23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes and concerns. 
Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A FEDERALLY PROTECTED CONSUMER AND I AM MAKING A COMPLAINT AGAINST EXPERIAN REPORTING OF XXXX XXXX XXXX ACCT # XXXX. THEY HAVE BEEN VIOLATING MY CONSUMER RIGHTS ACCORDING TO THE FAIR CREDIT REPORTING ACT. AFTER LOOKING AT THE CONSUMER LAWS IN THE FAIR CREDIT REPORTING ACT I SEE I'M BEING VIOLATED BY EXPERIAN WITH THE REPORTING OF XXXX XXXX XXXX ACCOUNT. THE ISSUES FIRST STARTED WITH XXXX XXXX XXXX WHEN THEY TOOK OVER THE " AUTO LOAN '' FROM XXXX XXXX XXXX XXXX WHEN THEY WERE BOUGHT BY XXXX XXXX XXXX THEY STARTED MONTHLY REPORTING ON MY CONSUMER REPORT 60 DAY LATE ON 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. THIS IS CLEARLY ERRONEOUS, INACCURATE, REPORTING ACCORDING TO THE FAIR CREDIT REPORTING ACT. AND THIS IS DAMAGING MY CONSUMER REPORT AND MY CONSUMER FICO SCORE AND I'M PAYING HIGHER RATES FOR THINGS NOW DUE TO THIS INACCURATE REPORTING AND I HAVE BEEN UNABLE TO OBTAIN NEW EXTENSIONS OF CREDIT AND A HOME LOAN DUE TO THIS VIOLATION REPORTING ON MY CONSUMER REPORTS. FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. I HAVE REPORTED THESE ISSUES WITH FURNISHER AND HAVE BEEN POINTING OUT THE FCRA VIOLATIONS TO XXXX XXXX XXXX WITH EXPERIAN AND IT KEEPS COMING BACK 'VERIFIED '' WHEN THERE IS OBVIOUS INACCURACIES BEING REPORTING ON MY CONSUMER REPORT. UNDER THE F.C.R.A. I HAVE FEDERAL CONSUMER RIGHTS AND IM CALLING ON THE CFPB TO ENFORCE THE FCRA AND HOLD EXPERIAN ACCOUNTABLE WITH THE REPORTING OF XXXX XXXX XXXX ACCT # XXXX. BE HELD ACCOUNTABLE FOR NONCOMPLIANCE OF THERE INACCURATE REPORTING THEY ARE DAMAGING MY CONSUMER REPUTATION. AT THIS POINT I HAVE SHOWN YOU THE VIOLATIONS OF THE FAIR CREDIT REPORTING ACT THAT ENTAIL INACCURATE, ERRONEOUS, UNFAIR BY EXPERIAN AND REPORTING THE XXXX XXXX XXXX ACCOUNT. I AM NOW ASKING THAT EXPERIAN REPORTING OF THIS XXXX XXXX XXXX ACCT # XXXX BE DELETED EXPERIAN IS SHOWING THEY DONT COMPLY OR ADHERE TO THE F.C.R.A. WHICH IS FEDERAL LAW.
Product: Credit reporting or other personal consumer reports

Previously in XXXX modified loan to different amount to catch up on bills. The in XXXX when hurricane XXXX hit, this impacted my ability to pay current due. But I was in contact with the company several times. I signed paperwork for a modified loan and as soon as that was modified, they would process skip a payment. And was able to get a skip a pay for the hurricane issue. Then my loan would be fine and status would be updated. Nothing would show past due. this one little remark on my credit report has impacted the score a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been reporting 2 charged-off credit card accounts on my credit reports. I have contacted them at least 5 times in an attempt to fix the problem. Neither of these accounts was opened by me, and the debt showing as unpaid was not incurred by me. I do not have any idea who used my information to open these accounts. I am XXXX and I believe that Capital One is engaging in discriminatory and predatory behavior towards me. I can not begin to fathom how this company can continue to report these debts when I have notified them, in writing, that I have NO KNOWLEDGE of how these debts came to be! The only thing that I am sure of is that I did not open or use these 2 accounts.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) for their failure to investigate and verify a debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was provided false information about the program XXXX XXXX XXXX AGENT XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX XXXX in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

LATELY I HAVE BEEN SHOPPING FOR A MORTGAGE AND THERE ARE A FEW LENDERS THAT RAN MY CREDIT WITHOUT GETTING BACK TO ME WITH APPROVAL OR DENIAL. I WOULD LIKE THOSE INQUIRIES REMOVED AS THEY WERENT PROCESSED FOR APPLICATION. I STILL DONT HAVE ANY FEEDBACK FROM ANY OF THE LENDERS THAT PULLED MY SCORE AND THE HARD PULLS, PULLED MY SCORE DOWN. I WANT TO REMOVE ALL FREEZES AND FRAUD ALERTS, I DINDNT REQUEST THAT. I ALSO WANT TO REMOVE ALL PRIOR CONSUMER STATEMENTS : INFORMATION OUTDATED AND UPDATE WITH THE ATTACHED ( SEE ATTACHED DOCUMENT ) I WOULD ALSO LIKE THE BUREAUS TO FURNISH PROPER CREDIT CARD USAGE ON CLOSED ACCOUNTS. REPORT XXXX BALANCE ON CLOSED AND WRITE OFF ACCOUNTS AND STOP MONTHLY REPORTING ON CLOSED ACCOUNTS REMOVE AUTO LOAN ACCOUNT WHICH HAS BEEN BREACHED DUE TO DISCOVERY OF DEALER LOAN FRAUD ( PAPERWORK PREVIOUSLY SENT IN ). XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX, XXXX, and TRANSUNION letters ( XX/XX/2023 ) to do an investigation of accounts XXXX XXXX XXXXXXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts that was removed after the investigation. I received the results of the investigation from TRANSUNION ( XX/XX/2023 ) XXXX ( XX/XX/2023 ). I never received no paperwork from XXXX. I mailed out METHOD OF VERIFICAION letters CERTIFIED on XX/XX/2023. XXXX # XXXX, XXXX # XXXX, TRANSUNION # XXXX. I am attaching all evidence of inaccuracies to my consumer report., investigation results of being modified and verified data, tracking docs, failure to respond that was sent out CERTIFIED ( XX/XX/2023 ). 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit
Product: Credit reporting or other personal consumer reports

serves as a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), demanding that you immediately cease and desist all communication with me regarding any alleged debt associated with my account. 

I am asserting my rights as a consumer to limit communication related to this matter, as supported by case law, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This ruling affirms that a consumers request to cease contact must be honored by a collection agency to avoid violating the FDCPA. Any further communication beyond what is legally permitted constitutes a breach of my rights under federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case underscores my right to privacy and obligates debt collectors to honor my request for cessation of contact. 
Ignoring this demand will be regarded as harassment and a violation of the FDCPA. Please be advised that failure to comply may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking other remedies to protect my rights. 

I expect written confirmation within 30 days that you have received this cease-and-desist demand and will comply accordingly. Furthermore, I reserve the right to pursue additional legal measures should any violations occur. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

On XX/XX/2019 Old Navy Visa/SYNCB notified me via text of possible Fraud Charges from XXXX XXXX XXXX. Old Navy took the necessary step in stopping that transaction. Kudos to them for bringing this to my attention. Now I am seeking a refund of a charge from the same company on XX/XX/2019 in the amount of {$93.00}. This company used Deceptive Billing Tactics in charging me. To which I am enclosing a Cancellation Email from that company for the charge in question. I am seeking a prompt refund of the money I have already paid Old Navy Visa/SYNCB
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I've attempted to remove the lates in lieu of good faith payments and the company has not complied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed in a form canceling a product post dated within XXXX hours of signing the form as required by AZ state law. I also notified the representative that I dealt with via text and every agent that visited my home afterward that this plan had been canceled. On XX/XX/2022 an account was opened on my credit report for XXXX without my consent, after I had already canceled the plan. No work has been done, no audits were completed and no permits were filed and yet they opened up an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a charge-off on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was involved in an accident and was deemed a total loss. I have GAP insurance with XXXX XXXX and the insurance paid off the balance in full. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Product: Mortgage

XX/XX/2015 I contacted Wells Fargo to inquire about a loan modification as I was recently divorced and nervous about being able to remain current. After explaining my situation to the representative at Wells Fargo I was told that I qualified for a Forbearance program, which you need to do before you can qualify for a loan modification. I was sent a contract with my " modified '' mortgage payment and in the contract it states that Wells Fargo will report that I am paying a modified payment. No place in the contract does it say that they will report you paying late during the process.I paid the amount due as stated in the contract. 6 months later I go to refinance my loan to get my denied due to " late '' payments being reported on my credit. I have contacted multiple people at Wells Fargo and no one is willing to assist me clear this up. Wells Fargo is known for unfair and shady business practices and this is just one more added to their list. I would like for the lates that are being recorded to be removed as I never paid my mortgage payment late. I paid according to the agreement.
Product: Student loan

I was a student of XXXX College whose parent company is XXXX Colleges between XX/XX/XXXX to XX/XX/XXXX. XXXX has shut down due to issues beyond my comprehension. Upon signing up for XXXX, I was told that I would be getting lifetime job placement through the program and other various promises. While in school, I had exhausted my federal loans. In order to continue, they told me I needed to sign up for private loans. Now that I 've been out of school, the interest and the amount of loans are affecting me financially. I 'm afraid to default on these loans as I 'm aware that it could ruin me financially. I just recently lost my job and have never been unemployed for more than a decade. I 'm seeking for a refund and reduction to these aggressive loans as the financial office made an ultimatum that if I did not sign up for the student loans, I could not finish. After hearing that XXXX would shut down, I asked the Dean whether the school would shut down or not. He said no and to continue my education. I know I 'm a little late on filing this complaint, but the form I had previously filled out was strictly for my federal loans only. I 've been doing this all on my own and no longer have access to documentation to my time at XXXX, other than my statements from the Private Loan company. It used to be genesis, but then it got moved to University XXXX. Please help and advise.
Product: Money transfer, virtual currency, or money service

I ALWAYS KEEP RECEIVING THESE BELOW EMAIL. LOOKS LIKE THIS EMAIL IS EITHER COMING FROM XXXX OR XXXX OR SOME OTHER FOREIGN COUNTRY, I AM NOT SURE, I AM GUESSING IT IS FROM FOREIGN COUNTRY BASED ON THE FORMAT OF THE EMAIL ADDRESS. PLEASE LOOK AT THE FORMAT OF THIS SENDERS EMAIL ADDRESS. PLEASE DO SOME RESEARCH AND INVESTIGATION AND TAKE THE FRAUDS INTO YOUR CUSTODY SO THAT THEY DON'T MISLEAD INNOCENT VICTIMS. THANKS. 

THIS IS THE EMAIL I RECEIVED WITH SOME ATTACHMENT, I DIDN'T OPEN THE ATTACHMENT : - ________________________________________ From : XXXX XXXX XXXX Sent : Thursday, XX/XX/2019 XXXX XXXX To : XXXX XXXX Subject : RELEASE OF FUNDS REF : DIRECTIVES ON FUND RELEASE Dear Sir, My name is XXXX XXXX, Chief Financial officer at the PNC XXXX services group.I am writing to bring to your notice that we have received instructions from the Bureau of Fiscal Service 's United State Treasury to process the transfer of your funds to you. 

Consequently, to enable us commence further processing of your transfer you are required to fill the attached Funds Processing FORM " M '' and send back to me for further action.The form should be legibly filled in your hand writing and returned back by attachment.You are also to forward a copy of your Identification, which could be either your drivers license or International Passport. 

Upon the receipt of the attachment you shall be advised further.Please, quote Security Ref : XXXX as subject of your email to me. I may also be reached on XXXX Regards XXXX XXXX Chief Financial Officer PNC  Financial Services Group XXXX
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX, XXXX XXXX, and XXXX XXXX  three payments of the amount of {$71.00}, {$210.00}, and {$250.00} were made at XXXX XXXX. These purchases were unauthorized as I didn't complete these transactions. The card that was used was my Cash App card. Cash App has NO live representatives and I've sent them multiple emails as this is the only way I'm able to contact them. I have still heard absolutely nothing from them as it seems they aren't doing anything to help resolve my issue. I've also contacted the merchant and they have claimed they're unable to do anything for me. I've also filed a police report. This is extremely frustrating as a total of {$530.00} has been taken from me and CASH APP refuses and doesn't show any interest to help me and contact me to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

mr cooper is both identfied wrong on my credit file it should br mr cooper not XXXX  the correct listing is mr cooper and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks
Product: Credit reporting

This company has let a previously deleted account that was included in my identity theft case that was blocked from your file and also some collection account that i never heard from a company that i never did business with. They previously stated in my recent complaint against them that all accounts was removed from my file. This is hurting my file while I 'm in a process of getting a mortgage they are allowing these accounts to pop back up. The recent case number complaint with the CFPB was XXXX where they stated the removed all fraudulent accounts. I 'm tired of dealing with this issue and would like for all these accounts to be blocked immediately along with the XXXX public records XXXX from XXXX and XXXX from XXXX that was filed in error due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The account shows closed but is currently active
Product: Credit card or prepaid card

I received this offer from one of my store credit cards. This at a very trying time for consumers across the county because of the Pandemic and when personal interest rates are at close to an all-time low. They are making an offer that is going to trap people in exorbitant fees that need to be regulated in a much better way. 27 percent penalty is way beyond reasonable for any bank. 

-- -- -- -- -- -- -- - The offer -- -- -- -- -- - At a time when consumers are carefully considering their spending and how they manage credit, promotional financing offers from Synchrony Bank may make more sense than ever. We wanted to let you know about special financing promotions that may be offered on your Lowe 's Advantage Card account. From time to time, you may be offered one of the following promotions when you make a qualifying purchase : No Interest if Paid in Full Within 6, 12, 18 or 24 Months. 

For the promotion ( s ) described above, if the promotional balance ( which includes the promotional purchase amount and related optional debt cancellation charges ) is not paid in full within the promotional period, interest will be imposed from the date of purchase at the APR that applies to new purchases made on your Account when the promotional purchase is made, which as of XX/XX/2021, is the APR of 26.99 %. 

Minimum monthly payments are required. Some or all of the minimum payment based on the promotional balance may be applied to other account balances. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional purchases. Offers are subject to credit approval, may not be available at all times for all purchases and can not be combined with other credit-related promotional offers. This is only a summary of key terms. Please see any special promotion advertising or other disclosures provided to you for the full terms of any special promotion offered and keep this notice for your records. 

We look forward to continuing to service your Lowe 's Advantage Card account. 

Thank you for your business. 

Synchrony Bank