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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCE : {$100.00} XXXXXXXX XXXX ( Original Creditor : XXXX  ) XXXX BALANCE : {$2200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX BALANCE XXXX {$64.00} XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX BALANCE : {$64.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX BALANCE XXXX {$400.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX BALANCE XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX .... Balance : - XXXX XXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B mandates that we remove any erroneous accounts from my credit report. Could you check the documents? Some of the listed accounts have incorrect reporting, amounts, and dates.
Product: Student loan

THEY FORCED ME INTO DEFERMENT AND REFUSED TO LOWER MY PAYMENTS
Product: Mortgage

Bank of America violated the Federal Debt Collection Act by continuing to attempt to collect a debt on a Home Equity Line of Credit after it had been discharged in Chapter XXXX Bankruptcy. Bank of America also violated the Fair Credit Reporting Act by reporting the debt incorrectly to the Credit Bureaus and the IRS. The debt was discharged in bankruptcy on XXXX XXXX, XXXX, and Bank of America is reporting a charge-off dated XXXX/XXXX/XXXX via XXXX for {$71000.00}.
Product: Credit reporting

Experian will not let me delete addresses that are not mine, and multiple names on my credit report that are misspelled or incorrect format. These addresses are incorrect or belong to family members and they appear on my name along with accounts that are also not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I AM A VICTIM OF IDENTITY THEFT, SOMEONE OPENED 2 CREDIT CARD ACCOUNTS IN MY NAME.I CONYACTED THE COMPANY AND THEY. I SPOKE WITHE COMPANY AND THEY SAID IT WOULD BE DELETED. BANK OF AMERICA MADE PAYMENTS ON THE ACCTS, THAT DOES NOT BELONG TO ME. MY CHECKING ACCOUNT INFORMATION WAS COMPERIMISED, WHOEVER STOLE MY IDENTITY MADE PAMENTS ON THE ACCOUNTS. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : BANK OF AMERICA # XXXX # XXXX OPENED : XX/XX/XXXX AMT, XXXX BANK OF AMERICA # XXXX # XXXX OPENED : XX/XX/XXXX AMT. XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please REMOVE the following inaccurate items in my report : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an account listed on my credit report that does not belong to me. This letter serves as my fourth formal dispute of the account in question, and I am requesting your immediate intervention as the credit bureaus ( Equifax, Experian, and TransUnion ) have failed to properly investigate and remove this erroneous entry despite multiple rounds of disputes. 

Details of the Disputed Account : Account Name : XXXX XXXX Date Closed : XXXX XXXX, XXXX Amount Reported : {$16000.00} Account Name : XXXX XXXX XXXX Date Closed : XXXX XXXX, XXXX Amount Reported : {$28000.00} Account Name : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount Reported : {$25000.00} Despite my previous disputes, which included submitting documentation and providing evidence that the account does not belong to me, the credit bureaus have failed to properly investigate the accuracy of this account and, more importantly, have failed to remove it from my credit report. This repeated failure to adhere to the requirements outlined by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) is unacceptable, and I am invoking my rights under these consumer protection laws. 

As outlined under the FCRA Section 1681i, credit reporting agencies are required to conduct a reasonable investigation into any disputed information and correct or delete any information found to be inaccurate or incomplete. Furthermore, the FCRA Section 1681b establishes that information provided to credit bureaus must be accurate and verifiable. It is clear that this account does not meet these requirements, yet the credit bureaus have not performed the necessary due diligence to remove it.

I am invoking the following consumer protection rights : FCRA ( Fair Credit Reporting Act ), Section 1681i - The credit bureaus are legally obligated to investigate any disputed information thoroughly and promptly, which they have failed to do.

FCRA Section 1681e ( b ) - The credit bureaus must ensure the accuracy and completeness of all information reported. The continued presence of this account on my credit report is a direct violation of these requirements.

