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

To Whom It May Concern, I am writing to formally file a complaint regarding multiple discrepancies and inaccuracies in my credit report as reported by Experian and XXXX with an account reporting on my credit. These discrepancies are negatively impacting my credit score and violate my rights under the Fair Credit Reporting Act ( FCRA ). 

I have identified the following inaccuracies between the two credit reporting agencies : XXXX. Account XXXX : Experian : XXXX XXXX XXXX : No information provided XXXX. Number of Months ( Terms ) : Experian : 42 months XXXX : 0 months XXXX. Payment Status : Experian : Late 180 Days XXXX : Late 120 Days XXXX. Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Two-Year Payment History ( XX/XX/XXXX to XX/XX/XXXX ) : Experian : 180 days late consistently XXXX : XX/XX/XXXX to XX/XX/XXXX : 120 days late XX/XX/XXXX : No data provided XX/XX/XXXX to XX/XX/XXXX : 120 days late XX/XX/XXXX to XX/XX/XXXX : Current XX/XX/XXXX : No data provided XX/XX/XXXX to XX/XX/XXXX : Current XX/XX/XXXX : No data provided These inaccuracies present a total of seven distinct reporting errors. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must report accurate and complete information. The inconsistencies listed above clearly demonstrate that either Experian or XXXX is not fulfilling this obligation. 

On XX/XX/XXXX, I disputed these inaccuracies through the CFPB, and both XXXX and Experian responded stating that the account is verified as mine. However, they continue to provide inaccurate information on my credit report. This ongoing failure to correct the discrepancies has caused significant harm to my creditworthiness. 

I am requesting an immediate investigation and correction of these errors. I demand that the Consumer Financial Protection Bureau ensures that both credit reporting agencies rectify these discrepancies and provide accurate and consistent information regarding my account. If accurate and consistent information can not be obtained, I request that this account be removed from my credit report. 

Furthermore, I would like to be updated on the steps being taken to resolve this matter and the timeframe in which I can expect these inaccuracies to be corrected. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

CITIBANK reported an inquiry on my consumer report without fully disclosing to me that such report would be made upon our initial communication. They also failed to provide me the option to OPT out of sharing my information.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX. Im providing you with a IRS TRANSCRIPT PROOF That I am the Power of Attorney over my finances and accounts, which serves as and affidavit. I need all accounts zeroed out immediately. They have been taken care of cause I have the XXXX ( XXXX ) thats been approved by the IRS THE DEPARTMENT OF TREASURY! There should be no Corporation ( Dead ) entity reporting on my behalf without my consent! If XXXX, XXXX, TRANSUNION are reporting information on my credit report without my consent they will be sued for defamation of character. I will include : XXXX IRS FORM, My Transcript to prove my POWER OF ATTORNEY ( POA ) on file, XXXX XXXX XXXX, as well my COPYRIGHT ( AFFIDAVIT ) ON PUBLIC RECORDS TO PROVE NO ONE SHOULD USE MY ESTATE NAME WITHOUT MY CONSENT! I want this issue handle in 10 days. Under penalty and perjury they need to rebut affidavit and if not the AFFIDAVIT STANDS AS TRUTH! This will be proof of evidence I will report to the IRS THAT I GAVE XXXX, XXXX, TRANSUNION a fair chance to handle this matter.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Account Number : XXXX
Product: Credit card or prepaid card

The following fraudulent purchases were made on my credit card. Barclays Bank refuses to credit back the fraudulent charges below. 

1 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

2 ) XX/XX/2017 {$5000.00} XXXX XXXX. 

3 ) XX/XX/2017 {$6000.00} XXXX XXXX.
Product: Student loan

My name is XXXX XXXX, and I am writing to you today to file a complaint against Navient. I called Navient on XXXXXXXX XXXX XXXX The purpose of my call was to notify Navient that I am invoking a defense to repayment of the loans because the school I attended, XXXX, defrauded me and for this reason I will no longer be making payments on my private student loans. 

