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

XXXX XXXX XXXX Has violated my rights. 
Account # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX Has violated my rights Acount # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX Has violated my rights Account # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX Has violated my rights Account # 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of items of information Any other adverse item of information, other than records of convictions of crimes which antedates th 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 age person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

After reviewing my credit report, I found accounts that aren't mine. These are hurting my credit, so I need them removed.
Product: Student loan

Last month I received a letter from Navient stating that there was an error in my consolidated loan- that the XXXX loans within the consolidation loan had different repayment schedules and that Navient was going to automatically switch my repayment schedule to the longest possible. The letter indicated if I wanted a different repayment schedule, I simply had to call Navient. I called the next day ( approx XXXX XXXX ), and tried to get the repayment schedule back to my previous schedule. This proved extremely difficult- the first call I could not reach a representative through any of the automated choices, and when I finally did reach a rep, she had to transfer me to a different section. I proceeded to wait on hold for approx 10 minutes and then instead of speaking to someone to assist me, I was instead connected to a satisfaction survey which asked about my experience. Considering I received absolutely no assistance, I would say the experience was pretty unsatisfying. So, I tried again, and reached a human fairly quickly, one who assured my the change request had been added to the account and that my next monthly payment would remain the same and not revert to the lower payment/longer payment schedule. I assumed this would be the case and I did not request verification in writing. Unfortunately, this month 's monthly payment just came out and I see that the lower amount ( corresponding to the longer repayment schedule ) was made and not back to my normal payment amount. 

I understand that the XXXX repayment schedules may not have matched up within the consolidation loan, and this may be a requirement, but I do n't see why it 's necessary for Navient to revert the consumer automatically to the longer repayment schedule since this inevitably costs the borrower more in interest. And what I really do n't understand is why it 's so difficult for a borrower to contact Navient and have the payment changed back to what the borrower originally wanted ( and had been paying without incident for over 10 years. ) I think it 's disingenuous to change a borrower 's repayment schedule without their consent- but it 's even more egregious to make it difficult, if not impossible, for the consumer to change it back to the option that will ultimately save the consumer thousands in interest.
Product: Credit card or prepaid card

Capital One account number XXXX is claiming that I have a balance with them for {$11000.00}. Yet they can show no validation that is competent evidence bearing my signature that shows I have a contractual obligation to pay them. 

Under the Fair Debt Collection Practice, they must show validation that bears my signature but they have failed to do so. Yet the continually report false and misleading information against my name. 

And by doing so they are violating the FRCA & CFCPA because they can not validate the debt and therefore should delete the information from XXXX, XXXX and XXXX. 

Capital One is in violation of federal and local laws and should not be allowed to continue damage my credit without validation showing my signature that I have any contractual obligation to pay them. 

Please help me in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I negotiated a settlement on an XXXX XXXX XXXX account with XXXX XXXX ( file number XXXX original amount {$1900.00} ). I have attached a copy of their letter agreeing to settle the bill for {$250.00} and remove the balance from my file. 

I have also attached a copy of my payment of this amount. 

They simply applied the payment to the balance and left a residual balance on my credit files. I disputed this with all three bureau and the balance remains.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Equifax any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX PULLED MY CREDIT ON XX/XX/2018 AND NEVER SENT LEETER OR VALIDATION. CEASE AND DESIST COLLECTION EFFORTS ANS CEASE CONTACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide proof that the detail in our last complaint was fixed. We've called multiple times today and we keep getting disconnected. Then our previous complaint is answered with " this is fixed ''. We in no way believe this statement as when we tried to pull a new report, it asked for my wife 's maiden name and not current name.
Product: Checking or savings account

I asked for a XXXX transfer The bank asked for. XXXX and a XXXX And stole the XXXX Claiming it was due to return fees for the XXXX When I only asked to pull XXXX They thereby stole my XXXX
Product: Credit reporting or other personal consumer reports

Please delete this fraudulent account and inquiry from my credit report. I have included the identity theft report. 

Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Victim of identity theft, numerous accounts opened in my name. Please close account, do not send new cards, and remove account off of all XXXX credit agencies. 
Citibank was asked to close all accounts in XXXX XXXX, remove all e-mail communications, and continued to send numerous cards and account numbers. All accounts disputed. I opted out of arbitration with Citibank after receiving a letter from them stating it had to be done by XXXX/XXXX/XXXX. I sent an Opt Out of arbitration on all accounts on XXXX/XXXX/XXXX and received documentation from Citibank that out of XXXX accounts addressed out of XXXX that XXXX account did not meet the criteria for Opt Out because it was received after their deadline, when all were sent on the same day. I have sent FCRA documentation with identity theft report, police report, and documentation of identified Banks that had closed accounts. I received a Collection letter originating from a Citibank account ending in XXXX that was sent XXXX XXXX, XXXX from a XXXX XXXX XXXX. Then, I received a letter from Citibank that was sent regarding the same account that was sent XXXX XXXX, XXXX that stated that if I did not contact them by XXXX XXXX, XXXX the account would go into collection after I had already received a letter from the XXXX XXXX XXXX on the same account. I still get e-mails about accounts I have no idea what they are after requesting no e-mail communication by Citibank. Privacy settings were changed through Citibank when I never initiated anything online. Citibank continues harassment and intimidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has an account on my credit file for a charge off of  XXXX . This. Account has since been sold to  XXXX   XXXX   XXXX   XXXX   XXXX  who is collecting the debt and threatinf to report to the Credit Bureau. I want   XXXX   XXXX    information removed since they are no longer collecting and I 'm working with   XXXX   XXXX   XXXX    XXXX   XXXX .
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX Subject XXXX Second Notice - Follow-Up on Charge-Off Dispute and 1 Request for Documentation Regarding Account XXXX On XXXX1 sent you a formal dispute letter regarding the l reporting of the charge-off account associated with XXXX on my credit report.In this letter, l requested the following : 1. Authenticated double-entry accounting.records. for the account.

2. Authenticated evidence, including original signed contracts.or agreements, verifying the legal right to collect and report the debt.

3. A copy of the 1099-C form, if the debt has been canceled or settled 1 for less than the full-balance.

I requested a response within 30 days of receipt of the letter, but l-have yet to receive the requested documentation.or confirmation that the account has been deleted from my credit report. This lack of response constitutes.an failure to meet your obligations under the Fair-Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681i ( Reinvestigation of Disputed-Information ), 9 as well as 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers.off Information ). 9 Furthermore, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX proper investigation of disputes and verify the accuracy of information reported to credit bureaus. Your failure to respond and provide the requested documents is a violation of both your federal and state legal responsibilities. 
In light of your failure to comply, I am sending this follow-up letter to request an immediate response. If I do not receive the requested information within 15 days, I will be forced to escalate the matter further, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) for non-compliance with the FCRA. 
Pursuing legal remedies, including statutory and actual damages, as permitted by law.

Reporting this matter to the IRS and submitting a Suspicious Activity Report ( SAR ) regarding any potential fraud, should you continue to report inaccurate or unverifiable information.

This will be my final attempt to resolve this matter directly with you. Please respond with the requested documents or confirm the deletion of this account from my credit report by 15 Days from the Date of This Letter Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft, accounts listed have been opened fraudulently without my knowledge of consent. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Also the following names are incorrect please remove ; XXXX, XXXX, XXXX Incorrect addresses ; XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Incorrect employer ; XXXX  Attached is a copy of my FTC Affidavit, Dispute Letter, SSN, CA ID
Product: Credit card or prepaid card

Total Balance Due on the Account was {$32.00} ( XXXX XXXX  and XXXX XXXX ) as of Saturday ( XX/XX/XXXX ). ACH Payment made by phone for the exact amount ( {$32.00} ) on Saturday ( XX/XX/XXXX ). Confirmation # XXXX - which should have XXXX ( {$0.00} ) balanced the account. 

The Creditor refused to recognize the payment as on-time based on various cut-off times listed on the back of the statement. The account has steadily accrued interest and late fees to The Balance Due is now {$300.00} and is displayed as a negative CHARGE-OFF item on my credit reports ( specifically XXXX  ). After conferring with the creditor by phone and by documentation, they refused to recognize my on-time payment. After making several attempts with the Creditor to resolve this issue, I requested ( by phone and by letter ) that the account be closed out on XX/XX/XXXX. 

I would respectfully like to request the following : 1 ) The Late Payments be removed from my credit report for the following months : XXXX thru XX/XX/XXXX. 
2 ) The Charge-Offs be removed from my credit report for the following months : XXXX and XX/XX/XXXX. 

Note that I was referred to your Agency by the XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

My father is XXXX XXXX XXXX, and is in the last stages of XXXX XXXX. At this time he has no financial assets left. He lives in a XXXX facility and is currently being supported by my siblings. In late XXXX of 2023, my mother passed away. Due to my XXXX  loans, which I unfortunately had my father cosign on, all credit they held was in her name alone. When she passed all of their credit cards were shut off and he is unable to get credit. HE has no assets left for the student loans to attach to. He has a loan against his car, he has no home, no IRA. My brother pays the rent on his XXXX XXXXacility. I am currently paying the student loans with auto payment, and they are current. At this time the sole purpose of leaving my father on the loan for Navient is to cause him harm in what will be his final year of life. I am not asking for the cancellation of the loan, I just want him removed from being harmed.
Product: Credit card or prepaid card

Ive carried several Citibank credit cards for years and have never missed a payment. My balances are high relative to the card limits. This has negatively impacted my credit scores. Therefore I have been working to reduce the proportion of credit used. However, the company has suddenly reduced the limit on each card even though I have not been late on any payments. This counteracts all my efforts to reduce the proportion of credit used. It seems shocking that they would do this in the midst of the epidemic. Is this legal?
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX and XXXX did. 
I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below This account should not reflect as negative : XXXX. XXXX XXXX ACCOUNT # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name : XXXX XXXX & Account Number : XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Checking or savings account

I keep an online savings account with Ally bank. For more than a year now, I have had same-day transfers and I utilize the feature several times a month. For no reason in particular, Ally failed to make two XXXX transfers I requested and also a XXXX - show normally instantaneous - then also froze my account. 

Ive called more than 5 times now. 

I am a self-employed single parent who just XXXX my foot. I moved as well. I have a XXXX XXXX XXXX for whom I need access to this money so that I could childproof my new apartment, buy supplies and do any number of normal every day things when you move. 

On my first initial phone call, representative advised me that I made a transfer to a closed account that I have. However, in reviewing the set up of my account myself, I see that there is currently only one option available for transfers and that is my active XXXX checking account. The same is true for XXXX - there is only ONE recipient available! 

My experience as both an accounting professional and just an intelligent commonsense individual, it looks like their computer systems have malfunctioned, again. 

Because of their mistake, they took away my same day transfer of cash and Im now stuck with my funds in limbo, having left their account but not yet in my checking with XXXX, which is now overdrawn by more than {$1000.00} across two accounts. 

XXXX, whom I just spoke to in Loss Prevention claimed all supervisors were in a meeting so there was no one higher to help. This is a computer issue and she cant override it.
Product: Debt collection

chase bank has continued to send me letters, stating XXXX that I do not owe, it has been sent to a collection agency, I have been told that I will not be able to have any other bank available to me. unless this debt is taken care of
Product: Credit card or prepaid card

Hi there, I got the upgrade offer for my American Express credit card in XX/XX/XXXX, it was spending {$2000.00} then I will get {$250.00} statement credit. I applied the upgrade and met the spending requirement on XX/XX/XXXX. I contacted AMEX many times about this {$250.00} credit wasn't added to my account, they just said I need to wait more time. Today they said their marketing team refused to issues this {$250.00} credit to me because I have done this offer in XXXX. But the offer 's term didn't mention it, and the offer was showing in my online account before I clicked the upgrade my card bottom.
Product: Checking or savings account

On XX/XX/2018 I was a victim of identity theft. I was called by the branch manager at M and T bank saying that people were calling to be me and that I have had two activities on my account that were suspicious. One being a purchase at a shell for XXXX and the other is a XXXX at an ATM in XXXX XXXX, NY. I've filed a police report with the XXXX and the bank filed a dispute. The dispute for XXXX was given back to me. The XXXX has yet to be refunded and the bank has not been of any help or assistance to give me the XXXX. The last time the bank told me the case has been closed and told me to write a complaint letter which I did. The regional investigator accused me of taking out the money when he never spoke with the detective on the case and also the regional investigator also verified the recording of the people calling the bank pretending to be me was not me. I'm very irritated with M and T bank and would like my money back so I can finally switch banks.