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

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Subject : Data Breach and Erroneous XXXX  Reporting on Credit Report Dear XXXX XXXX XXXX am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly XXXX XXXX individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. 

In addition to the breach, I have discovered an erroneous XXXX  entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information XXXX have been used maliciously, leading to this erroneous reporting. 

Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. 
Erroneous XXXX  XXXX : An incorrect XXXX  entry has been reported on my credit report. This entry does not reflect any financial activity or XXXX  on my part. 
Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous XXXX  entry and requested a fraud alert be placed on my credit file. 
I have also monitored my financial statements for any signs of identity theft or fraudulent activity. 
Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. 
I also seek guidance on additional steps I should take to rectify the erroneous XXXX  reporting on my credit report. 
I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All Star XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX COAF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FIN INST XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX GUARD XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XX/XX/XXXX JPMCB CARD XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 'S, XX/XX/XXXX XXXX CR XX/XX/XXXX NEW AMERICAN XX/XX/XXXX XXXX XX/XX/XXXX SUMMIT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

cosigned for student loans in XXXX for XXXX XXXX XXXX. I contacted Navient in XXXX requesting release as cosigner. O was told he had to have proof of education. Months of trying to track this down yielded no results as the school has closed and no records are located at the state department. I again contacted navient and was told XXXX needed to make the request and his loan didnt require education proof. He did so. The request was denied stating he needed proof of education and 12 consecutive on time payments immediately proceeding request. He had a late payment because he didnt receive a statement after we started this process at which time he put the payments on autopay and brought act up to date. Navient was again contacted after this letter and questioned why the denial as he was told proof of education not needed and the reason he had late payment in 10 years. Navient responded stating he does not need proof of education but he did not have 12 consecutive payments immediately preceding the request. We feel cosigner should be released based on navient keeps changing reasons for denial. XXXX has made on time payments for over 10 years. Their website indicates you need 12 consecutive payments but does not say immediately preceding request. He has proven his credit worthiness over the last 10 years, has a good credit rating, and a steady income and to which proof was provided. We so feel they didnt send statement on purpose so cosigner could not be released. Navient customer advocates ( XXXX XXXX + XXXX ) do not return numerous phone calls despite their statements for us to call them.
Product: Checking or savings account

CASHAPP LEGAL TEAM AND DISPUTES TEAMS [ XXXX XXXX XXXX ] [ Business Owner Of XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX West XXXX Pl ] [ XXXX, Indiana, XXXX ] Re : Settlement Offer Dispute Resolution for Unauthorized Transaction and Revoked Access I am writing this letter to seek an amicable resolution to the ongoing dispute between myself and Cash App regarding unauthorized transactions and the revocation of access to my Cash Card account. I believe that it is in both of our interests to resolve this matter without further litigation and associated costs. 

The basis of my claim is as follows : XXXX. Unauthorized Transaction : On XX/XX/2022 I discovered that an unauthorized transaction in the amount of {$630.00} was made from my XXXX XXXX account. I promptly reported this incident to Cash App customer support. However, Cash App has yet to provide a satisfactory resolution, including a refund of the unauthorized transaction. 

XXXX. Revoked Access to Cash Card : Subsequently, I experienced the revocation of access to my Cash Card account without any prior notification or explanation. This action has caused significant inconvenience and financial hardship. 

I am willing to forgo pursuing legal action against Cash App in exchange for a fair and prompt settlement. To resolve this matter, I propose the following terms : XXXX. Payment : Cash App agrees to pay a settlement amount of {>= $1,000,000} USD to me within [ reasonable timeframe, e.g., 30 days ] of the execution of this settlement agreement. This payment will cover the unauthorized transaction amount, associated fees, and the inconvenience caused. 

XXXX. Reinstatement of Account Access : Cash App agrees to promptly reinstate my access to my Cash Card account upon the execution of this settlement agreement, allowing me to use the account as I did before the dispute arose. 

XXXX. Release of Claims : In exchange for the settlement payment and the reinstatement of my account access, I agree to release Cash App from any and all claims, demands, actions, or causes of action arising out of or related to the unauthorized transaction and account revocation, including any claims for damages, costs, or attorneys ' fees. 

