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

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of 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 and it requires the following documents and statement to remove the disputed account on my file : XXXX XXXX XXXX XXXX Date opened XX/XX/2016 Balance : XXXX Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Student loan

I have been making payments on my federal student loans since XXXX XXXX. Navient continues to utilize my payments towards interest more than principal even though every month I make more than the minimum payments. After contacting Navient several times, the only answer I can seem to get out of everyone is that they do not know how much will be applied toward interest or principal until after I make the payment and they can see it under my account history. After telling me to look on my monthly statements how much is actually going to each part of my loan, I then go back to my monthly statements and that information is nowhere to be found. I ask Navient to help me find this information on my statements and all their representative can tell me is that she said it 'may ' be located there but that does n't mean it has to be. I have also asked several times for some type of spreadsheet or printout so that I can see ahead of time exactly how much of my payments are being allocated toward principal v. interest and have repeatedly get told I can make one myself but they do not provide that. 

Most recent call was XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were made by companies without my knowledge or authorization, and as such, they are in violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 

The inquiries in question are as follows : XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 Under XXXX XXXX Code XXXX, consumer reports may only be accessed under specific permissible purposes, such as when I have applied for credit, employment, or insurance, or in connection with a legitimate business transaction initiated by me. I did not authorize or initiate any transaction with the companies listed above that would warrant these inquiries. 

I respectfully request that you investigate these unauthorized inquiries and remove them from my credit report immediately. Enclosed with this letter is a copy of my credit report with the unauthorized inquiries highlighted for your reference. 

Please confirm in writing that these inquiries have been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inquiries from my credit report. 

Sincerely,
Product: Credit card or prepaid card

Hello, As a foreign national I know that I have to update my residency document submitted to the bank ( Bank of America in this case ) periodically. I was on a XXXX XXXX ( which was valid until XX/XX/XXXX ) when I received my green card on XX/XX/XXXX. Knowing the bank would request a proof of residency at the end of the year, I proactively went to a local Bank of America financial center in XXXX, NH in Summer XXXX ( sometime in late XX/XX/XXXXor early XX/XX/XXXX) and asked the bank teller to scan and save a copy of my green card in my file. Along with me, my wife also provided her green card to update her documents. The teller and her colleague expressed their amusement as they had not seen a couple of customers proactively updating their documents. 

The local financial center did not upload the document ( the copy of my green card ) to the appropriate department ( this is acknowledged by the center managers in my recent visit ), so they sent a letter on XX/XX/XXXX asking for the same document. Considering I had already provided the document, I dismissed the letter. They sent a second letter in XXXX, when I was abroad ( from XX/XX/XXXX - XX/XX/XXXX ). Since I could not have possibly responded to the second letter, my two checking accounts were frozen and my credit card account was eventually closed before my return to the country. The restriction on my checking accounts disrupted my automatic bill payments that resulted in late fees and possible credit score penalties.

The closure of my credit card, however, is expected to have a more significant impact. This credit card was my oldest credit card ( 9 yo ) and with $ XXXX limit accounted to ~37 % of my total credit limit. Therefore, its closure is going to reduce the average age of my credit history and the percentage of credit card utilization with mild and high impacts, respectively. This negative impact will lower my credit score, which in turn reduces my chances of getting lower rate loans in the future.

This mistake and periodically asking for documents while the one in file is still valid is a common practice for Bank of America. It has affected me, my wife and at least 3 of my friends ( I am willing to provide contact information of those whom I know are affected ). It has resulted in numerous unnecessary visits, phone calls, emails and unjustified  account freezes and closures. I am writing to ask the CFPB to look into this practice and take necessary steps to prevent the bank from repeating the same mistakes in future and compensate those who are affected by this practice. 

Best regards.
Product: Debt collection

Aggressive agency continues to call a phone number that is registered to my XXXX XXXX XXXX mother asking for me. I have no idea who these people are the gentlemen that keeps calling is very rude, loud and has attempted to intimidate me and my mother with loud talk and aggressive voice tone, leaving messages after I have told them I don't know who they are I dont owe anyone any money and cease calling and to take my moms number out of your phone they have refused to do so, calling from multiple numbers from various area codes, the recent call was today XX/XX/22, where by this person once again left a message attempting to intimidate a XXXX XXXX XXXX again this is her phone, not mine and I don't owe any money to anyone when asking this person to show proof I owe any money the person attempted to trick me into saying its my debt when in fact it is not. I dont know these people I signed nothing with them or there client whoever that may be and I am being harassed and so is my mother by these people calling a phone that belongs to her top calling trying to collect on debt that doesn't belong to me I checked my credit today these people placed this on my credit report saying its XXXX XXXX XXXX XXXX I dont have any credit accounts with XXXX XXXX XXXX XXXX there is no wet signature with said company and XXXX XXXX XXXX XXXX XXXX. cease and decease, remove the erroneous reporting and or show proof its my debt I didn't sign anything for credit with XXXX XXXX XXXX XXXX or this agency
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 anted
ates 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Since Resurgent Capital Service owns said debts. Please send proof that a 1099 was sent or not from the original creditors. Please provide to me that Resurgent Capital Service is licensed to collect in the state of Pennsylvania and also the UCC and USC codes stating that you can collect on said debt in Pennsylvania and provide the agreement and my wet signature between us and any documents stating that an arbitration was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have ten negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit card

I opened the account with Sinchrony home ( bank ) in XXXX and paid month by month taking advantage of the 12-month payment offer. first with the purchase of a piece of furniture at XXXX XXXX XXXX XXXX. and after 6 months we purchased another product from XXXX XXXX, with the same 12-month interest-free credit opportunity. Unfortunately, in XX/XX/2023 I became unemployed and paid almost all of the furniture and asked for the payments to be extended. They informed me that I could still pay until XXXX of this year with the possibility of taking advantage of the offer. In the month of XXXX, I reopened a Care Credit account from the same bank and advised that they would allow me to receive the refund of my taxes to make the full payment. Last Monday, XX/XX/XXXX, I called to let them know that I would soon make the full payment, they told me and today I called to make the full payment of XXXX dollars. At the end they thank me for being an excellent customer and announce that unfortunately they have closed my account. to which I tell them that I don't understand, because I wasn't calling XXXX, but they told me that since I hadn't paid since XXXX and they were trying to collect the debt, I no longer had the opportunity to use the card that they themselves closed. I told them how much this frustrated me because I know how delicate it is for a bank to close my account and the worst without having submitted my debt to collection and having demonstrated that even without a job I was responsible for my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept seeing late payments being reported by lendmark financial but you couldn't see the late payments they were reporting the past old derogatory remarks section I finally found them last week and from XX/XX/XXXX to XX/XX/XXXX they reported 40 late payments and we disputed it 2x already they refused to fix them then last week we disputed it for the 3rs time and then instead of fixing it they report 20 more weeks of late payments the account has been closed for over 1 1/2 years it's a local office worker names XXXX XXXX he is purposely reporting the late payments knowing I'm in business and this has crossed the line esp now the reports need to be removed after this little stunt I just lost my SBA loan over this action my credit just dropped nearly 100 pints and I want something done or I will take a personal approach and make a physical interaction over this issue it's an attack on my personal well being and it's a cowardly attack on me and my life and now it just turned beyond personal and today something is being done about this this doesn't just effect me it's effect my community especially knowing I am working on developing a rural community growth and development company and this just drove it in the ground and at this point I only see one option and it's an attack on this local office me and them and I have to follow through with this it's been happening long enough this was discussed last week it was supposed to be fixed and they were still reporting it as an open account I am done like I said I have nothing to lose at this point and this is why there are shoot outs in rural America/ the Urban jungles. XXXX piece of XXXX like this guy personally attacking hood honest people because he was caught working with a local dealership giving out predatory loans and taking side money and this is his retaliation back XXXX no not anymore he will pay the price on lead weight that he adds on you can rest assure that. I want legal actions brought against this company and I want this man XXXX in the stress no doubt. He won't make it this far.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection letter was tagged with my credit file for services I never received or purchased. According to I c system Inc., XXXX XXXX XXXX XXXX XXXX, MN XXXX ( collection agency ), I am have been delinquent on an XXXX XXXX XXXX account for {$1100.00}. This appears to be the same collection letter that has been sold form on e collection agency to another. I was a victim of Identity theft a few years back and this collection keeps repeating itself with different collection agencies. I have never ever had an account with XXXX XXXX XXXX in my life. how could this be my debt? Please help me resolve this ridiculous practice. It's very stressful when your credit is disrupted. My credit record reflects that I have outstanding credit rating and always paid on time even with high dollar accounts. I need this fraudulent claim removed from my file. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX 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 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

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX.

I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter.

Very Respectfully, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I called Merchants Credit Group, asked for a supervisor and spoke to Mr. XXXX. Mr. XXXX stated that both he and Merchants Credit Group are neither aware nor associated with the account number XXXX thats reporting to the credit bureaus. Mr. XXXX stated that the only accounts that he can locate are XXXX, XXXX, XXXX & XXXX. Mr. XXXX stated he could not disclose any more info on what type of debt, etc and Hung up. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they have the wrong individual, to correct their records and cease all collection activities. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating Im disputing the debt AND requesting validation of the debt. 
Merchants Credit Guide failed to validate the debt within 30 days by law. 
Merchants Credit Guide received a letter on XX/XX/XXXX via USPS certified tracking number XXXX stating they are now in violation of the FCPDA and that Im requesting validation a second time before taking legal action. 
I spoke to Mr. XXXX again on XX/XX/XXXX stating that the so called account/accounts NEED to be ceased due to failure of validation. Mr. XXXX stated he could not assist me and hung up. 
Merchants Credit Group received a Notice of Intent To File Lawsuit on XX/XX/XXXX stating that if the account/accounts are not deleted by Friday, XX/XX/XXXX, I will be filing a lawsuit for multiple violations. 
As of XXXX, the account/accounts are still open according to a rep at Merchants Credit Group who refused to provide me with their name, refused to connect me to a supervisor and hung up.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to delete any inaccurate accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries my credit report. here are the names of the companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : 1. XXXX XXXX XXXX Date Opened : XXXX : - Late/Closed XXXX. XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} - Charge off XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Charge off