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

TO WHOM IT MAY CONCERN ; I am writing to let you know that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found several items that are inaccurate or questionable. The numerous accounts in question are attached to my identity theft report. All of the accounts are not mine and I am a victim of identity theft. Please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Product: Debt collection

I enlisted XXXX to assist me with credit card relief/negotiations. One organization they are helping me with is SoFi. I have two loans through them. 

On XX/XX/21 I sent Sofi two certified letters requesting they cease communication with me save for the US postal service. The letters also instructed them that I am working with XXXX to settle the debts. 

Starting on XX/XX/21 XXXX has called me 3 times a day, 6 days a week, at approximately XXXX, XXXX, and XXXX. These calls still ongoing as I write this complaint on XX/XX/21. This, to date, is XXXX phone calls just to me in addition to at least 7 calls to my wife.
Product: Mortgage

When the mortgage forbearance ended in XX/XX/XXXX, I applied for a loan modification, from my lender, PHH, in XXXX. I was still struggling to make my mortgage payment. My income was still limited as my income was/is from rental property and the tenants were not working and therefore not able to pay rent. They too were under the moratorium and could not be evicted and replaced. 
I applied for the loan modification to avoid foreclosure. I submitted all the documents PHH requested in a timely manner. I updated documents when they requested. They have repeatedly asked for the same documents such as bank statements, pay stubs, profit and loss statements, over and over again and the ones I have been sending have not expired. On XX/XX/XXXX they told me the modification had been approved and I would receive my modification package in 7-10 days. When I called to inquire about the package, they told me I had to send more documents. This is a systemic practice they have been using to force me into foreclosure. I never get the same Relationship Manager and they all have different stories.
Product: Credit card

I am a XXXX yr old vet whose memory is shot During this Summer had issues with Bank of America as to my balances Some during the summer it sent me approximately XXXX which it owed there after a supervisor in the XXXX XXXX advised that I was entitled to XXXX more which woud be sent by the end of XXXX havent seen the money Ive called various time and was told that check is going out in a few days still nothing my last call I actually spoke to a supervisor she looked at my file and because I wasnt able supply her with the numbers of the cards because I had many different card I said that I spoke to someone from the day before saw that I was in tiled to the XXXX I asked to speak to person I spoke to and listen to the conversation so that she can see that I am indeed entitled to the XXXX the supervisor said she will cal me back the next Which is more than a week The reality is that the bank owes me XXXX and is doing all in its power to XXXX a XXXX yr of veteran who has memor issues I told the supervisor to call XXXX in XXXX XXXXXXXX XXXX  who was the one to tell me Im owed XXXX if thi agency really wants to take the initiative call XXXX in XXXX XXXX and listen to all of the calls between and me or the other calls between me and the other service people
Product: Credit reporting, credit repair services, or other personal consumer reports

The salesperson claimed that they will be making a soft inquiry on my credit score. I reconfirmed it and he reassured me. 

5 minutes later, I receive a notification on my Experian app that a HARD INQUIRY was made. 
Finance manager came out and I asked him about it. He was adamant that it wasn't a HARD INQUIRY because that only happens for banks. 
I asked him to send me an email to support this claim. He refused. 

Dealer in reference XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I lost my job back in XXXX after the birth of my son and tried to file with Navy Federal about involuntary job loss. They asked for proof which I provided to the best of my ability. They asked for government assistance proof but I didnt file for one since Ive been an XXXX  XXXX since XXXX. Navy federal and their third party XXXX XXXX  said that my assistance insurance ( which Ive been paying every time I make my payments since XXXX when I got the credit card ) has been denied because it only applies to people who are employed and not people like me who are self employed. So then I asked why I was not told that I dont qualify for it since the beginning since I wouldnt accept paying for a service I know well wont benefit me incase of unavoidable circumstances and also why Im not getting a full refund? They couldnt answer my question and make big deals out of nothing giving me an analogy about car insurance which didnt make sense at al. Since then when I call Navy federal, they send me to XXXX XXXX  and when I try talking about to XXXX XXXX, they send me to Navy federal and its immensely agitating. I want to add that I had to provide proof before getting the credit card that I was self employed that is an XXXX  XXXX and a 1099 which at that point they would have disclosed that I dont qualify hence avoid paying for insurance.
Product: Student loan

