23daVinci/CFPB_Complaints huggingface dataset:
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. has violated my rights. 

XXXX XXXX XXXX # XXXX last reported XXXX  XX/XX/XXXX, Exper XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX ( XXXX ) # XXXX account type XXXX  shows Open, Exper shows Collection ; XXXX XXXX XXXX XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX Last Active XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX XX/XX/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 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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and the letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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 Transunion. 

XXXX Account Number : XXXX {$150.00} XXXX XXXX Account Number : XXXX {$2400.00} XXXX Account Number : XXXX {$230.00} XXXX XXXX Account Number : XXXX {$1300.00} YOUR CREDIT Account Number : XXXX {$950.00}
Product: Credit card or prepaid card

Actually several things have happened. In XX/XX/XXXX, a report was filed on my credit report that I was 30-60 days late in a payment. However, a couple of weeks before the payment was due, I called them, Synchrony Financial, and told them I was expecting a paycheck to come after the due date and I needed to ask for an extension on the due date. I got no written confirmation, however they said they understood. I paid a couple of weeks late and few weeks later, the complaint showed up on my credit report, causing a pretty big drop in my score. <P/>This past XX/XX/XXXX, I made a payment for the month of XXXX. On XXXX XXXX, I went back and made a payment for XXXX. This month ( XXXX ), I logged in to make my payment and lo and behold, they are charging me for two months with a late fee. <P/>The final straw, I uncovered while noticing the late fee. The products ( furniture, half of which that fell apart and they offered no recourse or refund at the store ), had just passed the time for no-interest accrual this month. At an insane 28 % interest rate, and about {$1600.00} left on the balance, the interest charge should have been an astronomical amount of {$440.00}. However, they charged me {$900.00}!
Product: Debt or credit management

In XXXX of 2023 I paid for a Dr appointment and then was remembered direct express refuse the initial refund and the refund was on hold I finally got intouch with direct express and they reversed the charge then on XX/XX/2023 direct express took XXXX $ off my card without any explanation of letter or phone call or email I've been trying to reach them but I can't get through I just want a explanation as to why they couldn't contact me thanks
Product: Checking or savings account

New local banking relationship started XX/XX/XXXX savings account number XXXX https : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX; local number ( XXXX ) XXXX checking & savings opened XX/XX/XXXX with {$1000.00} and {$24000.00} respectively. 
Did I get {$300.00} bonus 90 days after account opening?? ABSOLUTELY NOT. 
Upon following up with them, they said I didn't enter a code but I followed the instructions perfectly. 
I believe what they are doing is simply trying to get out of the {$300.00} bonus which was promised.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XX/XX/2022
Product: Vehicle loan or lease

I did a voluntary surrender to US Bank with my RV. The RV was in A+ condition I tried to sell it and they would not lower the payoff. When I surrendered it to US Bank they rented it out for California fires for people to live in. When they got the RV back maybe one year later they auctioned It Off for half of what it was worth. They also wrote off the debt as a bad debt. Now it is showing up on my credit statement as collecting interest monthly and that amount I still owe. It was showing as a bad debt that was written off for one year and then they put it back on as collecting interest still in collections .They are showing it as a personal loan not an RV loan that was written off after it was leased out.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Cell : XXXX XX/XX/year> Navient XXXX XXXX XXXX XXXX, PA XXXX Dear Customer Service Team, I am writing to formally request a review of my account and potential reimbursement concerning my federal student loans, given the recent settlement plan offered by Navient to borrowers in similar situations. While I have successfully paid off my private student loans, I believe that my experience with the associated federal loans warrants attention due to the following factors : 1. Excessive Interest Rates : Throughout my repayment period, I faced interest rates that were significantly higher than the average market rates, creating undue financial stress. 
XXXX. Limited Repayment Options : The repayment plans available to me were not adequately flexible to accommodate my changing financial circumstances during that time.

3. Insufficient Communication and Transparency : I often found the communication from my loan servicer lacking, making it difficult to navigate my repayment options and obligations effectively.

4. Customer Service Challenges : My interactions with customer service representatives were often unsatisfactory, characterized by long wait times and limited assistance in addressing my concerns. 
In light of these issues and the recent settlement plan from Navient, I respectfully request that my account be reviewed for potential reimbursement. I believe that addressing these concerns would reflect a commitment to the fair treatment of borrowers and enhance customer satisfaction. Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my request. 

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

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : This letter is in response to your recent claim that the accounts below has verified that the accounts they are reporting under my name is accurate. 

