23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a credit card from JCPenny in approximately XX/XX/XXXX which at the time when the initial credit line was given the owner of the line of credit was GE Capital. I have faithfully paid for my credit balance since that time and even recently paid off the complete balance toward the beginning of this year XX/XX/XXXX. It was at this time when Synchrony Bank acquired the accounts from GE for all JCPenny accounts. I was recently notified after the fact that Synchrony Bank had closed my account without relevant reason and without provocation or even my consent or knowledge. Without my consent or knowledge they obtained my current credit score which is what they stated they used to determine to close my account which negatively affected my credit standing even further and again without provocation.
Product: Checking or savings account

I've recently filed a fraud complaint with Navy Federal Credit union for the amount of {$500.00} and some change. Not even a day later, they deny it and let me know i'm responsible for the full amount when I didn't authorize ANY of these transactions. I've also reached out to them twice online, and once in branch to block a transaction that keeps trying to pull {$100.00} out of my account EVERY SINGLE PAYCHECK. The fact that Navy Federal isn't allowing me to block a company that continues to pull {$100.00} out every paycheck is alarming. The second fact that Navy Federal isn't thoroughly assisting members with their fraud reports is another alarming thing. This bank has grown to hit me with SHADY tactics since my bankruptcy has been discharged.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have a collection on my credit report that was opened on XX/XX/2020 for {$1800.00} that I was not aware of until this year when I checked my credit score, it brought my credit score down. I have been through a lot during this pandemic and still going through a lot of financial situations and Im unable to pay this amount and need it remove please because I was not aware that I owed this amount
Product: Mortgage

Hi, I have a home loan with Bank of America and my mortgage was about XXXX monthly. 
For some reason my taxes went up where I was included to a different percentage rate once I was classified as investor and not owner living in the property. 
So I got in touch with the county and they fixed and I sent to the bank all paper work, but when I called the bank they did not corrected my mortgage payment once my escrow was showing I own the bank almost {$2500.00} and my mortgage jumped to $ XXXX monthly. I told them I could not afford to pay that amount and it was adjusted to {$1500.00} which for my budget still high. 
I know the county still have to send me or to the bank a refund but I have no idea how long that will take. 
I guess the fight should be done between bank of America and the county, I do n't see a reason to pay for someone 's mistake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A secured loan opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the the account number XXXX, A charge card opened at XXXX  on XX/XX/XXXX under the account number XXXX, A secured loan opened at XXXX on XX/XX/XXXX under the account number XXXX, A charge card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, A debt buyer opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the Account number XXXX, A debt buyer opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account number XXXX, An installment opened at XXXX XXXX XXXX  XXXX on XXXX XXXX, XXXX under the Account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I enrolled at XXXX XXXX based on lies that the enrollment person said to me. First off, I was lied to about the loan process and how many loans I would have. I was told I would have 1 private loan and 1 Federal loan. I ended up having 9 different loans. 3 Private and 6 Federal. I was also lied to about credits transferring to other schools. None of my credits can transfer. I have called 4 or 5 different schools and none of them will accept XXXX XXXX credits. I was enrolled from XXXX to XXXX. I did complete my degree but have been told many times that the degree isn't worth the paper it is printed on. I am lost and have no idea what to do. I was lied to from the get go. My loans have grown from {$40000.00} to $ 60,000+. I am currently paying on the Federal loans through an IBR which has been a struggle from time to time. I'm not rich and I live week to week like most folks do. At first the payment was around {$54.00} a month for the first year. The next year it went up to {$140.00}. And now the payment is {$360.00}. I can't afford this at all. I am paying on a degree that is worth nothing. I have had other folks that I attended XXXX XXXX with and they have somehow had their loans discharged completely. When I contact Navient I get told that they can not discharge the loans. I really need help. I have started contacting Lawyers to find out my options based on being taken advantage of and lied to by the school and the loan provider. I went through a job interview and the gentleman was looking over my resume and laughed because I attended XXXX XXXX. He said that it was a school built on lies and that the degree isn't worth anything. And in all my research it is true. No school will accept it and I have been told that I will have to start from scratch again to obtain another XXXX degree.Please Help
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below :XX/XX/XXXX30 Days Late in XXXX XX/XX/XXXX30 Days Late in XXXX and XXXXXX/XX/XXXX 30 Days Late in XXXX  XX/XX/XXXX 30 Days Late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 90 Days late in XXXX  XX/XX/XXXX 90 Days late in XXXX and XXXX XX/XX/XXXX 60 Days Late in XXXX XX/XX/XXXX 60 Days late in XXXX and XXXX XX/XX/XXXX 60 days late in XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there are issues with the way they receive my payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX Re : File Number : To Whom It May Concern, Consider this letter a formal instruction and unequivocal authorization to immediately remove and delete the inquiry made by XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from both the consumer report and file associated with the SSN and File Number referenced above. I expect full compliance with this demand, as it is well within my rights under 15 U.S. Code 1681 of the FCRA and 16 CFR 313.3 ( o ) ( 2 ) ( D ).

