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

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX Original Creditor : XXXXXX/XX/XXXX ) XXXXXX/XX/XXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all XXXX credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXXXXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Product: Checking or savings account

I opened a Barclays savings account in early XXXX and used an external account for the initial funds transfer, verifying using micro deposits which went well and the funds transfer went thru no problem. Two days ago, I tried to set up another external account using micro deposits and those were sent to the external account. But I can not verify them because Barclays has frozen access to my account claiming - incorrectly - that they asked me to provide bank statements of both external accounts. They did no such thing and I have an email to prove it. When I called them this morning to resolved this, Barclays told me to email the external account statements as attachments in an unsecured email which is totally unprofessional and unsafe for any of my personal information.
Product: Credit card

On XX/XX/2016 I paid with my Bank Of America credit card ending in XXXX a down payment for a car to XXXX XXXX NY XXXX I had that car on lease and was trying to purchase the same car, the car was repossessed a day before on XX/XX/2016, they give me a sales contract for that particular car but they never delivered the car to me I cancelled the transaction after waiting 20 days for the car and the dealer never give me the car, I cancelled the credit card transaction and now I got a letter from the credit Card dated on XXXX saying that there is no documentation to support that we did not received the car I already purchased another car somewhere else, I do not think that I have to paid for a scam and a breach of a contract
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Mortgage

My mortgage was recently sold by XXXX XXXX  to XXXX XXXX  in late XXXX early XXXX of 2018. I had previously been working with XXXX to remove my PMI from my loan. After my mortgage information was transferred to XXXX I called them to continue the process of removing my PMI. However, XXXX informed me that due to my contract with them that I will have to pay PMI for the full term of my loan no matter what my principal balance. I'm willing to pay for an appraisal to prove that my house is worth 80 % more than my principal balance however XXXX told me that regardless I would be stuck paying PMI for the full duration of my loan.
Product: Student loan

I co signed for a loan for my son through XXXX XXXX which eventually was sold to Navient. The total amount of the loan was for {$5200.00}. The loan payments started on XX/XX/2007. I faithfully paid {$90.00} every month for the last 10 years. At one point XXXX XXXX screwed up my payments and started charging me a late fee. I called and asked them to fix this which they did but at another time they started assessing another late fee when I was n't even late. Based on my calculations, I have paid back {$9300.00} in principal, {$10000.00} in interest for a grand total of {$19000.00}. This is almost 4 times the original amount of the loan or a 74 % interest rate. My payment due date was considered the XXXX of each month. Last month I called Navient to explain this situation and asked for my loan to be considered closed and paid off. They would not do so. Attached is a document I pulled off Navient 's website showing my payment history for this loan. You will see that I was almost always early with my payments. I feel Navient misappropriated my money and abused my account. Plus I strongly feel they should repay me some of the money I overpaid to them. Thank you for looking into this for me.
Product: Credit card

In XX/XX/year> my information for my credit card was used online to purchase items from XXXX. I contacted the credit card company Ollo/Ally to let them know I didn't purchase anything. I have the peoples names and addresses from another state who stole the card. Credit card company said the cancelled the card that day and they would refund the money. For some reason, on XX/XX/year>, they allowed XXXX to run another purchase. I have called every month and they promise to fix it. Now when I call they put me on hold for over an hour. My credit score has dropped and no one will help me.,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$1500.00XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying the loan in full. XXXX added the account to my credit report with a status of late. 
Somehow this came out as verified after Experian investigated it.
Product: Debt collection

I never received a bill from the hospital because the address they have on file is not associated with any address that I have lived at. I have called AWA collection agency and provided my daughter insurance card and the claim # to a processed and paid claim several times Since 2016.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, purchased a dress at XXXX. that there was none in my size instore. Requested sales clerk to cancel order if there was a {$9.00} shipping charge. Sales Clerk manager informed that shipping charge would be waived if purchase was charged to my XXXX card. Due to XXXX sales clerk error, my charge card was charged twice for the one requested item. On or about XX/XX/XXXX, I submitted a complaint using XXXX website, XXXX representative XXXX XXXX responded to my complaint from email XXXX I disputed one of the charges. I received two dresses by mail at two different times. I returned both dresses at two times. It was my understanding that all was cleared up until I found a notice in my accumulated mail.I contacted XXXX and case XXXX was opened to investigate the issue. I contacted XXXX XXXX several times and informed that the current balance on my account is being investigated. Records will confirm that my XXXX balance is XXXX within the thirty days of a charges. I'm requesting that XXXX XXXX remove the negative entry from my credit report, due to the whole issue was initiated due to the poor quality performance of XXXX Sale clerk charging my charge account twice when it should have been charged once. In additional, taking consideration that If there was no doubt I owed the balance, as in the past I would have had no problem paying the charged amount within 30 days as I normally do. I shall greatly appreciate any and all assistance in this matter. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 someone opened a savings account online using my information at Bank of America this is the second time in 4 days that this has happened at this bank. I got them both supposedly close at the bank according to there fraud department but the bank does not have my information flagged in there system to get this to stop happening. The first time this happened was on XX/XX/2022. The bank has not asked for any sort of proper identification such as a proper drivers license and current address.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer report and notice that I had XXXX late payments on an account. account name XXXX XXXX # XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank you
Product: Debt collection

I did not earn this debt, I had to do all sorts of research to even figure out what company it was originally from. I found out it was a XXXX credit account, and was even more confused on where it came from. I didnt have proof, but I assumed it was my XXXX XXXX  mother who had something to do with it since she has used my name to purchase things and sign up for things in the past. I have disputed it many times and it was resolved and removed from my credit. I even received a bill that said XXXX $ balance owed. Only for it to be re added months later.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach, and fraudulent accounts and unauthorized inquiries have been reported on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report. 
XXXX Accounts XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$650.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$720.00} XXXX. XXXX XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$880.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have a credit card from Barclays Today I received a letter form Barclays indicating that if I did not use my card within the next 45 days ( Williams Sonoma card account ) they would not renewnot renew my card. The card has a XXXX balance. 

Is this legal? 
XXXX XXXX
Product: Checking or savings account

I have overdraft feed that shouldn't have occurred. When I call Wells Fargo, I get transferred or hung up on. Do I had or was forced to pay fees that I shouldn't have
Product: Checking or savings account

I have XXXX money order in XXXX cheques deposited into my account since XXXX/XXXX/2023. Within the the XXXX money orders XXXX have been cashed by the bank they received the funds already. My account has been restricted because they have not cashed the others money, and no fraudulent activities has been confirmed yet it is still in process. What i do not understand is why i can't have access to be own money into my account while the money order in process have not been cashed yet. As a consumer i have affected by this, because i feel like i am not treated fairly and i missed my rent payment because of this .Is there anyway i can take legal actions against chase bank XXXX Also i requested their employee number they did not provided.
Product: Credit reporting

Dear CFPB XXXX Request As last month i requested my Paid Tax Lien be removed from my credit report because it was satisfied and released on XXXX XXXX, 2014. But i was told by Equifax and CFPB the FTC rules said it must stay on the consumers credit report for 10 years. Here 's copies of FTC Rules Section 605. ( 15 U.S.C. 1681c see attachments Line XXXX Paid Tax Liens which, from date of payment, antedate the report by more than seven years ( Antedate ) to give an earlier date rather than the actual date of ( something ) this is my 2nd request to have this remove from my credit report. Please revisit this request Sincerely XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX.
Product: Student loan

