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

Dear XXXX, I hope this letter finds you well. I am writing regarding the above-referenced account in my credit report ( Account # : XXXX ). Please note that I am not disputing this account. However, I kindly request additional information for my records regarding this account. Specifically, I would like the following details : Date of first delinquency associated with this account. Date of the last payment made on the account. Date of charge-off for this account. I would appreciate your assistance in providing these details promptly in writing. If any additional documents or authorizations are required to process my request, please let me know at your earliest convenience Thank you for your prompt attention to this matter. I look forward to your response.
Product: Student loan

I have been contacting XXXX/navient for years to get income sensitive repayments. I was always told I do n't qualify and instead should do a forebearance which would still have interest accrue causing my loans to be higher while making no payments. I still need my payments reduced and nothing is being done.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been a loyal customer with a prompt payment history with Barclay's/Juniper Mastercard. Back in XX/XX/2019, I noticed a pending charge on my Barclay 's Mastercard. I called the bank immediately and advised them this was not my charge. This charge was dated was XX/XX/XXXX, amount was for XXXX from XXXX ( I never even heard of this company ). They removed the charge from my account. I received a confirmation letter on dated XX/XX/XXXX advising an investigation would be made pending the outcome, I would not be held responsible.XXXX XXXX I received a second letter determining I am not responsible, pending the merchants response. On around XX/XX/XXXX, I received a call from an XXXX number, at first I didn't want to answer, it was Barclays saying they considered the transaction valid, claiming the package was delivered to my address. I closed the account immediately. Several days later, I received a letter saying the transaction was valid and the charge would be placed back on my account. 
As a result of these findings, I did reach XXXX and XXXX. The XXXX tracking information shows a package sent, and per the customer it was pulled off the truck and signed fraudulently at a XXXX facility. I also received a copy of the fraudulent signature. I reached out to XXXX, it seems to purchase was made online with a fake email address and a SECOND attempt was made but failed validity the following day on XX/XX/XXXX. I followed up with XXXX with a case number advising them of the fraud transaction. I gathered all the information along a police report and all attached documents from XXXX scanned and faxed to Barclay 's requesting an appeal. Since this incident, I did speak to a manager named XXXX at Barclay 's. I faxed and sent the information certified backing my claim and it was denied a second time. All the letters are enclosed. When I tried speak with someone who actually investigates these cases, I got absolutely no response. 
Now the case has been reopened in Merchant Dispute at Barclay 's and I feel like my issue is falling on deaf ears. I also spoke to a Customer Service Manager at XXXX, his email is attached. All my documentation is attached. Even when I spoke to several people on Barclays end they confirmed they received my information I submitted based on findings but can not explain why the transaction wasn't reversed. It is very frustrating and I do not want my credit rating jeopardized by this outcome.My initial appeal letter is also attached. I have already spoken with a lawyer but wanted to try to resolve this initially with Barclays first. All documentation will be attached and scanned. A copy of my initial appeals letter is attached. Also attached are 6 letters received by Barclays. Two of the letters are conflicting, one saying they agree it was fraud ( dated XX/XX/XXXX ) the other dated XX/XX/XXXX upheld they're decision. A police report is attached, the detective agreed when he saw the tracking information that it was suspicious.
Product: Credit card

