23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The below was sent with an old email that I can't open anymore to see response. This is a second account being made by me with new email. Can response be sent here or what do I need to do. This is XXXX XXXX Old email : XXXX New email : XXXX Thank You This ticket ( # XXXX ) has been updated. 

Hi XXXX, Thank you again for your submission to the FCC. The FCC 's role in this process is to facilitate a conversation between you and your provider. We received a response from your provider to your XXXX XXXX. XXXX. 

Here 's what happens next : - Your provider is required to send you a written copy of its response. Keep in mind, If the carrier sends the response by postal mail, it could take up to 10 days for you to receive the response. 
- Please review your provider 's response. If the issues you raised in your ticket remain unresolved, you can reply directly to this email with a short description of the problem. 
- Keep in mind that billing adjustments or other actions by your provider could take time to implement. 
- If we do not hear from you within 30 days, your ticket will be closed. 
- If you have new issues with your provider, you can file an additional complaint by going to : consumercomplaints.fcc.gov This email is a service from FCC Consumer Inquires and Complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX Balance : {$2600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

My original loan amount for all three loans was {$160000.00}. I had some trouble paying regularly initially in XXXX.I paid but missed some payments and some were late. In XXXX, I set up an automatic debit from my bank of approximately $ 1700/month. I have made every payment since then on time. I currently still owe {$240000.00} and wo n't have it paid off until XXXX, if I live that long. The total amount I will have paid off, if I live long enough to pay this back will {$410000.00}. What 's more, I can not deduct any of the interest that I pay on these loans, unlike my mortgage. My loans were originally held by XXXX XXXX and I consolidated them through them but they are now owned by Navient. I was told when I consolidated them that I could only do it once. The amount of money I pay per month is a significant amount of my take home income, more than my monthly mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE SUBMITTED DISPUTES AND NEVER GOT A RESPONSE. I BELIEVE THAT THEY ARE PURPOSELY NOT WORKING ON DISPUTES WHICH IS A VIOLATION OF FCRA. PLEASE ADVISE!
Product: Mortgage

In XXXX of XXXX i took XXXX dollar loans with XXXX XXXXl XXXX  guess these sold it to SPS and they forclosed in XXXX and I sent them XXXX dollars in XXXX that should have paid them off. In XXXX they on the balance sheet I owe them XXXX so in XXXX when XXXX XXXX took over I had a mortage audit done and it was from XXXX till XXXX the balance was XXXX not counting XXXX to XXXX that's a XXXX difference with the balance probably XXXX for the first 6 years on the balance XXXX plus XXXX is XXXX and I sent them XXXX the should should owe me now XXXX XXXX has forclosed and evicted me from I paid off in XXXX
Product: Checking or savings account

On XX/XX/2022, I opened a money market account ( ending in XXXX ) with Customers Bank. On XX/XX/2022, Customers Bank made an ACH transfer from another financial institution in the amount of {$1000.00} to fund my account. 

On XX/XX/2022, I attempted to access my account via Customers Bank 's online portal. I was informed that my username had been disabled. See the attached photo. I immediately called their customer service line. A Customers Bank representative verified my identity. The representative confirmed that my username had been disabled and that she could do nothing more other than transfer me to the account fraud desk. The " account fraud desk '' is a recorded message that promised to return calls within XXXX hours. 

XXXX hours later, I called Customers Bank 's customer service line again. I was verified again. I was transferred to the account fraud desk again and left a message. I called again on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Each time I was verified by the Customers Bank representative. Each time I was transferred to the account fraud desk. Each time I left a message with all necessary information. Each time I was promised a return call within XXXX hours. 

I have yet to hear from them. They have my money and they seem inclined to keep it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see Attached FTC report. Its a number of inquiries on my credit file that doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters and called multiple times to the credit bureaus about how they're violating the fair credit reporting act 15 USC 1681i ( 5 ). The credit bureaus said everything was completed and accurate and i asked them how if the date opened is wrong.

I also asked for description of the investigation according to 15USC 1681i ( 7 ) and it was not given to me although i have proof of my letter and complaint sent to the FTC.

Also according to 15 USC 1681 s-2A " 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 information is inaccurate '' Too many violations are causing me and my family distress and holding us back in many financial aspects. I ask that the credit bureaus be held accountable
Product: Checking or savings account

I initially opened a dispute XX/XX/23, because I had not received the sellers merchandise within the promised time frame and had no update on tracking. Upon receiving the merchandise I canceled the dispute on XX/XX/23 Once I reviewed the merchandise, the merchandise was damaged beyond use. I communicated back and forth with the seller and she advised me that she would be refunding me, but her system would not allow her to process the refund because I had already had a previous dispute with the bank and her system was not reflecting it closed so I advised I would reopen my dispute with the bank. When I called in to reopen the claim the rep was very short with me and not willing to take all of the information I was attempting to provide but was more so rushing me off the phone. I asked for the support email so I can send in proof of damages. I not only sent pictures of the damages to the seller, but I also sent videos and pictures of the damage to chime support. This merchandise is completely unsalvageable, and it was purchased in bulk supply from a vendor in order to resell. None of it can be resold. Not only are the items that I received damaged but I did not even receive the correct amount of items that I was supposed to. I also did not receive all of these styles and I did not receive the correct sizes. I explained this to the rep and also provided screenshots of the conversation with me and the seller where the seller agreed. I contacted chime support XX/XX/23 asking for an update on my dispute they replied saying they were still working on the dispute and less than two hours later sent a denial email. There is no way possible anyone that handled this case with care and reviewed the information I provided could conclude a denial!
Product: Debt collection

I received notification on XXXX/XXXX/2015 that there was a posting by a collection agency to my credit reports I checked and found it was Gold Key Credit that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt XXXX days in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Protection Agency
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : 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 report 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of 2023 to the credit bureau for our XX/XX/2023 mortgage payment to XXXX XXXX XXXX XXXX XXXX. 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the XXXX payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs. 

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts. 

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of 2023 credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ), I revoke all Authorization, I may have given you knowingly or unknowingly, written, or unwritten, verbal, or non- verbal and therefore opt out of reporting the following information per 15 USC 6802. I also opt out pursuant to 15 USC 1681b, 17 CFR 248.124 ( b ) ( 5 ), THE PRIVACY ACT OF 1974 and 16CFR313.7f which clearly states f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
Under 16CFR313.7g1 - A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 

XXXX ) ALL HARD & SOFT INQUIRIES -must be removed as they are NOT open accounts per 15 USC 6801, I also invoke the PRIVACY ACT OF 1974 & 15 USC 1681 ( b ) - Permissible purposes.

I also opt out of reporting all soft/ hard inquiries under 16CFR313.7f and further exercise my right to deletion. 

XXXX ) TRANSFERRED LOANS/SOLD DEBT/ CHARGE OFFS Per the IRS Any charge-off is a Certificate of Indebtedness and therefore considered income and income can not be reported. See Pg3, IRS pub- p4681 - https : //www.irs.gov/pub/irs-pdf/p4681.pdf. 

XXXX ) Pursuant to 15 USC 6801-It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non-public information. 
ALL TRANSACTION HISTORY AND ANY INQUIRIES MUST BE DELTED FROM THE REPORT BECAUSE IT IS ILLEGAL TO REPORT ANY TRANSACTION HISTORY/ NON-PUBLIC INFORMATION. THEREFORE, ALL ACCOUNT BALANCES MUST BE UPDATED TO READ PAID IN FULL, PAID AS AGREED/PAYMENT CURRENT AND ALL HARD/SOFT INQUIRIES MUST BE REMOVED. 
XXXX ) ALL OUTDATED AND INACCURATE INFORMATION AS DISPUTED IN REPORT WITH REF # XXXX. 

XXXX ) All duplicate names and misspelled names must be removed. All non-mailable addresses must be deleted. INDIVIDUL NAME SHOULD BE FULLY IDENTIFIED BY ONLY ONE NAME XXXX XXXX XXXX ( First, Middle, & Last ) AND ONE MAILABLE ADDRESS ONLY CAN BE ON FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX This vehicle was repossessed by XXXX XXXX and resold on or about XX/XX/2015. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle.
Product: Credit card or prepaid card

In XXXX of 2021, I contracted the XXXX virus. It was life threatening for me and put a toll on my finances. I survived, thankfully for my daughter and I, but I accrued late payments in the months of XXXX, XXXX, and XXXX 2021, due to my inability to work and make bills. I caught up, paid, and have not been late since. I reached out to Capital One, tried to ask for some mercy. I am a good customer, make all my payments on time, and have since then, i still use my card on the regular and i am not going anywhere. I had some late payments a couple of years ago that were my fault, i admitted that and asked for nothing, because i didnt deserve it. This time, during the most difficult time of my life, i asked that they waive late payments for only 3 months, XXXX, XXXX, and XXXX of 2021, that they recorded and sent to the credit bureaus. I am caught up and have been. They got their money. They flat out denied me and didnt even read my letter. Sent me a standard " they can not do anything letter '' which i know they are lying. This is destroying my otherwise good credit and i am stuck and STILL begging for some mercy.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Nowcom/rhino auto sale XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. Immediate Action Required I deman
d immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Product: Credit card

Bank of America constantly markets their credits cards to me and my husband. We live in the XXXX XXXX XXXX XXXX. I finally decided to apply and was approved for a Bank of America ( BOA ) credit card. After receiving the card, I made XXXX purchases, one of which was to XXXX XXXX that was flagged for a fraud alert. I followed the procedure to call the fraud unit of BOA and answered several questions and the charge was allowed to go through. Three days ago, I tried to make another purchase from XXXX XXXX and it was flagged for a fraud alert. This time, after calling, I was advised that in order to allow me to use the credit card, I would have to physically go into a Bank of America location with two forms of ID. There are NO BOA locations in XXXX which is XXXX XXXX in the middle of the XXXX XXXX XXXX. The closest XXXX state is Hawaii which is over XXXX miles away and only accessible by plane or boat. I am being discriminated against to use this credit card because BOA does not have an alternative way to validate my identity. I have used other credit cards where I can send video and picture of my ID to validate my identity. BOA refuses to accept anything other than physically walking into a branch. I will sue them it they do not resolve this matter.
Product: Student loan

Navient continues to call me and my cosigner to pay the loan they claim is past due, even after it has been paid. I submitted the payment online and they do not check the system before calling. The agent tells me the system is automated. Navient calls and harasses me and my cosigner to make a payment. They are relentless and will not stop even when asked.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy-dismissed Reference : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from Equifax.