1. ( XXXX XXXX XXXX XXXX XXXX Account # XXXX ) 2. ( XXXX XXXX Account # XXXX ) 3. ( XXXX XXXX Account # XXXX ) I advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation-This was not done. 
I requested you produce copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to this or remove this item from my credit profile-This was not done. 
Any automated response or E-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the the Texas Attorney Generals office as well, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. 95-6445 (  C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance. Section 609 states collector did not verify, " Section 609 states that you're required to send me the original paperwork that verifies this account with my actual signature ; otherwise, this is false information! '' You were advised if not provided ( which you did not to remove immediately ). Furnish immediately the signed contract or remove this account immediately. Accounts are unknown, collection, remove immediately for unknown collection. Remove this account. Because you could not provide Proof of collection validation, method of collection verification, nor furnish immediately the SIGNED CONTRACT or ELIMINATE this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong person. I am also a prior victim of identity theft/Fraud. These are the inquires in question that are fraudulent. 

XXXX 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

My deceased mother owned a house with Wells Fargo as the mortgage holder. As trustee, I sold the home and closed in early XXXXXXXX XXXX XXXX. The funds were wired to the Trust account and I was informed by the title company that there may be an additional escrow refund and that they would be sent through the title company to me to pass through the Trust for distribution. 

On XX/XX/XXXX, I received an escrow refund at my new, out of state mailing address. The check was made out incorrectly. After speaking with Wells Fargo XXXX XXXX, I was advised to try to cash the check but the amount was too large and the banks I visited would not cash it. 

I followed up with Wells Fargo and was directed to send a copy of the check and request a reissue to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I sent the email on XX/XX/2023. 

On XX/XX/2023, I received an extension letter asking for more time to respond. I immediately called and was told a case worker hadnt even been assigned. 

A few days later, I received a call in response to my " complaint ''. They needed to verify my address over the phone, although they had already mailed out several documents to my new address. The following week I received a check for the escrow refund made out to the trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my Equifax credit file, and received written confirmation by mail that the freeze took effect XX/XX/XXXX. -- -- -- While applying for a loan, I placed a TEMPORARY lift on the freeze through the Equifax automated phone system ( XXXX ). The lift was to be effective XX/XX/XXXX through XX/XX/XXXX. 
-- -- - On XX/XX/XXXX I attempted to confirm that my security freeze had been reinstated and is currently active. Equifax provides no way, through their web site or their phone system, to simply verify if a credit freeze is in effect, or if a temporary freeze has been properly reinstated. ( The other two credit bureaus make this info very easy to obtain through their web sites. ) In frustration, I called the automated number and was informed that a temporary lift was currently in effect -- this was 3 months after the freeze should have been reinstated. The automated system told me I could place a new temporary lift that would replace the currently effective lift. I did so, making the lift effective XXXX thorough XXXX, and received a confirming email from Equifax. I called the automated number again today, XX/XX/XXXX, and was informed by the automated voice that my credit file freeze was still temporarily lifted. -- -- - After considerable searching, I found a " Customer Care '' number for a live representative ( XXXX ). The representative was polite and patient, although her sub-continent accent ( XXXX? XXXX? XXXX? ) made communication difficult. The difficulty was increased by at least two other nearby call center reps who's conversations I could clearly overhear. Apparently, Equifax spares every expense possible when it come to " Customer Care ''. I was assured by the rep that my credit file freeze has now been reinstated and I should receive written confirmation via USPS mail within five days. I can't say I'm confident. -- -- - My complaint is this : Equifax 's poor security measures caused the credit report crisis, why are they not being forced to provide a user-friendly system to place, lift and verify the current status of a credit freeze? XXXX XXXX and XXXX   provide that service, and presumably -- like Equifax -- still make a great deal of money trafficking everyone 's vital financial information.
Product: Debt collection

AMOUNT: XXXX

ON XXXX XXXX XXXX, THE FOLLOWING DISPUTE LETTER WAS SENT TO FINANCIAL RECOVERY SERVICES, XXXX XXXX XXXX XXXX MN XXXX, TO DISPUTE THE DEBT AND ASKED TO VALIDATE THE DEBT.  

FINANCIAL RECOVERY SERVICES DID NOT SEND ME ANYTHING TO VALIDATE THE DEBT, AND IT HAS BEEN OVER 30 DAYS.

JULY 19, 2021

FINANCIAL RECOVERY SERVICES
XXXX XXXX XXXX XXXX MN XXXX

RE: VALIDATE THE DEBT.  FRS FILE NUMBER XXXX, XXXX XXXX XXXX

TO FINANCIAL RECOVERY SERVICES,

PLEASE SEND ME THE FOLLOWING IN REGARDS TO FRS FILE NUMBER XXXX, XXXX XXXX XXXX.

