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

remove these items off my experian credit report Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate and negatively affecting my credit score.

I have noticed that the following outdated accounts keep reappearing on my report, despite being too old to be reported : balance XXXX ( doesnt even display an account number how old it is ) balance XXXX ( doesnt even display an account number how old it is ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I would like to address several unauthorized inquiries that have recently appeared on my report : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and I request that they be removed from my credit report as they may be impacting my creditworthiness.

I would appreciate your prompt attention to this matter and request that you investigate these discrepancies as soon as possible. Please let me know if you need any further information from my end.

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im attaching a ftc report to my complaint I made already some one been applying using my information I have numerous inquiries that I did not apply fraud XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act Convergent the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

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

According to 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: Vehicle loan or lease

I submitted my lease buyout on XX/XX/2022 and confirmed this been completed successfully over the phone on XX/XX/2022. I waited the five business days as instructed for my title to be released. When I called in today on XX/XX/2022, six business days after pay off, I was told the process for the title being released had not been started yet. They stated they would start this process and now it would take XXXX business days for the title to be released. 

I have paid {$12000.00} to buy out my vehicle and Im unable to demonstrate ownership of this expensive possession due to the inability for the leasing company to provide my title in a timely manner. I am just a regular consumer who is has had to float {$12000.00} of my personal money.
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -EXPERIAN HAS NOW TAKEN OVER 60 DAYS TO RESPOND TO MY CLAIM AND HAS NOT DELETED DEMANDED ACCOUNTS REQUESTED UNDER 15 USC 1681a ( 2 ) ( I ) -EXCLUSIONS-. EXPERIAN IS VIOLATION UNDER THE FCRA 15 USC 1681i and 15 USC 1681a ( 2 ) ( i ). EXPERIAN IS REPORTING CHARGED OFF DEBT ON MY CONSUMER ACCOUNT WICH IS DEFINED AS INCOME BY THE I.R.S IS NOW IN VIOLATION UNDER THE FTC DEFINITION OF DEBT PARKING AND I.R.S DEFINITION OF CHARGED OFF INCOME REPORTING INCOME ON MY CONSUMER REPORT. EXPERIAN HAS NOT FILED A FORM! 099C NOR HAS SENT TO ME A 1099C FOR REPORTING CHARGED OFF DEBT AS INCOME AS WELL NOT FILING PROPER TAX FORMS FOR IT. IF THESE ACCOUNTS ARE NOT REMOVED IMMIDIATELY I WILL BE FORCED TO FILE A I.R.S 3949a FORM AND A I.R.S 211 FORM AGAINST EXPERIAN AND ESCALTE MATTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX for inaccurately reporting information on my credit files with Equifax, XXXX, and XXXX. The discrepancies across the XXXX bureaus are unfairly damaging my credit score and overall financial standing. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX corrects these errors and aligns the information accurately across all credit bureaus. 

Account Details : Creditor : XXXX XXXX Reported Issues : Inconsistent and incorrect reporting across Equifax, XXXX, and XXXX Issue Summary : 1. Inconsistent Reporting Across Bureaus : XXXX XXXX has reported incorrect and inconsistent information on all three credit bureaus. These discrepancies include variations in dates, balances, and account status, creating a misleading and inaccurate portrayal of my credit profile. 


XXXX. Request for Correction of Errors : I have previously contacted XXXX XXXX to address and correct these issues, but they have failed to make the necessary updates across the credit bureaus. This continued inaccurate reporting has caused significant and undue harm to my credit score. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies in reporting, I am requesting immediate correction and alignment of the information on my credit reports with Equifax, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

My recent credit report shows the following : XXXX days late for XXXX XXXX XXXX days late for XXXX XXXX XXXX days late for XX/XX/year> and XXXX days late for XX/XX/year>. This information is NOT accurate. I have had many issues with this account, and it seems to be getting worse. The information on my credit report has changed. It was removed and then placed back on. It used to say XXXX  days late not it has been changed to XXXX and XXXX days. I have tried to resolve this through XXXX team asking them to assist me. We did have some financial issues arise but not to this extent. I requested account history to be mailed to me, including payment history with amount and dates, account notes, documentation of any " promises to pay ''. I also requested that all calls be verified, as I voiced concern over payment posting due to the changing of some cards to capital one vs some staying with Kohls. I was informed at the time that it caused a lot of confusion between accounts. I could not longer access my card through the kohls app as I had done before. My account was reverted back to my old email, that I no longer have access to. From my end, it appears that the transition contributed to some of these " late pays '' and I do not feel the information is accurate. On top of that, no response to my numerous attempts to get information.
Product: Student loan

Initially my loan was processed by Sallie Mae, but was sold to Navient. Without my knowledge, Navient consolidated the loans, removing them from Direct Loan status. I am a XXXX XXXX XXXX XXXX XXXX XXXX. When I first started working, my monthly net income was {$1700.00} and Navient was billing me for {$600.00} payments. When I contacted them, they encouraged me to apply for forbearance rather than IBR. Interest was capitalized, raising my loan balance from {$30000.00} to {$52000.00}. I learned about IBR, applied and have been making regular payments for almost 6 years.

I applied for public loan forgiveness and received a letter in response saying that my qualifications had not been reviewed and my application was denied because my loans were not in Direct Loan status. I was also told that IBR pay back is 25 years. 

Additionally, the loan is in negative amortization. I received a XXXX for 2018 indicating student loan interest received was {$5900.00}. This is the exact amount to the penny that I paid during 2018. The loan balance remains at {$52000.00}.
Product: Credit reporting or other personal consumer reports

Equifax Violated Consumers Trust & Failed for over 10 months to provide relief after valid disputes submitted
Product: Credit card or prepaid card

My social security number has been stolen and is circulating on the deep web. I have reached out to Capital One and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Student loan

Since XXXX, I was starting to sign up for financial aid. They had asked me if I had a co-signer to start. I told them numerous times that I have no one helping me. They lured me with words that seemed like it would help me, since I am a XXXX. Well I was able to go to school, But then I noticed that I am getting calls from debt collectors that I owe them money because I signed up for a loan. I told them many times I never signed for a student loan because I had no co-signer. Since then, I ca n't go back to school because of a default of something I never agreed to. The school is called the XXXX XXXX XXXX XXXX XXXX, but now called XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I was pre approved to refinance my vehicle through Credit Karma 's third party lenders. I filled out multiple applications and received hard inquiries just to be rejected and turned away multiple times. As well as being told I was pre approved with a certain amount each month for a vehicle through Credit Karma 's third party dealership XXXX in XXXX. I filled out the application for the vehicle and was told it was approved but not for the amount the advertisement said, and then found out that the vehicle wasn't even available once I traveled to the actual dealership. Which left me with another few hard inquiries and a drop in my score.
Product: Mortgage

I recently submitted a complaint ( number XXXX ) regarding mortgage issues with Bank of America. A representative called me on XXXX XXXX or XXXX, in regards to the complaint, and during that conversation, the representative started laughing at me and my situation. This is now the person who they have assigned to assist me with my mortgage. Also, during that conversation, ( after the representative started laughing at me ), I asked to speak with his supervisor. I was told she was not available, but that she would call me back in 30 minutes. The supervisor did call me back, and was helpful, sort of. She explained that she would be sending me some documents, and would call me back on Friday XXXX XXXX at XXXX. ( her name is XXXX XXXX XXXX. We set up an appointment for her to call me. She never called me. I called her at about XXXX XXXX and received her voicemail. This seems typical of Bank of America as I have been dealing with them on trying to get a loan modification XX/XX/XXXX. They keep saying they are sending out documents, and they never do. I spoke to them back XX/XX/XXXX and was told they would be sending the documents. I also requested the documents multiple times in XXXX and XXXX as I had regular bi-weekly phone calls scheduled with my " dedicated account representative. '' These dedicated account representative has indicated on my account that I was unresponsive and Bank of America has now placed my home in foreclosure after they refused/returned my payment to them to bring my mortgage current and up to day. They are now making me pay additional fees totaling {$450.00} + potential escrow fees + the amount of money I sent to them XXXX which they refused ) in order to remove the foreclosure status of my loan. They are also requiring that I send my payment in certified funds or a money order, which of course costs additional money, plus they only gave me 4 days to get the payment to them and require it be sent overnight express mail, which also costs additional money. They really are not looking out for people who are struggling to pay their mortgage and are doing what everyone says to do, and that is stay in contact with your mortgage company and attempt to make arrangements to pay. Bank of America does not follow through with what they say they are going to do, and in the mean time, when consumers are doing what they say they can do, Bank of America puts your home in foreclosure. There are many websites that warn consumers to be aware of scams ... .well, I think Bank of America should be added to the list of scam artists.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX As much as a year ago XXXX XXXX XXXX ( XXXX  ) contacted me by telephone attempting to collect an amount owed in connection with PayPal Credit/Synchrony Bank. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail. 

On XX/XX/XXXX, I received a collection document from XXXX  ( account number XXXX ) identifying the purported creditor ( Synchrony Bank-PayPal Credit ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, XXXX, XXXX and forwarded to me at a temporary address in XXXX XXXX. 

That same day, I responded to XXXX  ( letter attached ) categorically denying the obligation to be mine and requested XXXX  send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials. 

On XX/XX/XXXX, I received a collection document from XXXX  offering to discount the amount owed if paid in full. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

On XX/XX/XXXX, I received collection document from XXXX  and none of the requested materials. That same day I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

Today, XX/XX/XXXX, I received a collection document from XXXX  and none of the requested materials. Today, XX/XX/XXXX, I responded to XXXX  ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.
Product: Mortgage

In XXXX of XXXX I received my escrow analysis for XXXX. According to the NewRez LLC, estimated property taxes for the year XXXX are {$4200.00}. I received my Property Tax bill from XXXX XXXX for XXXX totaling {$2200.00}. This is a GROSS overcharge by the mortgage company of {$1900.00} for the year XXXX, which is reflected in an increase to my monthly payment on the mortgage of {$110.00}. I have contacted the company for My loan was refinanced recently and this company owns the loan. As I said, it is a gross overcharge that needs to be rectified ASAP. 