The response I received from the Navient Customer Service representative was that she understood ( what was I saying ) and that they have been receiving a lot of calls surrounding XXXX. 
She explained, if anyone that is working on the private loans can prove that they are fraudulent have them contact us. 

I then sent a written summary of this call and asked for more information about what the representative said to the general Navient email account as well as to the Navient office of the Customer Advocate. 

I received an email response on XX/XX/, from XXXX, a Loan Servicing Specialist ( I have attached a copy ). In her email, XXXX only said that Borrower Defense Relief is a program offered by the U.S. Department of Education that allows borrowers to apply for loan forgiveness for their Federal Direct Loans. Please note that the provisions of Borrower Defense Relief doesnt apply to private credit loans. Your loans ending in XXXX and XXXX are private credit loans, which does not qualify for loan forgiveness programs. 

On XX/XX/2023, I received a communication from XXXX XXXX from the Office of the Customer Advocate ( I have attached a copy ). In the communication, XXXX said that theres no discharge program available at this time for students who claim a defense to repay a private loan due to misinformation or the quality of education they received at their school. Were not able to respond to any information or guidance provided by a customers school, financial aid advisor, or other financial advisor. 

I believe there is a problem with these responses and there should be a process for providingme with more information and relief. 

Having attended XXXX  has left me with significant debt and a worthless degree, leading among other harms to financial and emotional distress.I was told by the school that it would be funded through the VA using my GI Bill and I wouldnt have debt. I would talk with the student counsellors and they would confirm this. I used 100 % of my GI Bill and still there were federal and private loans taken out in my name. I was misled as to cost of everything and how it was being financed. 
The above described activities constitute violations under the applicable state consumer protection laws and constitute common-law claims for breach of contract and negligent misrepresentation. In addition to causing enrollment, these actions also induced reliance to remain at the school. 
In addition, the Department of Education has also found that XXXX defrauded thousands of students. 
https : //www.ed.gov/news/press-releases/education-department-XXXX XXXX
Product: Debt collection

Debt collection agencies keep calling from rotating numbers to collect from a XXXX Account for my daughter, XXXX XXXX XXXX, who has lived in XXXX for the past 15 years. She never had a XXXX  credit card. 

They 've called at XXXX XXXX and repeatedly during the day. Most of the number are XXXX area code, similar to my number. 

I have told them, repeatedly, that XXXX does not live here and that I am on the DO NOT CALL LIST. They continue to call several times a day. 

Recent calls came from XXXX ( XXXX XXXX XXXX XXXX & XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX other numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The numbers continue for months back, for other area codes, like XXXX and XXXX
Product: Student loan

XXXX had my brother to take out XXXX different loans with XXXX. The total is well over {$10000.00}. I am the consigner on this account and at the moment I am the one paying this bill. I am a current student, a mother, a wife ( of a XXXX service member ) and I ca n't afford and never could afford this bill that is now over {$400.00}. I 've kept the bill in deferment. up until recently and it was sold to another company for payment. I would like to stop paying this bill. As the cosigner, I would like to know how can I get relief from this bill. My brother has n't paid this bill since he left school in 2013. Everything that I read that they will do to a student they did to him ie pulling him out of class threatening to keep him out of school if he did n't make a payment.
Product: Credit reporting or other personal consumer reports

I have some accounts that are on my consumer file, that are in violation of the fcra and need to validated/verified in order for them to continue to be reported on my credit report. I have also sent a validation noticed to the company as well. These account are in violation and need to be deleted from my consumer file.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 
Here is the item I am asking you verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

