ( Navient ) all the more difficult, if not impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score on XX/XX/2022 was XXXX. 
My credit score currently has been dropped by XXXX points to XXXX. 
Nothing material has changed on my credit report to cause this action. 
For example, due to COVID-19, all loans in forbearance, deferred to the end of the loan upon exiting forbearance, resuming regular payments, with all payments continuing to be current, under the CARES act should not cause this action as informed to me by the banks.

I have asked the company to restore my credit score back to XXXX. 
This is yet to be done.
Product: Student loan

My son borrowed money for his college tuition and I was the co-signer. It was our understanding that I could be released as a co-borrower after a XXXX years on time payments and my sons credit worthiness. After he graduated he accepted the loan company 's offer to postpone the payments for a few months so that he could get employed. He accepted, but by doing so, I found out that due to that, I will NEVER be released from the loan as a co-borrower. I feel that this is deceptive lending practices, evil, mean spirited and just plain wrong. His credit rating is great. He has never missed XXXX payment nor been late for several years but still, I am like a fish on a hook. Stuck! One of the " selling '' features of this particular lender was the agreement that I could be released from the loan. They should be ashamed,
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went into XXXX XXXX in New Jersey to XXXX XXXX a XXXX. The salesman was nice and we had a good conversation. He then proceeded to take my info and said he would get me some numbers on the vehicle. I was hoping to get a rough estimate so that I can shop around and choose the best deal. I was told that my credit card was not accessed because my credit file was locked as I had intended. This was false! The next day I noticed a hard inquiry on my report and a finance charge was created without my consent. My credit and securities are mine and mine alone and can not be used without a benefit to me the secured party. I have tried to remedy this with the dealership on multiple occasions to no avail. The next step after this is lawsuit if this matter isn't handled to my satisfaction. XXXX XXXX is in violation of the consumer credit protection act and codes 15-USC-1611, 15-USC-1681n and can be criminally liable for giving false information and securities fraud.