1 - IDENTIFY THE ORIGINAL CREDITOR
PLEASE SEND ME THE CONTRACT FROM THE ORIGINAL CREDITOR

2 - ORIGINAL CONTRACT WITH SIGNATURE

3 - CONTRACT BETWEEN ORIGINAL CREDITOR AND COLLECTION AGENCY
ALSO KNOWN AS ASSIGNMENT CONTRACT

4 - PROOF THAT COLLECTION AGENCY IS LICENSED TO COLLECT DEBT IN MY STATE

5 - PROVIDE COMPLETE LINE BY LINE BREAK DOWN ACCOUNTING OF ORIGINAL ACCOUNT
TRANSACTION HISTORY, INVOICE HISTORY

6 - PROOF THAT DEBT OWED IS WITHIN STATUTE OF LIMITATION FOR MY STATE

THANK YOU.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

on XX/XX/XXXX, I received an email that if I download a new banking App and pay my bill with the app by XX/XX/XXXX I'll get a {$10.00} bonus. I did exactly that, but did not receive the bonus and now the bank is not accepting this offer. I've saved the email
Product: Debt collection

Company Called and never stated I could dispute debt asked for an agreement Validating the debt I never used any XXXX services also company said they could not provide it due to a company policy having the report removed would be best until information requested is received
Product: Credit card or prepaid card

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information
Product: Credit card

I am writing to formally dispute the recent actions taken on my account and to inform you that I will be filing a complaint with the XXXX XXXX XXXX regarding this matter. 

Due to being out of work for six months, I have been making weekly payments to bring my account current. On XX/XX/XXXX and XX/XX/XXXX, {$160.00} was deducted from my moms account ( XXXX  ) under the name XXXX XXXX, as I am an authorized user on this account. Another {$160.00} was deducted on XX/XX/XXXX. However, I recently received a letter from Kohl 's stating that my account has been blocked due to suspected fraud. 

On XX/XX/XXXX, I contacted your customer service and spoke with a supervisor named XXXX ( ID number XXXX ). During our conversation, I was informed that my account was blocked due to non-payment and returned checks. I explained that I have proof of the payments that have been taken from my mom 's bank account, but XXXX insisted that all my payments were canceled and advised me to check with my bank for verification. 

Additionally, I reviewed my Kohl 's statement, which clearly shows the payments made and indicates that I have available credit. This discrepancy makes no sense and adds to my frustration regarding the handling of my account. 

I find it unacceptable that despite my efforts to make weekly payments, my account is in jeopardy of being closed due to an error on your part. I am actively trying to rectify this situation, but I feel that my concerns are not being taken seriously. 

I expect a prompt resolution to this issue and that all my payments will be properly reflected on my account. If this matter is not resolved satisfactorily, I will proceed with filing a complaint with the XXXX XXXX XXXX. 

Thank you for your attention to this urgent matter.
Product: Debt collection

I am writing to formally address the ongoing issue of debt collection regarding an alleged debt from 7 years ago. I want to emphasize that I do not owe this debt, and as such, I find the repeated threats and harassment from your end unacceptable. The continuous stream of phone calls, which borders on harassment, has caused significant distress and inconvenience. 

I hereby request that all communication related to this matter cease immediately. According to the Fair Debt Collection Practices Act, continued communication under these circumstances could result in a violation penalty of up to {$1000.00} per call I expect this matter to be resolved promptly and professionally. 

Your cooperation in this regard would greatly be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see Verifiable Proof from Experian, XXXX  and XXXX ( an original Consumer Contract with my signature on it ) and have a file of the accounts listed below. The failure to positively verify these accounts, has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. I demand the following accounts be verified or removed immediately. Please add a Promotional Suppression to my credit file. Which, nothing was sent or handled. In addition, investigation always exceeds the 30 day window. 

XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX  XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account
Product: Student loan

My XXXX student Loan was bought by Pioneer Recovery. They did not call, send a letter, or notify me in anyway that they would start garnishing my checks. My HR dept. at work notified me that my check would be short due to garnishment. I called and they told me that I would have to get information from the Dept of Education on what loan they are garnishing for. Now that they are garnishing they keep harassing me to sign up for their repayment program.
Product: Debt collection

I don't get a lot of calls on my land-line. I keep it for emergencies only. 
On XX/XX/XXXX after XXXX XXXX. The XXXX man did not identify himself and asked for XXXX XXXX. I have a few relatives with this name and none of them live at my house. I said there's nobody here by that name. And he said but you know him. He kept asking and I kept avaiding since I am not responsible for the debts of XXXX XXXX. 
When the man said, " listen, XXXX! '' I hung up. 
Then 3 days later the collection letter arrived. I can not prove that the call came from their " researcher, '' but why else would I get a collection letter for someone who does not, has never lived in my house?