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

I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request that compromised information be removed to protect my identity and credit standing. 
Accounts to Block and Delete 1. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$140.00} 2. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$430.00} 3. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Inquiries to Block and Delete 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XXXXXX/XX/XXXX 21. XXXX XXXX XXXXXX/XX/XXXX 22. XXXX XXXX XXXX XXXXXX/XX/XXXX 23. XXXX XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX 27. XXXX XX/XX/XXXX 28. XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I recently met with my Realtor regarding my purchasing a new home. After pulling my credit report. I was informed of a collection from IC Systems. I saw this previously and disputed. This collections with XXXX. To no avail, as always XXXX sided with the Credit collection agency. Without receiving any proof of validity. So I went looking for any paperwork. I never signed an agreement or authorization with XXXX, or IC Systems.I also, did not sign an agreement of recurring monthly payments with XXXX or IC Systems. I was asked if I 'd be interested in signing up for Optimum Wellness Plan. That was it.I was charged for a Wellness Plan.I was charged for my 1st month payment.I was never given or received a copy of a signed agreement, nor was I informed that I ' d be charged a monthly recurring fee. I wouldnt have agreed to that. Seeing as I never utilized the Wellness Plan.I received the attached document that I was given. No signature b/w myself or XXXX or IC System.
Product: Credit card or prepaid card

Capital one credit card company is assuming they can charge me a annual fee. This fee is being charged after I already closed the account. I also have paid the complete balance + interest in full. Capital one states I didnt close the account soon enough. Although while I was in the process of closing this account. While on the phone with Capital one customer service team. It was explained to me at that time, that the annual fee would be dropped. And there would no longer be any type of balance on the account. Furthermore there would be no other payment expected or fees I would be financially responsible for moving forward. Again I made the full payment over the phone of {$43.00}, which was the full balance owed at that time. Again It was explained to me after contacting them on 2 separate occasions. That the annual fee was already removed. And to ignore the statements i had received in the mail. And please not to worry it was all taken care of. Again customer service said I no longer had an outstanding balance on the account. After which still receiving bills in the mail. As well as making several phone calls later explaining this to them. They now refuse to drop these charges and mounting late fees. I do not feel I should be responsible for a service. A service I fully explained to them I no longer wanted. And was closing at that time. And again told over the phone by their customer service agents 2 x. That there was no longer a balance on the account. I was a good standing customer with Capital one credit card for 11 years. I simply asked them - Why if this membership fee was explained to me, and I was aware of the terms as they now claim. Why then would i choose to to wait so long to close the account. Especially if I knew i had to pay the annual membership fee? Why would i have not just left the account open. And furthermore used the services i paid the membership fee for? Their customer service did not direct or provide me with the proper information. Furthermore i was never sent anything in the mail from them explaining such. I refuse to make payment for a service I cancelled on good terms to my understanding. And or pay on late fees for money i did not or do not rightfully owe
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$7100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept XXXX XXXX XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Mortgage

I applied for a loan modification with BOA back in XX/XX/XXXX because I could not afford mortgage payment, after almost of two years drugging modification 's process, with so many irregularities and delays, BOA offered me interest rate 1 % higher than the existing obligation. At this juncture, I have informed BOA on XX/XX/XXXX by fax, that I have elected to opt-out of the modification plan. My Customer Relation Manager, XXXX XXXX, informed me that will take XXXX business days to process it and I wo n't be in modification status. I applied for " XXXX '' program and I would qualified if I remove taxes and insurance from my monthly payment. BOA 's escrow department can not remove impound because my Customer Relation Manager, XXXX XXXX, does not want to remove warning code XXXX and lockout code XXXX that are saying that I am still in modification mode, but she sent me a letter on XX/XX/XXXX that BOA are no longer considering my request for a modification. This situation is preventing program " XXXX '' from being able to pay my mortgage payment as the current payment including impounds exceed their eligibility limit of {$3000.00} per month and I am currently unemployed and can not afford my mortgage payment. I called around XXXX times escrow department, customer services department, etc..but everybody told me that only my Customer Relation Manager, XXXX XXXX , can remove those codes. Since XXXX, I called and left a message to my Customer Relation Manager, XXXX XXXX, and her manager XXXX XXXX # ( XXXX ) XXXX so many times but they never call me back. This situation is putting huge stress on me and my family. I NEED HELP with this situation because my family is fooling a part from all this stress.
Product: Debt collection

Didn't even know I had a bill from paid my bill off and it was over.then a year and a half later I received a letter saying I owed money. don't know why!!! It said I owed {$130.00} but would settle for $ XXXXSo I called them to find out what was going on. They told me this and it was on my credit report, So I did not want that so I said if I pay this will you take it off the credit report? They said yes. So I paid for it on XX/XX/23. It is still on my credit report today!!
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2022 AM XXXX FIN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I have inquiries that were unauthorized. They were all on the same date ( XX/XX/2022 ). Please remove these, as they are hurting my credit score. I have also conducted a FTC Report.
Product: Credit reporting or other personal consumer reports

In accordance whit they Fair Credit Reporting Act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have they rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumir reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an account listed on my credit report that I believe is result of identity theft.
Product: Checking or savings account

I am an XXXX. I had a client trust account ( IOLTA ) with XXXX XXXX, which was recently purchased by Pacific Premier Bank. On XX/XX/21, I deposited what I believed to be a certified check from XXXX ( {$75000.00} ) which was purportedly a " client 's '' settlement check. I asked the teller what the hold time on the check was. He said there was no hold time because it was a certified check. I asked how long before the check actually cleared. He said usually quickly. The next day, XX/XX/21, I went back and asked the same teller if the check had cleared. He said funds were available. I said that I needed to know if the check had cleared ( I already knew funds were available from the previous day ). He called over the assistant branch manager, and they reviewed something on the computer, then said the check had cleared. Based on that information, I then wired the money to the " client. '' Three days later, the bank notified me ( on XX/XX/21 ) that the check was counterfeit and that my IOLTA account was overdrawn. Initially they said the bank would cover the loss, but changed that in subsequent days. On XX/XX/21, I signed paperwork for Pacific Premier to try to get the funds back from the receiving bank ( XXXX ). The next week, Pacific Premier told me they were able to get back ~ {$47000.00}, but that ( according to them ), I owe the difference. 
I asked if they initiated a fraud investigation, they said they won't. I asked if they contacted law enforcement, they said no. I am the victim of fraud, and they are not helping me or law enforcement to find the perpetrator. Also, on XX/XX/21, the assistant branch manager told me that another branch of Pacific Premier had recently experienced a similar scam, involving the same " company '' as in my case. But that branch did not send an alert to other branches. Had they done so, my branch might have noticed the same company name on the check, and this could have been prevented. The bank did not take reasonable steps to watch for a known scam, they said the check had " cleared '' when it had not ( and I relied on this information ), and they failed to report the fraud scam to authorities, or to help me identify who scammed me. This is a serious breach of their fiduciary duty to me, their customer.
Product: Debt collection

On X/XX/17 I received an alert from a credit monitoring service that I am subscribed to that the following company had added a collection account to my XXXX report. I did not receive a dunning letter therefore I did not have a chance to dispute or validate the debt. I would like this account removed from all 3 of your credit reports immediately, as I am sure I do not owe the company, and was not given a fair opportunity to dispute this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate correction of the following erroneous information on my credit report : 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 reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you
Product: Payday loan, title loan, or personal loan

Please see attached supplemental information for this business. Attempting to payoff the loan for four weeks! Business is UNABLE to provide online access. Business has no record of my account when I call customer service. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX Credit Bureaus is reporting hard inquires that was not authorized or given consent to to pull my credit file. However, I noticed several soft inquires on multiple occasions which could possible be a error which is why have asked for an investigation into this matter, 1. ONEMAIN  INQUIRY HARD PULL XX/XX/2022, ALL OTHER ONEMAIN  CREDIT PULLS soft pull DATES ARE XXXX. I HAVE NEVER AUTHORIZED OR GIVEN CONSENT TO THIS COMPANY TO DO A SOFT OR HARD PULL ON MY CREIT REPORT NOR DID EVER COME IN CONTACT WITH THIS COMPANY.. 

XXXX XXXX I HAVE NEVER AUTHORIZED THIS COMPANY OR CONSENTED TO THIS COMPANY PULLING MY CREDIT AT ANY TIME.
Product: Checking or savings account

XX/XX/XXXX and/or XX/XX/XXXX : no direct deposit in the amount of {$1700.00}. Call the XXXX number and was advised that there wasn't a date that my deposit was be available. 

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer and all other incoming deposits. Capital One has cited technical issues that may violate the Electronic Funds Transfer Act ( EFTA ), which requires timely access to funds. This situation raises concerns about the consumer protection laws, and I request your immediate assistance due to overdrafts and late fees for return items due to deposits not being available. Your assistance in this matter will ensure my rights are upheld. 
Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a joint checking account with my mother in law with KeyBank on XX/XX/year>, at a branch in person. A week later, she was asked to provide proof of identity, which we did by submitting a state ID and Social Security card at the same branch where we opened the account. 

Subsequently, I received an email from the branch stating that the restriction on my account had been removed and that I should be able to use it. However, when I attempted to access my account, I found that the restriction was still in place. 

I contacted KeyBank customer service for assistance, but I was put on hold and did not receive any help. I then visited another branch in my town to withdraw cash, but I was informed that I could neither access my funds nor close the account due to the restriction. 

It has now been 18 days since this issue began, and I am still unable to access my money or close the account. 

I request that this matter be addressed urgently and that I receive assistance in accessing my account or closing it. Please provide a prompt resolution to this situation.
Product: Checking or savings account

I am trying to link my savings account to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a further dispute letter to the credit reporting agencies on XX/XX/, asking them to remove or correct any disputed accounts that I believe are incorrectly reporting information about me in my credit file within the legal time frame. All accounts and information must be updated and/or deleted within 30 days of the date the dispute was received in line with Fair Credit Reporting Act section 1681i. Since I have been disputing the disputed accounts for so long, it is evident that the credit bureaus have steadfastly refused to comply with all of my demands. I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to ask the credit bureaus once more to rectify or delete the following accounts as soon as possible : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} XXXX XXXX  Bankruptcy Reference # : XXXX. The disputed accounts that are incorrectly reporting information on my credit file must be addressed as quickly as feasible by changing the status of the accounts or eliminating them entirely from my credit file.
Product: Student loan

I currently have XXXX loans with Navient for which covered my school fees, books, and living expenses while I attended school at XXXX XXXX. I at the time of applying for the loans I had a family to support and my school advised to borrow money for living expenses because we were not allowed to work. I graduated from XXXX XXXX in 2006. My loans were in forbearance for a few years. When began paying my loans I could not afford to pay the monthly charges so Navient placed me in an interest only payment program where very little was applied to the principal. I had been paying on these loans for the past several years interest only until last year I became sick had a nervous break down due to the stress of my student loan payments and family obligations. 
Time and time again I requested a more affordable plan but they would only offer interest only. I have since stopped paying because I cant afford to pay and I have family obligations. I do have co signers but they too can not afford to make the payments. I feel I have way over the amount needed to Navient. I am unable to do anything to afford me to even pay my federal student loans. I would like to be apart of a law suit against Navient to be XXXX from my loans. Thank You