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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance Owed : {$9100.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Citibank credit card account was paid in full and then they still charged monthly interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN : I am writing this letter because Bloomingdales has incorrectly reported that my credit card account had late delinquent payments in XXXX and XXXX XXXXI am asking that the error be corrected, and the reporting of the delinquent payments be removed from all three credit bureaus as previously reported to by Bloomingdales due to the explanation below. 
In XX/XX/XXXX, due to a security compromise, it was necessary to close my checking account and open a new one, which I did. In XX/XX/XXXX, I had a balance due on my Bloomingdales credit card account which I successfully paid on-time and in full using my new checking account which brought my balance to XXXX. However, the automatic payment feature was still active and tied to the checking account that was closed in XX/XX/XXXX. Bloomingdales attempted to withdraw a second payment from the closed account which was rejected by my bank., even though I had a XXXX balance. I spoke to customer service agent XXXX # XXXX and she confirmed that Bloomingdales did not have the technology to recognize the {$XXXX} balance when the automatic payment feature attempted to withdraw a second payment. 
Bloomingdale went on to charge my account an NSF fee of {$27.00}. 00. Since my current checking account was debited for the total balance due on the payment due date, XX/XX/XXXX, I had no reason to think that any fees were billed or that I was delinquent with any payments to my account. It wasnt until XX/XX/XXXX that I made this discovery. I called customer service and they removed the fees, however, Bloomingdales reported to that I was 30 and 60 days delinquent to all three credit bureaus. I even spoke to supervisor, XXXX # XXXX, who said that it would be removed. A week later I received a letter from Bloomindales saying that the derogatory report could not be removed. Thank you for your time in correcting this urgent matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This Information is Incorrect XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card

on XX/XX/XXXX Me and Navy Federal Credit Union discussed a settlement and agreed at {$8600.00} for a {$13000.00} balance on the XXXX XXXX XXXX XXXX that has been closed since XXXX and procured interest at +18.00 % of the unpaid balance. I paid {$1000.00} that day in addition to previous payments towards a stubborn balance. 


The statements says it will take 27 years to pay off. 


So, on XXXX I authorized the settlement payments over the phone. 

I was under the impression that the payments would be withdrawn where as we discussed withdrawals from my savings account. 
*** The representative never stated that the remaining payments Needed to be made by phone every time or that I would have to set it up manually after our call for the agreement to hold. *** However, their calls are recorded and I asked the supervisor did the representative relay the information that I would need to set up the additional payments manually where as they were only authorizing a payment for that day and not any further, she said she did not hear him disclose the information or provide those necessary details. 

That disclosure/information would have been vital for success of the settlement. 

Where as the authorization I gave over the phone was my understanding of a reoccurring withdrawal authorization because we discussed a date and from which account the payments would be withdrawn. 



Solutions : I asked her if we get a new agreement and possibly at a lesser amount than before or the remaining balance ( around {$7400.00} ) and she said they were not legally required to share that information or clarify that future payments would require action by phone. 

I contacted you guys because I believe the authorization of my payments over the phone was to be automatically withdrawn. 
___ I asked Navy Federal for a review of my interest rate because of the SCRA act stating no more than 6 % of interest for XXXX XXXX, Reservists, and other members of the armed forces. They sent me a form to fill out for my proof of service. 
I have paid on this credit card through financial struggle and Navy Federal has withdrawn money from my accounts without authorization because they said " It is their right to '' they have applied + $ 18.00 % in addition to my minimum payment consistently regardless of the payments I've made. 

Before I proceed with any further payments or agreements I would like you guys to help me. I am a new mom, I just had my son in XXXX, and before COVID-19, I was a stellar member with my finances in order. 

I even asked could we tally up payments made to the account to come to a solution of settlement because I want to be a homeowner and have a greater credit score, but they are hindering me with the negative reports, excessive interest, and misleading agreements.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax and the entities responsible for allowing the entry of these unauthorized credit inquiries on my credit report. I am requesting the immediate deletion of all 26 inaccurate credit inquiries, as these were the result of identity theft and were made without my authorization, in clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n.

Details : Unauthorized Inquiries : The 26 credit inquiries, listed in my report, were made without my consent. Each date listed represents a separate unauthorized inquiry. This constitutes a willful violation of the FCRA, which prohibits obtaining a consumer report under false pretenses or without a permissible purpose. 

XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & XX/XX/XXXX XXXX Violation of 15 U.S.C . 1681n : Under this statute, any person or entity that fails to comply with the requirements of the FCRA is liable for damages. The entities responsible for these inquiries have willfully ignored the legal requirements, making them liable for both statutory and actual damages. 

Violation of XXXX XXXX ( XXXX ) : The financial institutions involved have also failed to comply with the GLBA by not providing me with the required privacy notices at the time of establishing a customer relationship. This law mandates that I be given the opportunity to opt out of sharing my non-public personal information ( NPI ) with non-affiliated third parties. The failure to provide such an option has unlawfully exposed my personal information to unauthorized third parties.
Product: Credit reporting

I have asked experian and XXXX going on 2 years now to update my credit and fail to do so. I have also indicated to them my report needs to match XXXX. I do not have any deb t and filed bankruptcy and it was discharged and its still not updated as of today and its going on two years. i can e reached at XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$9100.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax XX/XX/XXXX asking them to send verification of a negative account that is reporting on my report. XXXX XXXX XXXX : Original creditor- XXXX XXXX Amount {$350.00}. They just sent a letter back stating it was " verified that this belongs to you '' But NEVER sent how it was verified. This is direct violation of the FCRA. 
I also sent a certified letter to XXXX XX/XX/XXXX ( report # XXXX for XX/XX/XXXX ) asking them to send verification of a negative account that is reporting on my report. XXXX XXXX : Original creditor : XXXX XXXX XXXX. They only sent a reply that this account has been verified and that they will NOT reinvestigate. They NEVER sent information on how it was verified.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the charge-off notation on my credit report for account [ Account XXXX ], which has been paid in full and reflects a {$0.00} balance. Despite fulfilling my financial obligation, the charge-off remains on my credit report, negatively impacting my credit profile. 

Legal Basis for Charge-Off Removal Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681s-2 ( a ) ], furnishers of credit information are required to ensure that all reported data is accurate, fair, and substantiated. The continued reporting of this charge-off as a derogatory mark, despite my full payment, constitutes inaccurate and unfair credit reporting. 

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or misleading information on my credit report, and XXXX  XXXX is legally required to conduct a reasonable investigation within XXXX  days of receiving this request. If the charge-off can not be verified as accurate, it must be removed immediately. 

Furthermore, under FCRA 1681b ( a ) ( 2 ), XXXX XXXX must demonstrate a permissible purpose for continuing to report negative information that no longer reflects my actual financial standing. Since the account balance is {$0.00}, there is no longer a valid reason for maintaining the charge-off status on my credit report. 

Request for Immediate Action I formally request that XXXX XXXX : 1. Immediately remove the charge-off notation from my credit report with all major credit bureaus ( XXXX, XXXX, and TransUnion ) XXXX 
2. Provide written confirmation that the charge-off has been removed or updated to reflect accurate and fair reporting.

3. Cease any further negative reporting regarding this account, in compliance with federal consumer protection laws. 

If XXXX  XXXX fails to remove this inaccurate and unfair charge-off within XXXX  days, I will escalate this matter by filing a complaint with : The Consumer Financial Protection Bureau XXXX CFPB ) The Federal Trade Commission ( FTC ) The Office of the Comptroller of the Currency ( OCC ) The Better Business Bureau ( BBB ) Additionally, I will explore legal remedies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692e ], which prohibits the misrepresentation of credit information. 

I appreciate your prompt attention to this matter and look forward to your confirmation of the charge-off removal. Please provide a written response within the legally mandated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I am submitting this to all bureaus I am utilizing the CFPB. I wish to have a personal statement added to my report. I am doing this due to issues I encounter with each.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my driver 's license and paystubs to Equifax on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that Equifax may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from Equifax and I believe my consumer rights have been abused and violated.
Product: Money transfer, virtual currency, or money service

I have reached out to this financial institution about disputed transactions that I believe were handled incorrectly and therefore I was not provided a refund.
Product: Credit reporting or other personal consumer reports

I have filed a dispute against Aargon Angency with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$220.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on XXXX online but was unsucessful. I contacted XXXX via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. XXXX failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Product: Checking or savings account

On XX/XX/year> I was charged a {$3.00} fee for paper statements on my checking account. This fee was not previously disclosed nor charged.
Product: Credit reporting

I have NEVER had the name XXXX XXXX XXXX, PLEASE help me remove this nameThank YouXXXX XXXX
Product: Debt collection

I have already contacted the XXXX about this matter and the company responded ( XX/XX/XXXX ) but did not provide any information as they stated they would. 

I have never heard of this company before. I have never done business with them. I have never been in contact with this company. I have no idea if this company is in XXXX XXXX or XXXX XXXX, California. They negatively reported me to the credit reporting agencies in XXXX and XXXX of XXXX. This has had severe negative financial consequences to me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX/XXXX  XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance ; : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} ; XXXX XXXX  Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX  Balance : {$1200.00} ; XXXX XXXX XXXX  Balance : {$350.00} ; XXXX XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX
Product: Debt collection

I had contacted XXXX XXXX XXXX to provide proof of the alleged debt and they did not send it to me at my residential address in XXXX. I am an expat and want proof of the debt and they never provided it after multiple attempts to retrieve it.
Product: Debt collection

I NEVER had an American Express Account ending in XXXX. I do NOT owe American Express any money. The Account Balance is XXXX. American Express has all my correspondence and can provide XXXX XXXX XXXX copies. 

This is the second DEBT Collector that American Express has sent after me. I wrote to XXXX XXXX XXXX, explained that American Express Account XXXX is FRAUDULENT. XXXX XXXX XXXX stopped contacting me but did NOT resolve the problem. 

American Express just assigned the FRAUDULENT Debt Account XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX is HARASSING ME.
Product: Credit card or prepaid card

I sent in a complaint for a refund request due to a scamming investment that I did on my account. This person made me believe that I was going to be compensated to receive funds through his investment company if I was to invest in his company. So I borrowed out of my Citi Simplicity credit card account on approximately XX/XX/22 {$5000.00} and that scammer asked me to send him gift cards from XXXX XXXX and XXXX gift cards also from that money that I borrowed from my account to invest to his company. Then I also deducted {$2000.00} from my checking/savings account. 
I sent in a letter to Citi Simplicity on XX/XX/22 letter was dated XX/XX/22 telling them my issue and have not heard back from anyone regarding this issue. I asked to whom it XXXX concern to please reply to my letter and I have not received any reply to my concern since. 
I had to file fraud on all 3 credit bureaus close my accounts due to this and I filed a police report also. I have been a loyal customer for years with Citi Bank and also a credit card holder for many yrs now. I can't seem to get the help I need from your company
Product: Credit card or prepaid card

My BofA business card had fraudulent charges placed on it. I have made multiple attempts to get through to BofA to handle this by phone ( as they do not offer any online dispute requests for their business cards ), to report the fraud, to close the card, etc. Interminable hold times and often after waiting on hold just get an automated voice stating that no representatives can answer the call and to try again later. It is apparently impossible to get through to BofA by phone and they offer no other way to deal with the issue. 

I have not used this card in months. Any charges on it ( currently one charge and one credit from XXXX which doesn't even operate in XXXX XXXX ) are fraudulent and I want them removed. And I want the card closed as I do not wish to do business with BofA any longer.
Product: Student loan

Navient complains that I do n't pay on time but they now have disabled my online account further make me miserable, and more importantly, impede my ability to make payments or down load forms that I need. They insist that I have to call them and then put up with their rude and abusive attitudes and comments. I could by just fine if I did n't have to talk on the phone with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a statement regarding my dispute with TransUnion related to the removal of inaccurate or outdated information from my credit report, as requested pursuant to 12 C.F.R. 1022.142. Despite submitting all necessary documentation and making multiple attempts to resolve this issue directly with TransUnion, they have failed to meet the required timelines for resolving this dispute. 

Here are the relevant details regarding this matter : Dispute Submission Date : XX/XX/year> Certified Mail Receipt by TransUnion : XX/XX/year> Direct Contact with TransUnion : I have personally reached out to TransUnion on the following dates in an attempt to resolve the issue : XX/XX/year> XX/XX/year> XX/XX/year> Despite my efforts, TransUnion has not taken the necessary steps to remove the disputed information from my credit report or provide any valid explanation for the delay or failure to act within the required timeframe. 

In accordance with 12 C.F.R. 1022.142, I expect TransUnion to complete their investigation and correct the inaccuracies on my credit report within the statutory timeframe, which has already elapsed. The delay and lack of response have caused significant frustration and inconvenience, and I am seeking assistance from the CFPB to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Please find the attached documentation that was submitted to TransUnion I respectfully request that the CFPB intervene and take appropriate action to ensure that TransUnion complies with the regulations and removes the incorrect information from my credit report. I appreciate your timely attention to this matter and look forward to a prompt resolution. 

Thank you for your assistance.