FDCPA ( Fair Debt Collection Practices Act ), Section 1692 - If the account is being reported by a debt collector, the debt collector is prohibited from continue
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reached out to XXXX  to remove us bankruptcy Court - XXXX. They have moved it off of my credit report because of statute of limitations. Have reached out to Equifax and they will not delete it. It should be deleted because of statute of limitation. I'm needing help with Equifax to remove this bankruptcy, it has been on my report for 7 years. I did a dispute with Equifax the XX/XX/2019. It's a chapter XXXX bankruptcy.
Product: Vehicle loan or lease

My bmw that had the loan was stolen XX/XX/2018 over a year ago. Insurance paid out the car and I even made an extra month of car loan payment after the car was gone. Suddenly over a year later I get a collection notice that I owe 800 something dollars from over a year ago. They couldnt explain what the money was owed for or account to why. Before the fact why didnt they contact me to pay the money or tell me I even owed them anytime this past year just trying to ruin my life further for no reason like how they cant explain exactly what the money is for that they claim I even owe them. Over a year is not a reasonable time and to not give me reasonable notice or explanation of the debt.
Product: Credit card or prepaid card

The companys Name : netSpend DebitCard : XXXX XXXX managed by NetSpend In the middle of XX/XX/XXXX I phoned NetSpend ( MileagePlus XXXX about their direct deposit policy ) only to find out that my account was closed in XX/XX/XXXX, because they were no longer in partnership with XXXX XXXX. 

I was told when they closed the card my they still had {$73.00} of my very own money in the account. Thus they issued a check for that amount and sent it to my address. 


I never received that check, I called NetSpend couple more times about the check, wait time was 30-40 minutes, and after I explained why I was calling, I was put on hold forever, no one came back to pick up the phone. I gave up calling ... 

XX/XX/XXXX I receive a check in the mail from NetSpend for XXXX Made a mobile deposit to my checking .. 

XX/XX/XXXX My bank sent me a digital copy of the check from stating the date was stale I took a second look at the hard copy of the check and In fact the Check was issued XX/XX/XXXX, right below pay to the order of said Not Valid After 90 Day @ I phoned NetSpend explained them what happened, they told me that the check is still good, gave names of 5 different banks near by me where I can just go to and will have no problem cashing the check as long as I have a valid state or a federal ID. I gave two of those banks they gave me a try, of course like a criminal by the the tellers at both banks you are not banking with us? We dont just cash random checks, no! Who told you that we do that? At the end of the day both banks wouldnt cash the check and I was done with people with taking their anger on me XX/XX/XXXX I phoned NetSpend back explained to them what happened at those banks. They took all the information again put me on hold and never came back ... This time I called back, again I explained what is happening with the check etc .. and just asked them to issue a new check I was put on hold for 15 minutes .. when the person came back she told me that she cant issue me a new check and that they will simply steal my money! Thats my money not credit not a loan, and they just told me THEY WILL NOT GIVE ME BACK MY MONEY! Why? become the check was issued to me over 6 months ago so they cant issue another check? 

I dont know why this check got here so late, that is not my fault, what I do know is that I am not about to get robbed by a bank ... they have billons and they are stealing from the little people? I am sure I am not alone .. how many {$70.00} checks were never cashed? How much money is netSpend making by stealing from closed accounts? 

I am curious, I really am curious! I am sure I am not an isolated case!
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account with NAVIENT was automatically placed in forbearance many times over the years. I was on an income based repayment plan with a monthly payment of {$0.00}. NAVIENT continues to switch my account to forbearance so that they can collect interest on the principal. During the month of XXXX XXXX and XXXX 2021 they issued a forbearance on the Income Based Repayment plan and reported my account delinquent to the credit bureaus. The student loan is inaccurately being reported as 6 separate accounts, therefore there are 18 delinquencies on my credit report in this 3 month period. 
Furthermore, the account was never delinquent. It was on an income based repayment plan, and through deception was placed in forbearance. During the forbearance, the account is being reported 150days past due, 18 times. Therefore my credit score dropped XXXX points for 18 payments 150 days past due. 
Again, there was only 1 monthly payment and the amount was {$0.00}. Navient granted a forbearance during the affected period XXXX XXXX and XXXX 2021, yet still continues to report my account delinquent. I have contacted Navient and requested documentation to support their claim that I requested a forbearance and that I was told my account would be reported late. There has been no response in the past 3 months. I have disputed with all 3 credit bureaus and Navient continues to insist that the information being reported is accurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian is reporting inaccurate information on my credit report. I am disputing a hard inquiry that should have been removed XX/XX/year>. The inquiry that I am disputing is XXXX XXXX on my credit report. After contacting Experian to dispute the inaccurate reporting, they refuse to remove/delete the hard inquiry. I mention to the representative that this information is over 2 years old and should have been remove. The representative continued to imply the information will not be removed.
Product: Student loan