I have asked that nelnet remove XXXX accounts from my transunion report. They are reporting my name incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I

m 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 https : //www.ftc.gov 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 is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX, You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 4861681. Before I proceed I would like to make it clear to your company, and those in positions of Authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me. Pursuant to 15 us 1681 ( a ) ( 1 ). Pursuant to 15 us, 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority. Pursuant to 15 486 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, XXXX XXXX, and XXXX. I have been unable to get a job because of you assuming this role. Pursuant to 15 u8, 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with ; me the consumer., You have no proof that this transaction even took place, You were also impartial because you allowed information to be reported while only hearing one side of the story You also infringed upon my right to privacy by having a conversation about me with a third party, and reporting this information as a result of that third party. I am demanding that this information be removed as soon as possible. Pursuant to 15 us 1681 ( a ) ( b ) You did not meet the needs of commerce because this was notFair and equitable to me. This information is not accurate, nor is it relevant to me. Nor was this False information properly utilized in a manner that is or was equitable to me. This transaction If it even took place should've been confidential so you in fact betrayed my confidence, You are in violation of 15 43c 1681a ( d ) ( 2 ) ( A ) 0 ) If this was a factual transaction ( Which you would not know because you were no there ) it would in fact be a transaction that sly took place between me and the person who allegedly made this report. So pursuant to 15 us 1681a ( d ) ( 2 ) A ) ( I ) it should be excluded from my consumer report.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company velocity investments LLC and XXXX XXXX XXXX 

As outlined in the agreement, the purpose of the XXXX XXXX Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit card

I received a CareCredit credit card in the mail. I have never heard of this company and have never applied for credit with them. The account, which I did not authorize, was in my name and had an {$18000.00} credit limit. The account had all of my personal information, including my social security number, physical and mailing address. When I called, I asked to be transferred to Fraud. The supervisor in fraud was nice but would not tell me how they received an application with my name on it. I would like to know how this happened specifically ; Was it an online application? Was it a paper application? Was it done by an employee of this company? I 'd like to know so I can protect myself from this happening again. 

I now have to notify the credit reporting agencies of potential fraud and have any new accounts blocked. This will undoubtedly mess up my ability to receive the best pricing options in the future on purchases.
Product: Vehicle loan or lease

I reviewed my contract and I saw that I'm paying XXXX dollars for products that I won't use and don't need it, including tire protection and warranty. 
That time that I signed the contract I couldn't understand English very well, I'm taking English classes now. 
So they sold XXXX dollars to me for XXXX miles warranty for example, but in my lease I just can use XXXX miles. At the end of my lease I will give the car back and I don't want any car from Toyota. 
Today XX/XX/18 I called there and they said that based on the miles that I used they will pay me back, but this is not fair, because my car has the lease warranty, this extra one that I'm paying is extra, so this is not right, they don't want to pay me back the full amount for this e for the other products that I don't need and never asked or knowed for it. I just don't know English very well, but I'm not stupid.
Product: Vehicle loan or lease

I reviewed my contract and found several inaccuracies and discrepancies within it. I was charged a XXXX downpayment on a CREDIT contract. The finance charge is the sum of all charges. Interest, deliver service fees, loan fees, premium insurance to cover any defaults, broker fees, insurance for the vehicle and insurance to cover health, life, accident, and gap insurance, are all included in finance charge. The finance charge does not include type payable in a comparable cash transaction meaning finance charges can not have cash or a down payment of cash involved. Fact, pursuant to 12 CFR 1026.23 ( b ) ( 1 ), I was never given full disclosure, notice of the right to rescind. These discrepancies are grounds for a breach of my contract. They violated my right as a consumer and I am requesting that they rectify this matter immediately.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692g ( Validation of debts ) and 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my credit file, and 15 U.S. Code 1681e - Compliance procedures. 
The specific inaccuracies I have identified include : 1. Account Number Discrepancy : The account number appears as XXXX on XXXX XXXX while it appears differently on other credit reports. 
2. Account Status : The account status is inconsistent ; on one report, it says " Paid, '' while on another, it says " Closed. '' 3. Date Opened : The " Date Opened '' reported is inconsistent with other information.