Please consider this offer as a sincere attempt to resolve this matter and avoid further legal proceedings. 

If I do not receive a signed copy of this letter indicating your acceptance within the specified timeframe, I will have no choice but to pursue legal remedies to recover the funds and seek redress for the inconvenience and damages caused. 

Thank you for your prompt attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a general complaint about my credit score. I pay 100 % of my bills on time, I have improved my credit utilization by 20 % and my score only increased 2 points. I have a new collection steaming from a cable bill that it is incorrect and it caused my score to drop 10 points. It is so hard for my score to increase but very easy for it to drop. 
I think debt collectors should have to give you more opportunities to address issues before the report to credit bureaus and create a 7 year stain on your report without hearing your side of the story. 
I fulfilled the billing cycle, scheduled disconnection. Returned equipment and was told I had a {$0.00}, later billed then turned over to collection all in 4 months from service disconnection. The original debt with XXXX is still on their account and also with a collection agency and none of it is accurate
Product: Credit reporting or other personal consumer reports

I have an account on all 3 major credit bureaus that show a balance of {$13000.00} with Synchrony Bank for a Care Credit account. According to Synchrony Bank, I am unable to settle the balance with them because they have issued me a 1099-C debt cancellation on this remaining balance. Per Synchrony Bank, the 1099-C was issued in XXXX XXXX but the balance as of XX/XX/year> is still {$13000.00} even though they canceled the remaining debt. 

All credit bureaus continue to show a balance of {$13000.00}. 

I have disputed the balance on all 3 credit bureau 's website because I was issued a 1099, so the balance should be updated to {$0.00}. This continues to affect my utilization. I am unable to pay off/settle the debt directly and Synchrony is giving me a hard time to get the balance updated to {$0.00}. 

I have attached my full credit report from XXXX that shows updated balances as of XXXX. But I also pulled individual reports on XX/XX/XXXX that continue to show the {$13000.00} balance on all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX of Notice of Data Breach informing me my personal information has been compromised. The following accounts and hard inquiries currently listed and showing on my XXXX and Equifax credit report is not my accounts or hard inquiries and is the result of the data breach and identity theft : XXXXXXXX XXXX XXXXXXXX, {$330.00}, XX/XX/XXXX, XXXX XXXX : XXXX XXXX {$320.00} XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/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
Product: Mortgage

I have submitted two prior complaints and the issue has not been resolved. Wells Fargo is paid automatically every month out of my Wells Fargo checking and is documented. WF insist they are not receiving payments and have turned me into the collection agency. I spoke with several Wells Fargo representatives and they confirmed the money is withdrawn from my checking and cleared. So basically they are withdrawing money from my account and the money is just missing. 

XXXX XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United states ) that the foregoing is true and/or correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All in this matter is being investigated by the FTC.
Product: Bank account or service

Bank of America has no concern for their customers and consistently exhibits horrible customer service. 
Today I needed assistance and got unsatisfactory results from : * The website ( due to a poorly-designed customer interface ) * The phone system ( hung up on me ) * An in-person branch visit ( computers were down ; gave me bad information on how to solve my problem ) * The online app ( ca n't fix the problem from there although I was told I could ) * Technical support ( went out of their way to blame me for the problem ) * When I called customer support, my call could not be elevated any further because 'management is on the phone'These are some of the lies Bank of America told me along the way : * " We are committed to excellent customer service '' * " Your time is precious '' Clearly Bank of America has stopped caring about performing competently or looking after their customers. I am lodging this complaint with the CFPB in hopes that Bank of America might listen to them ( they certainly are n't listening to me ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am in disagreement with the information you allow XXXX to report on my credit file which is incorrect, even after your investigation about multiple dispute of incorrect information being reported. XXXX has proceeded to change the entire account status from charge off/ sold to a REPO back to charge off/ sold. To adding payments that was never made to removing payments one by one when disputed each and every time certifying each time the information was correct XXXX was submitting when in fact it was not correct and we know this to be true by the number of times XXXX has changed the account infomation over the pass years reporting incorrect information is a FCRA voilation. I have provide documents that I obtain from XXXX XXXX reporting to EQUIFAX proving how XXXX has repeatedly certified false information to cause me addtional finical hardship. Such action you EQUIFAX has allowed XXXX to do so because they are paying for your reporting service. According to FCRA you Equifax have a duty to verify all information submitted to you before placing it on a consumer credit report and in this case you have failed to do so and I am demanding that Equifax remove XXXX account from my credit file at once for Equifax failure to verify the information submitted to you. 

furthermore XXXX is now `reporting my last payment was XX/XX/2019 and amount paid {$0.00} when in fact my last payment was on XX/XX/2019 in the amount of {$43.00} another error made after XXXX corrections also after the account was c/o and sold XXXX reported additional 15 payment made which is false after it was supposedly sold payment that never happed but yet still refuse to delete account after serval correction so now my question how many chances does one get. 
Your cooperation and prompt attention are greatly appreciated.
Product: Debt collection

Alleged debt is fraudulent. Owner 's maintenance fees were charged to my wife and me as co-owners and paid in full. My wife and I decided to place the time share into my name alone. The Owner 's Association then apparently decided to charge the same maintenance fee that i had paid with my wife to me as the " new owner. '' This duplicate charge is unconscionable and i will be reporting it to all appropriate Federal and State Agencies.
Product: Mortgage

Freedom mortgage took over my loan with XXXX mortgage in XXXX 2015. Ever since this happened I have been short in escrow they failed to take out enough to cover the costs for my property tax. In XXXX 2015 I noticed they did n't pay the first installment for {$620.00} so I went to pay it at the county clerks office in XXXX california. Since then I have been waiting for a refund they promised to return. There customer service is terrible I tried speaking to a manager was on the line for over 40 minutes then call got disconnected. I have receipts and certified copys I sent out still have n't received nothing.
Product: Mortgage

SPS provided XXXX Deeds of XXXX for the same date. The Deed of Trust which was recorded and filed in the XXXX Recorder 's Office, on XX/XX/2004 with the file number of XXXX was altered from the XXXX we originally signed. At no time did we have knowledge or authorize anyone to alter the Deed of Trust after we signed and notarized it. There are also missing signatures on pages and a signature of a person as a borrower who was not an applicant on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/ Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX XXXX XXXX Payment Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account XXXX XXXX  XXXX Late Payment Account XXXX XXXX Collection Account I strongly believe that these items are incorrect and have been reported unfairly. I have carefully reviewed my credit reports and have found errors and inconsistencies in the information provided. 



I would like to bring to your attention that under the Fair Credit Reporting Act, credit reporting agencies must provide accurate and complete information to consumers. Inaccurate and incomplete information can have a negative impact on my credit score and my ability to obtain credit and loans in the future. 



Regarding the late payment accounts, I would like to explain that I have experienced financial hardships and have been unable to make payments on time. However, I have since made efforts to catch up on missed payments and have been making regular payments. 



As for the charge off accounts, I was not aware that these accounts had been charged off and was not given an opportunity to make payments and settle the debts. I would like to request that these accounts be removed from my credit report, as I believe they were reported without proper notification. 



I kindly request that you investigate these items and take appropriate action to correct any errors or inaccuracies in my credit report. I also request that you provide me with a copy of my updated credit report once the investigation is complete. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Account was hacked and depleted. I contacted US bank and they investigated and said they wouldnt do anything. XXXX was used to withdrawl {$130.00} out of my checking. Then XXXX was used to withdrawl {$130.00} from savings then once those cleared XXXX was used to withdrwal {$3000.00} from savings clearing me out completely. I have never used XXXX ever. I told my bank that I never authorized this and there should be some protection for this activity. The fraudulent user went under a name of a XXXX  XXXX XXXX XXXX. I asked US Bank that they should have some sort of fingerprint of the transaction and we could be able to go to that user but they said they would not assist. They said everything was done on a device they recognize. I have filed a police report. Im not sure what else to do. There are reported issues with XXXX and scammers but my bank wont do anything to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX