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

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Request for Account Blocking and Deletion Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

**Accounts in Question : ** Loan XXXX XXXX XXXX with a balance of {$0.00} ( bank XXXX XXXX XXXX XXXX  XXXX a balance of {$0.00}, ( loan ) 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/XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

Sincerely, XXXX XXXX
Product: Debt collection

I discontinued my telephone and internet service with XXXX XXXX in XXXX of XXXX. I paid the XXXX bill of XXXX on XXXX/XXXX/XXXX. XXXX XXXX TV was bundled with XXXX XXXX phone and internet service and it took 2 months for them to stop billing me for XXXX and release me to pay them directly rather than through XXXX and they would not release me until I had a final bill from XXXX XXXX and had paid it. I paid XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I was told at that time that I had paid all I owed. I paid my XXXX bill for XXXX to XXXX on XXXX/XXXX/XXXX and continued to pay them from that point forward. In XXXX of XXXX I received a notice from a collection agency demanding payment of {$51.00} due to a balance due on my account with XXXX XXXX. This was 9 months after I had discontinued my service with XXXX XXXX and 7 months after I had been told by XXXX that I had paid the final bill with them. Rather than contact or bill me directly, they turned what they claimed I owed them over to a collection agency. I spent over an hour on the phone with several different people at XXXX XXXX trying to get an explanation for the charge. I was finally told that the amount came from money they paid to XXXX on my behalf. The problem is that I never missed a payment to XXXX. I had paid XXXX for XXXX and XXXX and then I paid XXXX directly starting in XXXX of XXXX. If XXXX XXXX paid money to XXXX after XXXX then they paid money that was n't owed and they need to talk to XXXX about refunding it. XXXX XXXX reported me to the credit reporting companies and my credit rating took a big drop from almost XXXX to under XXXX. I contacted the agencies and disputed the debt. They researched it and deleted it. My credit rating went back up to over XXXX. Then XXXX XXXX turned my account over to another debt collector and I got another demand for payment dated XXXX/XXXX/XXXX from the new agency. I assume they will report me to the credit agencies again and I will have to go through the whole process again. I do n't owe them any money and it is nothing short of harassment for them to be demanding payment from me. The debt they claim I owe is the result of their inability to manage their own account records.
Product: Money transfer, virtual currency, or money service

I would like to initiate mediation and/or arbitration and am getting stifled at every turn. 

There is no money .... all of what people generally know as " money '', save {$100000.00} in US currency, is borrowed and I'm not working for borrowed currency. It's just not going down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverifiable accounts on my credit report with experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
XXXX XXXX A/C # XXXX XXXX XXXX A/C # XXXX XXXX XXXX   XXXX XXXX A/C # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to Experian, XX/XX/XXXX, and XX/XX/XXXX to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition before you start, Absolutely nothing in my letter could reasonably given rise to the suspicion that it was not sent by me. The classification of my letter as " suspicious '' is an incredible stretch of the term. I did in fact write and send the letter in question and you are attempting to circumvent the statutory investigation period defined by the FCRA. You are still bound by the 30 day investigation period which has now lapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/XXXX, 15 USC 1681c Requirements relating to information contained in consumer reports ... 

A. Information EXCLUDED from consumer reports. ( B ) no consumer reporting agency may make any consumer report containing any of the following information : 1. Cases under Title 11 of the States Code or Bankruptcy act that, from the date of adjudication ( filing ), as the case may be, ante date the report more than 10yrs .... 

Remove the Chapter XXXX bankruptcy ... Fair Credit Report Act has giving direction in this matter. Youre never to report this information ... 

Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( 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 relates.. 

Equifax/XXXX, please remove the Chapter XXXX bankruptcy, all accounts and inquiries..
Product: Mortgage

I was under forbearance and I went to make a payment on XX/XX/XXXX of which I made a full payment and I was able to extend my forbearance another month to stay under the 12 months to not going to foreclosure. At that time the PennyMac representative expressed to me that as long as I made the minimum payment, I can stay under the forbearance protection until I get my finances in order. The next month XX/XX/XXXX I made the minimum payment of approximately {$350.00} and when I made that payment the next representative told me I was no longer under forbearance, and was only offered a modification which raise my interest and raise my payment and elongated my loan to 40 years. My interest rate is 3.875 % on a 30 year loan they want to raise it to a 6.8 % interest and extend a loan to 40 years raising my minimum monthly payment from {$2300.00} to XXXX and approximate dollars. I was misled and when I realized what the agent told me they told me that I can no longer make the additional payment to stay under the 12 month mark. I asked him to escalate it. I spoke with another representative who told me that I can make the payment via money gram of which I did for the balance to bring up to the minimum monthly payment of the {$2300.00} and she said that I still do not qualify for the forbearance extension, the payment option and modification option that they are giving me is not helping me in anyway, my finances are still not where they need to be. I am a father of XXXX married, and my children are all under the ages of XXXX XXXX XXXX I can not be homeless please help, I was gravely misled by the representative PennyMac on how I can maintain my payment in interest and I do not know what to do moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX  Accounts # 1-6, has VIOLATED My Rights. 

1. XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX 2. XXXX Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Acct # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15U.S.C 1681 Section 604 A Section A : It also States a Consumer Reporting Agency CAN NOT Furnish a Account without My written Intrusctions.
Product: Credit card

I received a copy of my credit history report from ( XXXX ). That Report contained incorrect information reported, someone stole my credit card use identify theft, call FEB Destiny remove charge, or verify.This negative mark is damaging to my credit. Please contract XXXX, XXXX and XXXX XXXX XXXX immediately to remove this information from my credit file.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify.The Fair Credit Reporting Act requires that you complete your reinvestigation of my request within 30 days. It has now been more than 30 days. 
I will assume that I have not received your reply because you have been unable to verify or remove debt.
Product: Debt collection

I have reach out to Navy FCU numerous times in regards to incorrect payment information, last payment date status and when the account was close. The information that is being reported are incorrect. They just reported I was 60 days late, yet the account is charged off.
Product: Checking or savings account

In XX/XX/XXXX, I was searching for a job at XXXXuspsXXXX and then after login, the scam website popup but I didn't know that a scam. They asked me to pay for {$49.00} and USPS guaranteed that I would get assessment, interview, and offer until 30 days. But if I didn't get any offer, they would refund money back. So, I paid for them. After that I can't find any job that I looking for, also the confirmation email and the link that they sent to me was not looked like. So, I asked my husband to contact to the bank to canceled that transaction. Finally, the bank helps me to disputed money back in XX/XX/XXXX. 

XX/XX/XXXX, I got alerted from the bank that I use money overdue. Then I saw they canceled the disputed transaction and cut it to the scammer. So, I contacted to scammer yesterday, asked money back but they said they will refund unless I registered, do assessment for 3 times and still don't get an offer. So, they send me the link to do again. I compared with uspsXXXX and it look similar. So, I registered for it. Again, after register I can't click to on any job. That homepage was a scam. 

My question is why the bank transfer money from their client to a scam as like they know that a scam. I contacted them by myself, I verified myself with my SSN with her, she said, she will called me back and hanged up the phone on me. She didn't call me back the same she said. I asked my husband called back in the eventing, he said the bank said I have subscribed with them so, it wasn't fraud and she can't helped. I disappointed and don't trust the customer service that working for the bank. ( USAA )
Product: Checking or savings account

On XX/XX/2019 I sent myself a check for {$440.00} from my unemployment account through XXXX XXXX XXXX. On XX/XX/2019 I had not received the check so! phoned their customer service. I was told the check was not sent and the money was credited to my account. I phoned customer service on XX/XX/2019 and was told I have to wait 30 days and file a complaint to get my money back. My car note has bounced due to this.
Product: Payday loan, title loan, or personal loan

Hello, my name is XXXX XXXX and on XX/XX/2022 I applied for a loan to repair my vehicle. I was approved for {$2000.00}, however today I was made aware that I still owe {$2400.00}, although I have made {$1100.00} in payments. I asked the representative why my principal had not been reduced, and I was informed that I am paying XXXX XXXX interest rate. 