4. Payment History : The payment history reported does not match the actual account history. 
Given these inaccuracies, I am requesting a thorough investigation into this matter and demand that all erroneous information be corrected or removed. I expect written confirmation of the resolution within XXXX days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. 

XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$17000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX {$3600.00} XXXX & XXXX # XXXX XX/XX/XXXX XXXX {$4900.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX 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

On XX/XX/2022 i was transfer from XXXX XXXX to this company XXXX XXXX since XX/XX/2022 when I started this complain that as I found today havent been resolve, I have lost my job due to the incorrect reporting on my account to the credit agencies, I was denied plenty credit application including the refinance I was trying to do with another companies in order to get rid of this horrible company, the not only report my account status incorrect but they shown that I owe them money when they had all the money that was transfer from XXXX XXXX Still I paid them all as of today and they agreed to send the information to the agencies in order to fix my credit with the truth and the same day I pay the last month I was holding g in order for them to fix this. They reported to the agencies that I was late 90 days when that was completely a lie. I am tired of fighting with this company for over 9 months in order to fix this and they only laugh on my to the point that in XX/XX/XXXX I lost my job because all the bad things they reported incorrectly to my account. I have spoken to 49 agents, 12 supervisor, 7 back-up team members and 2  customer care manager and only supervisor XXXX was the only one that was able to start a real dispute with all the departments involved on this. The same that was in communication with XXXX from the credit department who offered me to pay the month of XXXX which I was holding it in other to force them to fix the issue and he was going to send a letter to the agencies in order to fix my credit. Turns out m, they reported 90 days late the same day and as of today no- financial company, field that I work in, they want to hire me because my credit is a mess and low due to this disaster they made in my life. I am recurring to you in faith that I have the solution in order to clean my name and recover my credit score since they put me in the low level ever. Please help me out. If you need to contact me. Please call me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Double jeopardy Chrysler capital Soled the debt to XXXX XXXX, who is reporting it as a charge off, but the same debt is reported by collection agency By the name of XXXX XXXX XXXX amounts incorrect the used information that I gave them lately to up date to keep on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason, I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US DEPT ED, USDOE/XXXX. There are also some inquiries that are not mine AN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I have contacted the FTC and the Georgia police.
Product: Debt collection

In XX/XX/XXXX, I was informed by XXXX XXXX about a collection that I had no knowledge of. I immediately contacted the collection agency to clarify that the debt was not mine and was a result of fraud and identity theft. However, the collection agency has not fulfilled their obligation to prove the validity of the debt.
Product: Student loan

My federal student loans are handled by XXXX XXXX ( PHEAA ). 
On XXXX XXXX, XXXX I uploaded a complete packet of materials requesting that my loans be moved from IBR to REPAYE. ( Uploaded XXXX as I always do for IBR paperwork. ) On XXXX XXXX, XXXX I received a notice that I was kept on IBR and my amount was the same. 
I called immediately after receiving that notice and was told the person who processed my application made an error and thought I had not requested the {$5.00} forbearance. The representative told me she would get it re-processed and I would be on REPAYE within XXXX10 days. 
I heard nothing and was still on IBR so called again on XXXX XXXX. I was told it was still in the works and to call back on the XXXX if I did not hear back. 
I heard nothing so I called back on XXXX XXXX and I was told it was being processed that day and that I should NOT pay my bill due on the XXXX. I clarified this with the rep multiple times to be sure I understood correctly that I should NOT pay my XXXX XXXX bill. He was adamant that I NOT pay. He said the {$5.00} forbearance would cover XXXX. 
I am now 11 days past due and have not heard anything back. My account now not only shows my past due payment but also the full IBR amount due for XXXX, meaning that my payment is still on IBR and the XXXX bill was not covered by the forbearance as promised. 
I sent an email on XXXX XXXX, XXXX with all this information requesting some assistance and guidance. On XXXX XXXX I received a reply that was only generic boilerplate about repayment options. 
It has now been 75 days since I originally submitted my request to move to REPAYE.