Failure to comply with this directive within 5 business days from the date of receipt of this notice will be viewed as a deliberate violation of my rights, and I will not hesitate to pursue all legal avenues available to rectify the situation and seek appropriate remedies.

To emphasize the urgency of this matter, I demand your immediate attention and action. Remove the aforementioned inquiry without delay and ensure its complete eradication from all pertinent records.

Attached for your reference and verification are the following supporting documents : 1. FTC IDENTITY THEFT REPORT I expect a written confirmation of the inquiry 's removal within a reasonable timeframe, affirming that my consumer report and associated file have been thoroughly purged of this derogatory information.

Take this demand seriously, as any further delay or noncompliance will be met with swift and decisive action. 
Regards, XXXX XXXX
Product: Debt collection

Convergent Outsourcing Inc is currently reporting on my XXXX, XXXX XXXX XXXX consumer reporting bureaus that I owe their company, {$380.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Convergent Outsourcing Inc & myself, legally listing Convergent Outsourcing Inc as a person/company entitled to enforce a commercial claim against me. On XX/XX/2023 ( document enclosed ) I mailed & faxed a letter to Convergent Outsourcing Inc . It was NOT a request for verification or validation. This letter was a demand for proof of contract to substantiate Convergent Outsourcing Incs claim to XXXX, XXXX & XXXX that I am indeed the correct person that owes {$380.00}. Convergent Outsourcing Inc responded back by mail with computer generated documents and NO documents contained my wet signature to substantiate their claim. Nevertheless, no document was notarized through the presence of a notary public, who duly swears the copy made ( and sent to me ) is in fact a copy of the original paper contract in question. I corresponded back by mail and fax on XX/XX/2023 and Convergent Outsourcing Inc has ignored my legal demand for information. Convergent Outsourcing Incs documentation provided is misleading. Convergent Outsourcing Inc has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block.Inc ) due to inadequate customer service and unfair practices. Which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair, and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

According to section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is crucial for consumer reporting agencies like XXXX and XXXX to carry out their responsibilities with fairness, impartiality, and respect for the consumer 's privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by section 6801 of the same Act. This section emphasizes that financial institutions have an ongoing obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information.

The term " Furnisher of information to credit agencies '' refers to a financial institution, as defined in the Act. Section 604 ( a ) ( 2 ) of 15 USC 1681 states that consumer reporting agencies can only furnish a consumer report if they have written instructions from the consumer in question. In this case, neither the financial institution nor the consumer reporting agencies ( XXXX and XXXX ) have my consent or written instructions to furnish my information. 

Furthermore, section 6802 ( b ) ( c ) of the Act specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' failed to inform me about this right.

Additionally, section 1681C ( a ) ( 5 ) of 15 USC states that consumer reporting agencies are prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ). It is evident that the actions taken by XXXX, XXXX, and the " Furnisher of information to credit agencies '' go against these regulations. 

Therefore, I hereby revoke any and all consent given to XXXX, XXXX, and the " Furnisher of information to credit agencies, '' whether it was verbal, non-verbal, written, implied, or otherwise. It is essential that these entities respect my rights and adhere to the provisions outlined in the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have attempted to contact the credit bureaus : XXXX, Equifax, & XXXX  and they have been unable to assist me in this matter. I let them know the following items need to be removed & submitted the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

I have attached a signed & notarized copy of FTC Identity Theft affidavit. I would like to have the items mentioned on the report removed immediately as this situation is negatively affecting my report with inaccurate information. I have attached copies of my IDs for identity verification.