My question to Bank of America. -- I have had an account with Bank of America for over 30 years. I recently called to reorder checks and the system said I was a new acct. check order and would not process my order. I have spoken to many B of A employees and NO ONE could answer why this happened -- My check sequence has always been in order and I am currently in check number sequence of XXXX and NEVER has there been a change in sequence since the start. WHAT IS THEIR PROBLEM AND HOW WILL b OF a Resolve it. -- answer -- Hello XXXX XXXX I apologize that our system is giving you trouble. To clarify when you call in to order checks the system thinks your account is new but our customer service team sees your info as existing? That absolutely should not be doing that especially if the account is not new. Can you walk me through how you go about doing the order? Do you call in using a different number than what is attached to your account, do you have a new card, do you have more than one account with us? -- First I went to the local branch and presented the teller with the check reorder slip from my checkbook -- They were unable to help so I came home and called XXXX -the system asked for my acct. number and when I entered my acct. number -- the system said call back with my acct. number even though I had just entered my acct. number? Then I called the XXXX number to place the order -- that system asked for info on my acct. at which time I entered all the info they had asked for -- at which time the system then said because this was a new acct. check order they could not process the order. THIS IS NOT A NEW ACCT. CHECK ORDER -- I have reordered checks MANY times since I have had this acct, many years. I called a different 800 number and was told by someone who IDed herself as XXXX THAT SHE COULD PROCESS THE CHECK REORDER BUT SHE WOULD FIRST HAVE TO ENROLL ME IN THE PREFERRED AWARDS PROGRAM AND I AGREED AND WAS ENROLLED IN THAT PROGRAM -- HOWEVER WHEN I CALLED BACK TO VERIFY THE CHECK REORDER NEVER WENT THROUGH. I DO NOT HAVE MORE THAN ONE ACCT. WITH Bank of America-
Product: Checking or savings account

On XX/XX/XXXX, I was to receive a direct deposit for my payroll. Due to a glitch with either my payroll company or my job, the direct deposit didnt process and I received a paper check in the amount of {$990.00}. I was concerned about the best way to deposit it ( my rent was due and I needed access to funds ) so I called Bank of America ( my financial institution ). I spoke with an associate who informed me that if I made the deposit on my banking app before XXXX XXXX Friday that i would have access to $ 200-300 of my funds and that the rest would post Monday night at XXXX. I deposited my check ; no funds were available. I waited until Saturday morning ; no funds available. I proceeded to make several calls to Bank of America customer service. At least three individuals with whom I spoke informed me that my best bet was to go into a Bank of America branch and try to cash the check and then deposit the cash into the ATM. Though I expressed my concern with this practice, I was repeatedly told that it was my only way. I proceeded to take a XXXX to the closest branch that was still open. When I tried to cash the check, I was of course told by the branch that the check could not be cashed as it was already presented for deposit. The head teller at the branch told me that my best bet at that point was to take the check to the bank it was written off of and cash it there. Since that bank was closed, I was informed that the only thing I could do is wait and or try to deposit the check into the ATM. When I deposited the check into the ATM, it showed me at the deposit went through and that {$300.00} was available to me immediately. As multiple associates had told me that the worst-case scenario would be a double deposit that would work itself out Monday night and that I just needed to make sure I only spent the amount of initial deposit, I felt things were fine. Later that night when I went to go use my card, it was declined. I saw that my checking account was overdrawn ( - {$670.00} ). Since Friday, I have made over 20 calls to Bank of America. No one has been able to help me. On yesterday I was told more incorrect advice that after Monday night I would at least have {$300.00} of the available deposit and have to wait on the rest of it, but that all would be well. Today when I woke up it appears that both deposits cleared, one deposit was returned, and a new and full hold was placed on my account for the entire amount of the check. According to Bank of America, I now have to wait until XX/XX/XXXX to see any funds from this check. Ive only done exactly what I was told to do by my financial institution and they offer and Ill solution and no assurance that I can access my funds. I am now looking at eviction, my phone being shut off, and a complete immobilization of my life because I can not access my paycheck that was issued by a reputable nationwide payroll company. I have been a Bank of America customer for 10+ years and they have offered no information as to why this check was subject to such a long hold ( that was placed on it before the double deposit ) and absolutely zero efforts to try and help me.
Product: Credit card