My intent for this letter is to notify the CFPB of the situation and the public that this company could be defrauding its consumers.
Product: Checking or savings account

I opened a savings account with Citibank in XX/XX/2022. I deposited {$50.00} into the account. Toward the end of XX/XX/2022, I tried to access my account and could not do so. I spoke with a Citibank customer service representative and was told that another representative would contact me and that a check for the money in my account would be mailed to me within 60 days. Neither of these things happened. I contacted Citibank again and was told that I needed to speak with a local branch representative even though I opened my account online. I spoke with a Citibank representative at the XXXX, NY branch and she told me that I need to speak to the fraud department ( the department who had told me earlier that I have to speak with a local branch manager ). I called the fraud department again on XXXX XX/XX/2022 and was transferred to a representative who apologized and took my home address saying that Citibank would mail me a check immediately and that he would contact me the next week. Neither of these things occurred. Honestly, I think Citibank owes me in damages for withholding my money without reason and costing me time and hardship at this point but I'm not about to hire an attorney. I just want my deposit back and to close the account. 

I have no access to my account and all my communication with Citibank has been through the phone. I attached a screenshot of the most recent email I have from them as proof that I do have an account with Citibank. 

Citibank has essentially committed fraud. What they are doing is no different than someone sitting on my wallet and ignoring my requests for the wallet.
Product: Debt collection

Moved from an apartment that I lived in XXXX, Fl. Companies name was XXXX XXXX and I was laid off of my job and rent was more than unemployment gor the month. I wrote them a letter expressing my concerns and got no response I moved out XX/XX/2014. I put down a {$1500.00} deposit when I moved in they took that and said i owed for {$1700.00} misc. Things that were not true. I tried calling the company to show I left the apartment in mint condition. All they sent me was the lease. I have made numerous attempts to get this off of my credit because its the only collection I have. I am looking forward to buying a house and I need this removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XXXX a stating I was opting out of any and all authorization I the consumer may have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX XXXX reported XXXX installment loans to XXXX in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX XXXX reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they 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 # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$380.00}
Product: Checking or savings account

On XX/XX/2018 I made a complaint against USAA because I felt like they did an inadequate investigation into a fraud claim I made. On XX/XX/2018, the bank called me back and somehow found me responsible after doing a " thorough '' investigation. I feel as if this decision was made because I made the first complaint. I've been trying to get this settled for almost the month long. I really thought the bank had its members best interest at heart but this shows me otherwise. They do not care about military members or veterans. I'm being told that because my pin was discovered and used that it's basically my fault that my account was robbed and I feel as though that is completely unfair. Every case isn't as black and white as these " rules '' in place and I've spoken with over 10 different people at USAA about this problem, all of whom agree that this is a situation that's out of my hands. I've only been able to to access my account once for about an hour in the last month. My money was stolen from my account as well in the amount of {$450.00}. I've explained time and time again how this has put my way below rock bottom because I needed my money to pay my last month of bills before I graduate. I feel like the bank isn't looking in the interest of the members when things like this come up and rather than looking at all the variables, it's down to a set of A or B rules. The bank is insured, I am not. My money is not insured and I thought the bank was my line of security against things like this. This is way I've filed a police report, called into the bank over and over. I've made claim after claim about this fraudulent activity. If I was responsible for this, I'm going through a lot to get myself caught I would say. It's at this time where I feel that my 8+ years as a member means nothing because I was even told by the fraud department that it would be best to just look for a new bank as this is a dead situation at this point. I never expected to go through something like this and it hurts me even more to know that this bank knows of my financial situation and how distraught I am at this time, yet they come back and tell me I'm responsible for XXXX of dollars worth of fraud on my account. I'm about to be homeless and I'm being told I can't even depend on my bank to have my back in trying times. At this point I have no idea what to do and I've gotten no help or insight from USAA. As I stated before, I haven't been able to access the account so I've been in the dark about this entire situation only to get told it's my fault. I'm just asking that someone who understands look over things. I'm not asking for XXXX of dollars back. I just want my account back in a normal status with my {$450.00} back. I've been more than cooperative with the bank throughout this entire process and yet I feel like I'm being treated as a criminal versus the victim.
Product: Checking or savings account

Us bank stole {$170.00} from me and lied saying they paid merchant. XXXX XXXX banker told me {$170.00} went to bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account ending in XXXX is reporting to my Equifax credit file inaccurately. The account is reporting activity in the payment history after the account was closed. The account is closed therefore there should be no payment history after that. I want the account deleted due to inaccuracies, violating my rights as a consumer. I submitted complaint XXXX on XX/XX/22 pointing out the violation but yet Equifax stated verified in the company response and continued to allow XXXX  to report the inaccuracy. Im providing proof from my credit report of the active violations.
Product: Money transfer, virtual currency, or money service

Wells Fargo wouldn't cash my first stimulus check. I mailed it back and still didn't get the money. {$1200.00}.