By the provisions of the Fair Credit Reporting Act & FTC Affidavit, I ask that those items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this process within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.

Enclosed are the following : A copy of my credit report I received from the bureaus. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

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

I have an Account ending in XXXX through XXXX XXXX  but NEVER use it. However, in XX/XX/2022 I was charged XXXX for " XXXX XXXX '' using this card. I was never made aware that this was going to be charged or that it was charged in the first place. I would have NEVER used this card for a purchase and IF I did, I would pay it right away. The card is linked to an old email I do not use either. This charge was ran without my consent. Several months later I received a phone call from XXXX XXXX  informing me I was delinquent on this account. I was shocked as I had NO idea there was even a balance, let alone reoccurring late fees AND a ding on my credit. = ( I take GREAT pride in my credit and strive to NEVER be late. Immediately upon learning of this charge I contacted the bank, paid the entire bill and then filed a dispute with XXXX but I haven't heard anything and regardless of the fees incurred, I am MORE concerned with having a LATE ding on my credit report. I was told by a family member of the Consumer Financial Protection Bureau and thought I would reach out in hopes I can get the LATE payment removed from my credit report. Please reach out to me anytime for more details or any further information on this matter. XXXX or email XXXX or XXXX XXXX
Product: Credit card or prepaid card

Id Name XXXX XXXX. XXXX ss # XXXX. I had maxed my credit limit on my US bank credit card # XXXX expiration date XX/XX/XXXX. I made a payment of {$63.00} XX/XX/XXXX while online and speaking with a representative, the representative proceeded to process another payment of {$63.00} which was not my intent because the second payment overdrew my banks account. I asked for the second payment to be refunded, which was granted. I then proceeded to my person bank when my checking account is held to consolidate this loan with my medical credit card ( XXXX XXXX ) so I could better handle my payments being that I am recovering from an illness/surgery. I was charged interest and late fees. The late fees was refunded. The problem began when I sought the true balance and was given this amount {$2300.00} on XX/XX/XXXX ( cashier check # XXXX from XXXX  XXXX XXXX XXXX ) only to be informed via my online statement that showed a different amount and me having a balance due amount of {$63.00} on XX/XX/XXXX and upon contacting the bank the representative tried to convince me that I still owed that amount. On XX/XX/XXXX there is a charge of {$29.00} on a purchase when I purchased nothing. Interest charge of {$.00} on a balance transfer. I never heard of this when I am paying the balance as I knew it to be. Then there as a {$4.00} charge for a cash advance, where did this come from? Today according to my online statement there is a new balance due of {$95.00}, where this come from, and how can the outstanding amount due continues to grow when the payment date haven't arrived. 
I am getting the impression that US Bank doesn't want me to pay off my account and is adding charges thinking that I am a female senior who doesn't know how to read and or do basic math and will just pay the amount shown and if not the above state fees will continue mounting. This is unfair business and banking practices. This is equivalent to payday loans or loan sharking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am a natural living person and no credit repair organization is representing me. 

On XXXX, XX/XX/2022 a complaint was submitted to Experian due to incorrect information on my consumer report ( ID XXXX ). Experian stated in writing that they verified the information, but they failed to provide me with strong evidence of their investigation. 

Since your company provided no information or evidence of substance ( such as an original consumer contract with my signature ) it leads me to believe that a proper investigation was not conducted ; therefore, Im questioning the accuracy and integrity of your response according to CFR 1022.41 ( d ) ( 2 ) ( 3 ) ( i ).

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the account listed. Your failure to effectively verify this account has hurt my ability to obtain credit and general reputation. Under the FCRA, unverified accounts must be removed and if you can not provide me a copy of the verifiable proof, you must remove the account listed in this complaint. 

I am also requesting a complete annual file disclosure as required under section 612 ( a ) of the FCRA, 15 U.S.C. 1681j ( a ), via mail. 

Notarized letters and a copy of my identity have been included and sent via certified mail to the address provided in the complaint id listed above.