23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Current Employer : XXXX XXXX XXXX XXXXXXXX XXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 
Additionally, I believe that these informational errors may be aff
ecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I 'm currently finishing my XXXX XXXX enrolled full-time in an accredited university, and Navient has begun charging me for my XXXX loans. I 've explained to them that I am still in school and not working, and was told I could be put on an interest-payment only plan which would amount to around {$30.00} a month compared to {$150.00} a month. The next month, I was again charged the full amount and when I called them they said oh no I was not eligible for that plan. I pointed out that that was a direct contradiction to what I had been told the previous month. I was then told I do not qualify for any lower monthly payments but that I could apply for forbearance. I have tried to work with them, pointing out that I literally have no money coming in with which to pay them, but I was told I could either pay to put the loan in forbearance or I would have to pay the monthly fee.
Product: Checking or savings account

I have two Certificates of Deposit ( CDs ) with Citizens Bank that matured and were renewed this year. During in-person meetings with Citizens Bank representatives , I was provided with documents confirming that the renewals were successful and that the CDs would follow the predefined interest rates. However, this did not happen as promised. 

For the first CD, which matured in XX/XX/year>, I renewed it on XX/XX/year>, with a predefined interest rate of 5 % APY. However, over the subsequent five months, Citizens Bank failed to honor this agreement. The monthly interest payment was less than {$2.00}. I visited the branch twice, once in XXXX and again in XXXX, to address the issue. My concerns were ignored during the first visit in XXXX. After my last visit in XXXX, the bank finally began to address the problem. Unfortunately, the updated interest payments still do not match the agreed-upon terms. The most recent interest payment for the first CD was {$180.00}, whereas it should have been closer to {$300.00} as per our agreement. 

For the second CD, I also renewed it at a 5 % APY rate. Yet again, the new interest payments do not align with what was stated in the contract. The most recent payment was {$56.00}, while it should have been closer to {$180.00} as per our agreement. 

My spouse and I recently welcomed a XXXX, and we are diligently saving for our first home. Despite our best efforts to resolve this issue with Citizens Bank, our attempts have been unsuccessful. We kindly request your assistance in holding Citizens Bank accountable.
Product: Bank account or service

I have a Bank of America checking account that offers online Bill Paying. I also have a Bank of America " Platinum Plus for Business '' MasterCard under my name. When I go to Bill Pay to pay this MasterCard, their have programmed their computer to pay my B.O.A. MasterCard bill FIVE DAYS LATER. I believe that this is intended to extract unscrupulous late fees and interest from cardholders that pay less than five days before the MasterCard bill due date. Proof : many other payees get credited in XXXX or two days. It can not take longer for Bank of Amarica to " pay Bank of America MasterCard '' than it does for them to pay outside payees.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to leg posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices Where transactions settled with insufficient balances, despite intentionally available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report it seems there are inquiries that I did not authorized to pull out my report. Hence, I'm not even familiar with it. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedingproceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation The accounts are * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/XXXX XXXX XXXX  placed a derogatory mark on all three credit bureau 's, XXXX, XXXX, XXXX also XXXX XXXX they continue to update my report, I have sent also disputes these charges of {$2500.00} multiple times, also went to file identity theft and was told it wasn't a police matter but a civil matter. According to the FCRA my rights are being violated as a consumer, I am requesting removal of this collection immediately due to inaccurate reporting I haven't recieved any contract or written Signature confirmation anyone can send a bill claiming it's mine, please terminate collection efforts and notify all three credit bureaus, XXXX, XXXX and XXXX.recently updated XX/XX/XXXX
Product: Student loan

I previously filed a complaint back in XXXX, which has now closed. The complaint ID is XXXX. It was closed on the grounds of monetary relief of {$23000.00}, however, my accounts all increased but I have yet to receive the payment and it's been 2 months. So as of right now, my accounts all increased, but I never received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madame, There is information that on my consumer report that is a result of identity theft.I did not provide written permission or instructions for the identified transactions to be reported on my consumer report .I am requesting that the reporting of the information be blocked and deleted .My request to block is not being made in error ; nor is my request to block being in made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : CLOSED ACCOUNT WITH NAME XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4days from the date of the receipt of this notice .I look forward to your response. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing screenshot to Experian accounts I haven't opened
Product: Mortgage

Spoke with my mortgage servicer XXXX asked what was the status of the requested mortgage forbearance and mortgage assistance request? I was told by XXXX with XXXX XXXX XXXX customer Service the investor of my loan was not going to process any more forbearance or mortgage assistance request processed. i have been affected by XXXX XXXX with my health. I have not had any of the forbearance request granted or recent mortgage assistance request. I am 100 % XXXX and I feel I'm being discriminator against because of my XXXX. I was also told my house has been sent to the Attorney to be set for a property foreclosure sale. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is displaying accounts that is a result of alleged identity theft. I did not agree to, or benefit from the transactions. As required by law, I sent Experian written correspondence, including my proof of identity, an identity theft report, identification of such information, and a statement. They are required to delete and block the accounts within 4 days of receiving my notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX  add a hard inquiry on my credit reports perXXXX, XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I am applying to buy a house, when I checked my credit report I noticed that there was a recently placed collection agency debt from 2013. I called XXXX XXXX XXXX because that is where the debt is from and they told me to call the collection agency because they did not have my account number on file. 

When I called the collection agency about this debt they asked the usually questions and I found out that they had the wrong name on the account. When I asked if it could be removed I was told to contact the credit bureau because they are the ones that made the mistake. I told them that the bureau only reports the information that is given to them and that the company supplied the wrong name. 

They refuse to admit to the mistake and contact the bureau regarding this matter.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I viewed a copy of my credit report and noticed that it is reporting a late payment of 30 days for XX/XX/2021 and we are still in XXXX, and not only that I was never late in XX/XX/2021 yet this bureau is reporting my account with a late for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to remove these items off my credit report so I can move on with my life. 

Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX ), Bankruptcy ch XXXX-dismissed Ref XXXX ( XXXX, XXXX ), Bankruptcy ch? -dismissed Ref XXXX ( XXXX , XXXX ), Bankruptcy ch XXXX- dismRef XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax ) , Bankruptcy ch XXXXdismissed Ref XXXX ( XXXX, XXXX ) , Bankruptcy ch XXXX-dism Ref XXXX ( XXXX, Equifax, , XXXX ) , XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX, Equifax, , XXXX   ) , XXXX XXXX Acct XXXX ( equifax, , XXXX, XXXX   ) , XXXXXXXX XXXX ( XXXX, Equifax, , XXXX ), XXXX XXXX XXXX ( XXXX. Eq, XXXX ), XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, On XX/XX/2023 I mailed a personal information letter to TransUnion in reference to incorrect information on my consumer report. I also quoted 15 USC 1681 ( a ) ( 4 ) in reference to a consumer 's right to privacy. 
I asked for my name, address and phone number to accurately displayed on my report. 
Also I asked for my employment to be removed as well. 
Everything was corrected but they refuse to remove the inaccurate addresses that are currently on my consumer report. 
I in return sent a second letter on XX/XX/2023. Once again asking for the wrong addresses to be deleted. 
I also included an arbitration Opt-Out letter as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am living human being, I have rights under 15 usc 6181. 
EQUIFAX is govern by 15 usc 6181. They have violated my rights numerous times I demand accounts listed below be removed. According to 15 usc 6181 : I have the rights to privacy and did not give EQUIFAX written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I filed for unemployment benefits with CA EDD in XXXX and had been unsuccessfully trying to get ahold of a live person for 8 months before returning to work and giving up completely. Then once I was laid off again due to Covid, I attempted to contact EDD in order to discuss my claim and why I was able to certify but had never received a payment. At the end of XX/XX/XXXX I finally reached someone at EDD who explained to me that all of my payments had been issued to my Bank of America account... 
An account that I didnt know I had, with a debit card Id never received. I contacted Bank of America immediately to find out how to access MY funds. Just to be told that my account had been depleted and there was no money. BoA sent out 4 cards to an address where I do not even live. I never received a card nor did I have knowledge of an account with BofA. A claim was filed and I was told Id be notified by mail the outcome of an investigation. My claim was denied a few days later with the basis that some of the charges were over 365 days old therefor Im responsible for all of the charges. HOW IS THIS POSSIBLE?! I had NO knowledge of this account so how can I be responsible for it? How is it possible for b of a to tell me I am responsible for money I never even received and then refuse to give me back the money that is rightfully mine and stolen by someone. If Bank of America did their investigation properly then they would know that NONE of those charges made on debit cards they sent to the WRONG address, were made by me. I was never issued a provisional credit during the investigation and the reasoning of because the charges were made over 365 days ago being why Im denied MY MONEY, is unfair and misused considering I was NEVER AWARE I even had money in an account with them. And what about the visa zero liability policy? There are 4 claim numbers total. 

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

XXXX recieved letter XX/XX/18 I am a victim of ideninty theft and mail fraud USAA XXXX is a result of ideninity theft USAA did Not resolve ideninity theft reported XX/XX/2018 It appears the card numbers on this results letter from XXXX changed USAA last four XXXX changed to XXXX In my letter XXXX was informed I DEMAND THE ABOVE ACCOUNTS BE VERIFIED WITH ORIGINAL DATED SIGNATURE OF AMOUNT OWED OR DELETED IMMEDIATELY USAA never resolved ideninty theft. I have tried to get them to resolve They say resolved no explaination provided and reported me in retailation to LOWER MY SCORE Once more putting fraud back on XXXX elderly Americans that they know are targeted XXXX  does not accept FTC identity theft Report provided or provide the ORIGINAL DATED SIGNATURE FOR THESE AMOUNTS OWED ON ACCOUNT NUMBERS REPORTED FTC says ideninty theft can not be collected to protect consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2022 i did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XX/XX/XXXX of XXXX from XXXX XXXX its showing that im late on my payment from XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX