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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NC, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

I purchased XXXX tickets from XXXX XXXX in XX/XX/year> to go from XXXX to XXXX. There were many changes to these tickets as shown on attached document " XXXX XXXX XXXX XXXX XXXX ''. The total shown in the file is {$2800.00}. These were refundable tickets. I paid this amount to Chase in XXXX. The flights were cancelled in XX/XX/year>. At first XXXX XXXX refused to refund the XXXX  ticket, so I put XXXX ticket in dispute. Soon thereafter XXXX agreed to refund both tickets and credited my Chase account for the full amount that I had paid for the XXXX tickets, {$2800.00}. Shortly thereafter Chase refunded this amount to my checking account and the dispute was closed successfully. A XXXX  later Chase put {$1400.00} back on my account with no charge reference and has added interest and fees for a total amount of {$1500.00} ( shown on the attached document " XXXX XXXX XXXX XXXX ''. Chase justifies this mysterious addition to my bill in the attached letter " XXXX XXXX XXXX XXXX XXXX  ''. XXXX from Chase agrees with everything that I said in his letter but then denies my request for a refund of {$1400.00}. I have requested no refund. I simply want the charge of {$1500.00} removed from my bill. It has nothing to do with XXXX XXXX and the original dispute. It is a Chase billing error. I have tried to call XXXX at the number and extension provided in his letter. He never answers. I leave a message and he never calls back.
Product: Student loan

Following is a copy of an email I submitted to Navient 's Office of the Customer Advocate on XX/XX/2018, to which the company never responded. The same problem is happening again tonight, XX/XX/2018. Nothing has been resolved. 

" Dear Navient : Every single month, I am unable to sign in to make my payment. Every single month, you tell me that I have two more attempts and then one more attempt and then my account will be blocked. Every. Single. Month. Even though the information has not changed. 

What is the problem at Navient 's end that prevents the sign-in from working? 

I hope you will fix this. Thank you. ''
Product: Payday loan, title loan, or personal loan

I had a PPP loan through Bank of America. They filed all the initial paperwork wrong and I have countless emails of proof and all evidence against Bof A in my appeal. Bank of America has refused to give any paperwork to me regarding the loan application- for which it was denied. They have refused to give me any documentation that was filed with the XXXX or any documentation at all. They are enforcing I pay back this loan immediatly. I have proof that they admit to the wrong PPP filing from their employee. They approved my loan as I am a XXXX XXXXXXXX, and are now denying it as they say I don't have a payroll. I have to pay back the PPP loan completely and Bank of America has refused to give me any documentation on the loan so I might go to an attorney to help. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I made a {$1900.00} withdrawal from my Coinbase account to my bank account. On XX/XX/21, this withdrawal posted to my bank account as expected. However, on XX/XX/21, I get an email that this withdrawal failed and a credit was posted to my Coinbase account. I did not realize that the XX/XX/21 withdrawal actually posted, so on XX/XX/21 I tried to withdraw again. Coinbase realized that there was an issue with ACH transfers on this day, and took the {$1900.00} credit back on the account, resulting in them selling some of my assets and leaving me with a negative USD balance. 

They then proceeded to lock my account, asking for me to pay back what I owe. They aren't telling me how much I owe, and they are keeping my assets for ransom. They are not responding to any of my customer service emails
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my social security number is XXXX XXXX XXXX date of birth XX/XX/XXXX their a negitive account from XXXX XXXX that shows 60 days late. That account is not mine it.s a fraud account. Also theirs another account from XXXX XXXX XXXX XXXX a loan account thats not mine .can you please have Equifax removed these accounts from my credit report. And also their 12 fraud hard inquiries. And they refused to remove them.
Product: Credit card or prepaid card

- I placed a lock on my credit /debit card because it was missing. I figured I had misplaced it in my jeans pocket or something. The lock is supposed to prevent charges from going through. 
- However, charges totaling {$300.00} were allowed to go through. When I called, they said they would issue a temporary credit however they did not. I called Bank of America to file a claim with the Claims department and spoke to the Supervisor, XXXX. He hung up on me. 
-Bank of America needs to have better fraud protections in place. 
- I have been a customer for over 30 years. I can not handle the stress of knowing that Im not protected in these events. I may look elsewhere if this is not resolved timely. The reason why I am reaching out is because of how I was treated by XXXX.
Product: Debt collection