Company refused to take any action with this fraudulent application and Im forced to pay interest on a fraudulent credit card out of my pocket and I have no clue where these charges coming from. I paying because I dont want my credit report to mess up. I dont have this credit card at my home address never used it and I have no clue where these charges are from. Company refused to dispute these charges and the account. And they charged me tons of interest and wont do a thing. They wont send me statements of where these charges are from
Product: Money transfer, virtual currency, or money service

I made two purchases and paid my two sellers ( private people ) through Venmo using my credit card XXXX XXXX. I opened a dispute back in XXXX because I did not recognize two charges but called my credit card and Venmo to cancel my dispute within the same week and they confirmed they did cancel and closed my case. A month ago my two sellers contacted me very upset that Venmo had taken the money I paid them. These sellers are after me demanding their money back when Venmo took it without any authorization from my sellers. I called my credit card back a month ago and they closed the case back in XXXX and they never took any money back. They charged me normal.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts mentioned below be blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$00.00} In addition, the following inquiries have appeared on my credit report, which I believe were caused by the data breach : XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid and settled with the company XXXX management and the they would not remove my collections status off from the reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XXXX  To : XXXX XXXX Equifax XXXX XXXX ( THIS IS NOT A DISPUTE-Duplicate ), " Method Of Verification I recently disputed these accounts with the credit bureaus as not verifiable from the Courts : XXXX, Bankruptcy-XXXX XXXX, Bankruptcy-XXXX XXXXXXXX XXXX Bankruptcy-XXXX XXXXXXXX, TX Child Support. I have letters from the Courts in TX, XXXX and XXXX, all three state they are not Furnishers nor Information Providers To Any Credit Reporting Agency. We both understand that investigations are often conducted using software, which can lead to errors and limitations in record verification.

I have already contacted the FEDERAL TRADE COMMISSION and filed a FTC as well as a complaint with your State Attorney General, which is also included with this correspondence. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is crucial that you, as a credit reporting agency, take swift action to ( Return In Writing ) all information related to this Method Of Verification. 

This statute requires credit reporting agencies to address such requests promptly, within four business days of receiving a complaint. I am formally requesting a description of the procedure your bureau used in providing all information to the ORIGINAL CREDITOR in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is require to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. 

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). If you are unable to conduct a reasonable investigation or can not locate the necessary documents to address my disputes, you are obligated by the FCRA to remove the negative information from my credit reports, which may include the complete removal of the account.

Additionally, the FCRA mandates that this misinformation should be permanently blocked from any future reporting attempts by your company or any related entities. If you have conducted a proper investigation and determined that the information is accurate, please provide me with a detailed explanation of the METHODS USED and the records reviewed during your investigation. I would like to receive copies of any documentation so that I can verify the accuracy of your findings and ensure a thorough investigation was performed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX responded to the complaint I filed against them regarding a closed account owned by them on my credit report. In their response, they mentioned, they reported to the credit bureau to delete the account. However, the credit bureau has neglected to do that and it's impacting my credit report negatively. The credit bureau is not following the FCRA Act. Next, I want to file a lawsuit for negligence with TransUnion. TransUnion has neglected to update my credit report and has accounts on my credit report that should not be.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing a collection on my credit report which has a original balance & past due balance showing which is going against consumer credit report Also showing activity on the account after the account has been in collections and reporting inaccurate information to the credit bureaus Also reporting dates are inaccurate and 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to XXXX or more consumer reporting agencies about the person 's transactions or experiences with any consumer
Product: Debt collection

I am here once again to dispute the late payment account that is being reported on my credit report. The account in question is as follows : XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any proof. As I am looking over my credit report, I have noticed that this account is being incorrectly reported as a late payment account with a balance due. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate information be removed from my credit report. I urge you to take immediate action on this matter and conduct a thorough investigation to ensure that my credit report is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Collections Account # XXXX ( XXXX XXXX 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 also states : a consumer reporting agency can not furnish an account without my written instructions.