I am trying to submit my yearly documentation  to Navient for Public Service Loan Forgiveness. The only information on the Navient page directs customers to go to studentaid.gov to learn about PSLF. Once at the student aid page it explains what PSLF is and that you submit your yearly application to your loan servicer ( which would be navient ). Navient has an entire page for the documents you can upload from forbearance to income based repayment but there is NOTHING on where you can submit your PSLF documents. This makes it extremely difficult for public servants drowning in student debt to do our part in submitting the correct paperwork, and work toward debt relief after  10 years.
Product: Credit reporting or other personal consumer reports

This Response is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed as a collection/charged off account on my credit report but I have never received a XXXX for this charged off debt. Can you please provide me with a XXXX to accurately reflect this as a charge off for tax purposes or delete immediately. 

Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. Thank you.
Product: Debt collection

Ally Financial called on XX/XX/XXXX and XX/XX/XXXX Called me by my name, regarding a family member. This is not my debt and I do not appreciate the harassment. Calling back gets me no answer and I will have to wait for a call to have to request that I am not contacted, which never works. 

I AM NOT THE CONSUMER and it is alarming that they would expect me to offer information about ANY other consumer. Or that my information, including my name, would be hounded down.
Product: Payday loan, title loan, or personal loan

I was approved for a secure loan. I asked the agent to explain secure loan she said it meant collateral of a car and I asked if that meant the loan was a refinance and she stated no. After beginning approved the loan was actual a car finance loan. I would had never agreed to have a hard inquiry on my credit had I known if was for a car finance. I was manipulated into running my credit for a loan I was unaware of. I made it perfectly clear that I did not want a car finance loan. Date. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Credit Reporting Practices of Experian, XXXX, and XXXX Dear XXXX, I am writing to formally submit a complaint regarding the handling of my First Progress Credit Card account XXXX the credit reporting agencies : Experian, XXXX, and XXXX. Despite ongoing concerns regarding their compliance with the Fair Credit Reporting Act ( FCRA ), I have observed persistent and detrimental practices affecting my credit report. 

My XXXX XXXX account has always been in immaculate condition, with no late payments. According to regulations, this account should remain on my credit file for XXXX to XXXX  years. However, I noticed that my account, which was marked as XXXX XXXX on XX/XX/XXXX, was deleted from my credit report on the same day by Experian. Additionally, XXXX removed my account between XX/XX/XXXX, and XX/XX/XXXX, and XXXX removed my account between XX/XX/XXXX, and XX/XX/XXXX. These deletions are not only unjustified but also erroneous, as they misrepresent my credit history. 

I am also attaching a statement letter from XXXX XXXX, which confirms that they are reporting my account accurately. It is evident that it falls upon the credit reporting agencies to ensure that the reported details are correct. The failure of Experian, XXXX, and XXXX to properly investigate my disputes and rectify the inaccuracies in my credit reports is deeply concerning and undermines the purpose of the FCRA, negatively impacting my creditworthiness. 

I urge both the CFPB and the FTC to take immediate action against these agencies for their ongoing violations and to ensure that my credit report accurately reflects the status of my First Progress account. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and assistance. 

Sincerely,
Product: Checking or savings account

I asked the citi bank how I could get my account unlocked they said you have to wait for a reference letter in the mail then call back I got the letter called back they said you need another letter call back I called back they gave me the runaround with different departments I spoke to someone she said she took the block off I waited a hour blocked still called back on hold for three hours said go to the branch there not doing it went on for three weeks
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REFUSING TO REMOVE FRAUDULENT INFORMATION FROM MY CREDIT REPORT, EVEN AFTER I SUBMITTED PROOF OF FRAUDULENT INQUIRIES SUBMITTED.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XX/XX/XXXX XXXX Experian, XXXX, XXXX Date XX/XX/XXXXXXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCAL IS NOTICE TO AGENT Account- 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 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 {$12000.00} Dear Experian, XXXX, XXXX You are reporting Unverifiable inaccurate XXXX incorrect information on my Experian, XXXX, XXXX credit report. The reporting of such information has created severe damage to my character, my reputation, and general mode of living and my ability to obtain credit for personal and housing purposes. 

You and your in accurate reporting have damaged my livelihood. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt you are reporting on my credit profile. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ).

15 U.S. Code 1692g - Validation of debts.

I do hereby request that your office provide me with complete documentation to verify that I owe the said debt under the FRCA and FDCPA regulations. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Contract With My Two Wet Signatures Promissory Note Validating The Debt Belongs To Me If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.