Back on XXXX, 2019, I sent to US Bank a request to fix this problem. There is a US Bank account # :XXXX that has incurred in fraud charges.I did not authorize or benefit from any of these fraudulent transactions made on my card. I tried to fix this with the company by sending letters with FTC attached but they did not do anything about it. My credit score is being affected because of this, Please help me to fix this.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to Equifax 's intentional and willful violation of the FCRA, I faced another serious damage i.e. rejection for a guarantor insurance for an apartment. I am attaching a copy of the email from the company named the Guarantors explaining that their decision to reject me was based on information they obtained from Equifax. In addition to contacting the CFPB to request Equifax delete the inaccurate accounts, I reached out to the Better Business Bureau and as recently as a few days ago, Equifax claimed they were doing an investigation. However it seems that Equifax is stalling as they have no intention of complying with the FCRA and deleting the inaccurate accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Please see the following case numbers XXXX. 
# XXXX - # XXXX USAA finally gave me new credit cards and re opened my accounts. However, I was told that I had a " collection '' code attached to my new cards and I would not be able to use them. The company is so big that the person who opened and made my account available did not remove the negative red flags that were attached. Again I was on the phone for hours trying to work on this yet again. More wasted time. So if my accounts are in good standing and I have never been late. Then they should now be useable. They even sent me new cards. Also, I even offered to show proof of income. I want the codes removed from my cards so I can use them. Also to make sure nothing negative is reported to my credit report. This has been going on since XXXX, XXXX, 2015.
Product: Debt collection

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

Best Buy Credit card through Citibank. Card has never been late and has been fully paid off for months. I was charged a {$99.00} annual fee and within 90 days of the charge asked to have the account closed and the fee reversed. They closed the account but did not reverse the fee and are starting to send late notices after I have asked repeatedly to reverse the fee on the now closed account.
Product: Credit card or prepaid card

I am a victim of identity theft. On Wed XX/XX/XXXX I was notified via email by my XXXX XXXX XXXX alert that there was an account past due payment. Upon further inquiry into the report, it was revealed that a credit card was fraudulently taken out in my name and charges were made without my knowledge. I did not make the charges. Below is the following information in the notification : It looks like a lender has marked one of your accounts as delinquent. This happens when an account is more than 30 days past due. 

Keep in mind, we monitor all accounts on your credit report, not just the ones you have with XXXX. 

INFORMATION FOUND Lender : COMENITYCAPITALXXXX Current balance : {$1100.00} Status : Past due 30 days On the same day, XX/XX/XXXX, I then contacted XXXX credit to notify them of fraud. A notice was added to my account and cross reported to the other credit bureaus, I was informed to file a report with FTC.gov I contacted COMENITYCAPITAL/XXXX XXXX  and notified them that there was a fraudulent card and charges in my name. I was advised to call the fraud department at ( XXXX ) XXXX. I called the number advised and was on hold for more than two hours with no response from an agent. I made numerous attempts to reach an agent in the fraud department with no avail. 

I am seeking resolution of this issue so that I will not be held responsible for these fraudulent activities to my account due to identity theft. I ask that the delinquent and fraudulent charges are blocked to correct my credit report. I did not take out this line or credit and am not responsible for any of the reported charges to this credit account. 