On Monday, XXXX XXXX around XXXX, I received a phone call from a company that sounded very reputable and legit, to offer assisting me enroll in their " rapid credit restoration program " regarding my past due student loan. They told me by enrolling with them today, I would be making payments of {$260.00} per month for 5 months ( beginning Tuesday, XXXX XXXX ) and after the 5 months, I would only pay {$99.00} per month for 19 additional months. They told me I would need to send verification of my proof of income, via email. After giving all of my information requested, I began to search their website and immediately realized I had just been potentially scammed. I immediately contacted my bank and started this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 2 collection accounts with XXXX XXXX XXXX. I tried in XX/XX/2018 and XXXX XXXX XXXX tried in XX/XX/2018. After notifying them to let them know that I need validation, when I disputed I was told that they don't validate the information they verify address, name, social security no, and ask the creditor if it's accurate. To my surprise, asking the creditor or debt collection is it accurate and they placed it on there is eliminating my right as a consumer to have an investigation done that seeks validity of the debt per Fair Credit Reporting Act. 

The account is NOW stating that it's open, and per a previous report it was showing as closed. No address is given for XXXX XXXX XXXX and no phone number is given on the report to address the validation with this collection agency. I asked Equifax around XX/XX/2018 to do a full investigation of the account and I have disputed it again with them today.
Product: Credit reporting or other personal consumer reports

I have requested for reinvestigation of my consumer report and Experian has not complied, is in violation of the FCRA. I have attached my supporting documents, along with an XXXX  letter. Alleged debts has not been validated and experian has not followed reasonable procedures during their investigation. Since accounts have not been properly validated with sufficient documentation, I now demand experian remove these accounts from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item, Synchrony Bank/ Ashley XXXX  , is inaccurate because I never received any items to make payments towards prior to closing the account myself. I have SYNCB/Ashley XXXXe representatives on multiple audio recordings stating there are no payments made to the account until the items are delivered. I never received any items that were financed but began getting charged. I spoke to a manager, XXXX, on XX/XX/22 with recorded audio and canceled the delivery as well as closed the account. On XX/XX/22 at XXXX, I spoke to an Ashley Furniture Guest Response Team representative on a recorded line that identified themselves as XXXX XXXX XXXX XXXX After explaining the situation, I was informed that one item was being shown as delivered. I asked for proof of delivery to include the address it was delivered to because I did not have any furniture from them, and I was informed that a representative from their back office would be contacting me. No one has ever contacted me regarding the account or provided any proof of delivery as requested. To this day, they continue to falsely report late payments, a high balance, and they closed the account which has continuously impacted my credit report in a negative manner. The unlawful actions and negligence of SYNCB/Ashley XXXX  led to me losing a house I was under contract for because my score dropped significantly when pulled right before closing.
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. 
Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 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.

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 reporting 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

CEASE AND DESIST DEMAND Re : Cease and Desist Notice : XXXX I am filing this letter to formally demand that your company cease all communication and activities related to the alleged debt under the account number [ Account Number ], as referenced in your correspondence from XX/XX/2023 to the present day. 

I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2023, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned account. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, your company has failed to respond to these inquiries. 

The persistent and unwarranted communication from your company has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe your actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that your company cease all activities related to this debt within fifteen ( 15 ) days from receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me.

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against your firm to protect my rights. 

Please govern yourself accordingly
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the written appeals I sent, any kind of response was taken for granted. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : TransUnion : XXXX XXXX XX/XX/XXXX {$5000.00} XXXX/XXXX  XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXXXX/XX/XXXX {$5900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Was alerted by Experian that a credit card had been opened in my name by XXXX XXXX XXXX XXXX. I did NOT open an account with them not use this card. They are a fraudulent company.
Product: Student loan

I filed a XXXX XXXX XXXX in XXXX of XXXX And both navient accounts were supposed to be XXXX however it never did and sent both accounts to collections I tried talking to navient but they were only interested charging me full price which far exceeds original loan amounts Also the loans were originally under XXXX XXXX before becoming navient the account originally went negative in XXXX when I went to XXXX XXXX service As being over 7 years of initial negativity Both accounts should be removed from my 3 credit reports they also filed a lot of misinformation in my file