According to my research, that is illegal in the state of California, and I would like attention to be drawn to the predatory practices of XXXX XXXX 

I can be contacted at XXXX or emailed at XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS XXXX XXXX XXXX You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and XXXX  for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian/ XXXX XXXX ( CEO ) XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

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 alleged identity theft. 

Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 US DEPT ED XXXX XXXX XXXX USDOE/XXXX XXXXXXXX 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 has violated my rights.

15 U.S.C 1681 Section 602 A. StatesI 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: Debt collection

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis claims it gets information from XXXX however they supply information to the three bureaus. 

I want the information related to my student loans be removed from the national lexis nexis credit file department of education XXXX
Product: Checking or savings account

Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$500.00} as offered by U.S. Bank. 

To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment XXXX contains the email I received from U.S. Bank, which clearly outlines the terms and conditions of the promotion. Attachment XXXX confirms that I opened my new account within the within the XXXX window. 

Moreover, Attachment XXXX displays my U.S. Bank transactions, demonstrating that I direct deposited total over {$10000.00} which met the requirement, all the eligibility criteria stated in the promotional offer. 

Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been over several months since I fulfilled all the requirements, and the bonus has still not been credited to my account, and everytime I contacted them, they would tell me I did meet all the criteria, but I have to wait another XX weeks, or XX months ( each agent had a different time frame ) I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$500.00} XXXX trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation
Product: Payday loan, title loan, or personal loan

I purchased furniture XX/XX/XXXX for {$1100.00}, and the retailer ( XXXX XXXX, XXXX, WA ) informed me that I could pay off the loan anytime for a {$25.00} penalty. Made payments per agreement for 3 months. Contacted XXXX  XXXX to payoff and was informed that I had missed the 90 day payoff window and the amount due has now DOUBLED. 

I have attempted to resolve with XXXX XXXX. I emailed them XX/XX/XXXX, called XX/XX/XXXX, called XXXX and was promised by XXXX XXXX that I'd have a return call from a supervisor within 48 hours ( never happened ), called XXXX six times, was transferred by to fax/modem screeching sound each time. 

All I want to do is payoff the account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I spoke to a representative of XXXXXXXX XXXX XXXXXXXX. On this call, I requested credit validation. I also stated to the representative that this also reporting inaccurate since the account is still being reported from the original creditor creating a duplicate entry/account. It has been over XXXX  days and I have not recieved and sort of credit validation documents. This account is unverifiable and is reporting inaccurately on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : XXXX XXXX XXXX Acct # XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX and I experienced financial hardship during the National Pandemic due to XXXX. I myself was unable to work due to shelter in place orders and my husband and I both contracted the virus which forced us both to quarantine XXXX times that year. During the year of XXXXXXXX we had XXXX late payments reported the Credit Bureaus for the months of XXXX, XXXX and XXXX. We spoke with representatives from the company at that time and they still reported late payments after we promised to make payments and fulfilled those payments. We have made on time payments consistently since XXXX of XXXX and when contacting them again today, I was told that there is nothing they can do to assist us and that we would have to go directly through the credit bureaus.
Product: Credit card or prepaid card

see attached doc I have been fraud out of money ( {$27000.00} ) by XXXX XXXX and company for software he didn't deliver .... then he lied to discover card whit fake claims and discover failed to help me or explain me y i have to pay on something i haven't received i have been promised by discover card call backS which never happened the main point is i haven't received anything from XXXX XXXX and discover is trying to make me pay for even if i dint get
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>