I reported the theft of my identity to XXXX credit bureau. I plan to follow up with the appropriate authorities with hopes that this matter is resolved as soon as possible.
Product: Student loan

I am in the Public Service Loan Forgiveness ( PSLF ) program, and according to them, I still have five years or more of repayments under the program. However, I have worked in the nonprofit/public sector for 10 years. I don't believe the payments they credit for PSLF are accurate. I should be much closer to forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MEDICAL BUSINESS BUREAU {$80.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity  theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title  relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MEDICAL BUSINESS BUREAU {$80.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of a debt from my credit report due to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to comply with the provisions of Law 1006.34. This law protects consumers by establishing specific guidelines for debt collection practices and granting consumers certain rights and remedies. After thorough review of my credit report, I have discovered that an invalid debt is listed on my account. The debt in question is associated with XXXX GEORGIA XXXX XXXX. Pursuant to Law 1006.34, debt collectors are required to validate a debt upon request within a specified timeframe. Failure to provide proper validation or demonstrate that the debt is valid and enforceable renders the debt invalid and unenforceable, as well as necessitates its removal from the consumer 's credit report. This company has failed to respond within the specified timeframe or provide any evidence validating the debt. I kindly request that you remove the invalid debt from my credit report immediately. It is important to note that any negative reporting or reference to this invalid debt on my credit history is inaccurate and unjustifiable. I trust that you will handle this matter with utmost diligence and in accordance with the laws governing credit reporting. Thank you for your attention to this matter and for upholding the consumer rights. I look forward to a swift resolution. Sincerely, XXXX XXXX
Product: Debt collection

I was layed off XX/XX/XXXX .I 'm collecting benefits at XXXX per week. I contacted Seterus about a forbearance. I was told If I could make the XX/XX/XXXX payment ; make it then call for the forbearance. Their representative told me no problem ; make the XX/XX/XXXX payment then file for a forbearance. I made the payment and called around XX/XX/XXXX. I explained my wife and i had seperated during the call and was told no problem. I received the PPW and sent it in. Now I'm told by Seterusthat the Rep gave me the the wrong information. Now I have to get a quick claim deed to take my wife off of the loan so they can process the forbearance. They apologized and said they would " coach " the Rep but not fire her. Now I'm facing foreclosure.
Product: Mortgage

Hello Specialized Loan Servicing is in XXXX XXXX holder position in regards to my home located at XXXX XXXX XXXX, XXXX, MD XXXX. Recent months they have sent correspondence in reference to what I owe. I received a letter dated XX/XX/23. It was loan modification documents that they structured and sent out. I had a lot of concerns with it. The letter states to make sure you appeal no later than XX/XX/23. On XX/XX/23 I sent via fax, loan portal and email a copy of my appeal letter. Today on XX/XX/23 I recieved a letter confirming receipt of my appeal. I am submitting this to the CFPB because XXXX is known for not responding in a timely fashion or later stating they never received the documents. To protect my rights I am making CFPB aware of this so that I have a witness of the dates I submitted documents to protect me and ensure that my concerns are addressed. Thank you. 

P.S. Please be advised that this is a separate concern from the what was submitted under COMPLAINT ID XXXX
Product: Credit reporting

TransUnion LLC Priority Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX TO WHOM IT MAY CONCERN : File # XXXX last XXXX # XXXX I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your TransUnion LLC Priority Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously Damaged my credit File. I have Consider class action Law suit against the Credit Reporting Agency TransUnion. claimed that TransUnion violated the FCRA by the company TransUnion allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 
On XXXX XXXX XXXX XXXX XXXX Replied with Higher amount owned which in fact its false information when the Car was voluntary repossession back in XXXX XXXX and the car was sold and the information on my credit report for the last 13 Month has been false and missleading to Future lenders for Loans applyied for! I have been asking for this to be Removed at once and blocked from Erroneous reporting by this Creditor! Today XXXX, XXXX XXXX I spoke with Supervisor XXXX XXXX and she stated that it was correct I asked her to give me the information to show how you did your investigation she stated it came back correct information. I told her I would file this Dispute and that I would take legal Action!
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you 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. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

XXXX XXXX XXXX XXXX This account does not belong to me XXXX XXXX  XXXX account was never late it was paid as agreed XXXX XXXX XXXX account never late paid as agreed adressses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

United Collection Bureau , Inc. Continues to contact me via phone and mail regarding a debt of {$27000.00} for XXXX XXXX Visa Card . I filed Chapter XXXX Bankruptcy with the United States District Court of Minnesota Bankruptcy Court and the debt was completely discharged under Chapter XXXX bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have rights 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