I used a Credit Card for the car service XXXX. When a fraudulent charge was made on my account my credit card company called me and I closed the card, and a new one was sent to me. The card was closed on XXXX/XXXX/16. However, XXXX somehow allows charges to go through even on a closed card #. I had not been checking my statement as my card had been closed, and somehow {$320.00} over XXXX XXXX rides were fraudulently charged to my card. I have attached the statement that ended XXXX which shows XXXX charges in the days after the card was closed on XXXX with the largest being for {$130.00} ( that 's a long ride! ). I do not understand how I can continue to be charged by companies on a card that has been closed for fraud? When I contacted my CC company, they said they could n't do anything beyond closing the card, and so whoever stole my card information could continue to fraudulently use my closed card through XXXX at this time. I have attempted to contact XXXX, but they have been extremely slow, and did not stop my account. Essentially, I am powerless against continued fraud unless XXXX responds in a meaningful way. A closed card should be closed, charges to an account closed for fraud should not go through, and the consumer contacted to ensure legitimate charges be addressed. I will be able to resolve this through my credit card company. But I do not believe this is something that should be allowed to happen.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXXXXXX XXXX  Opened on XX/XX/XXXX Unauthorized Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I have items that are not mine. Please check the following items, make an investigation of them, and delete them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously disputed accounts with XXXX, Equifax and XXXX XXXX because I was a victim of identity theft I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), account number : ( XXXX, XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees that I have incurred over the years. Despite have sufficient funds when transactions were authorized. I was charged fees due to lagged posting of debits and credits. This issue aligns with the recent CFPB findings against navy federal credit union for similar practices, where transactions settled with insufficient funds balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed my fraud identity dispute with the FTC report, notarized affidavit and a police report and XXXX and Experian are still reporting information from the result of fraud. Their response to my previous complaint states they are still working on it ; however, the FCRA 605B ( 15 U.S.C. 1681c-2 states the information should be blocked within 4 days. As you can see, this investigation has taken over a year and I keep getting the same response this account is verified. Well XXXX and Experian are in violation at this point and they wont even send me the documents or details that they have to keep verifying these fraudulent accounts. I feel like my disputes are being handled by a machine and they are not following the rules which prevents me from having a fair investigation. I demand proof and to have the accounts listed in the dispute blocked immediately, all 3 bureaus have had much more than 4 days to block this information and finish their investigation. I followed the rules and so should they or there will be a lawsuit filed if I receive the same response again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts listed below due to my status as a victim of a data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I believe my personal information has been compromised, and I am taking necessary actions to protect my credit. 
Please find the details of the accounts that I request be blocked and deleted : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I won't accept your refusal to address my identity theft claim simply because you've labeled it as an error or a distortion of material facts. Who in the world granted you the authority to pass judgment on material facts? You're neither a judge nor a jury, and you certainly lack any such privilege! The FTC clearly stipulates that upon receiving an FTC identity theft report, filed with a law enforcement agency ( which, incidentally, is the FTC itself ), you are obligated to comply with the law. Consider this your final opportunity to process my identity theft request. Failure to do so will lead me to pursue legal action in a courtroom where you will be held accountable for the damage inflicted upon my reputation, credit, and the profound emotional turmoil I've endured due to this issue. I assure you that the negligence surrounding material facts will become exceedingly evident, and you will bear the consequences for your actions. XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account was closed and charged-off. XXXX XXXX kept the account in-house and I made payment arrangements to pay the account with XXXX XXXX XXXX XXXX. For each month that I made a payment, XXXX ( XXXX ) continued to report the account as charged off each month. The definition of a charge off : A statement by a creditor ( = someone who is owed money ) that a debt will probably not be paid and is counted as a loss. For most account types, a charge off will occur after 180 days of missed payments. 

A charge-off can only occur ONCE in the lifetime of an account. A charge-off is a single ( singular ) statement that an account most likely will not be paid. 

XXXX XXXX ( XXXX ) Is re-reporting the original charge-off that occurred on the account every month EVEN WHEN I HAVE BEEN MAKING PAYMENTS. 
Experian shows FP for this account every month which means Failed to Pay. On another screen in Experian it shows CO every month for Charge off. This is NOT fair credit reporting. An account can only be charged off ONE TIME. Why does a creditor, that keeps an account in-house get to continuously report the account as a charge off every month? Not a single person from XXXX, XXXX or the CFPB could show me anything in writing that states If a creditor keeps your charged-off account in-house they can report the charge-off every month until paid I am going to need to see proof of that in writing effective before my accounts were charged off to agree with this process. 

Fair credit reporting is important. My account was charged-off, I take responsibility for that, and I am paying off the balance. You all need to do one-of-two things. Add a CP for charge off being paid or charge off in payment status OR only show the original singular date of charge off. THAT is accurate credit reporting. Showing FP and CO every month for accounts that are or are not being paid is malicious and spiteful. 

I dont want this changed on just my account, I want it changed for EVERYBODY and I want it retroactive for all the accounts that are impacted. My account was in good standing for 5 YEARS before I reached my financial fail and this is the payback I get for paying this account IN-FULL, balance fees interest and all. They get a tax write-off for the charge off. Do they have to pay the IRS back?? 

I want to see documentation that this creditor can perform this type of monthly negative reporting on my credit report in writing or I want all the credit reporting RETROACTIVLY changed for EVERYONE who has had this experience with any and all creditors.
Product: Payday loan, title loan, or personal loan

The loan was at 148 % for 17 month auto bank payments. at the end of the loan, the american first finance co. began draining my bank account at {$130.00} a day. after several daily thefts, I had XXXX  XXXX XXXX reverse the illegal withdraws. at which point American first finance turned the account of stolen money over to the XXXX XXXX  XXXX to get back the stolen money and report it to credit services if I do not Pay what they stole!
Product: Debt collection

I am sending this again because you think Someone else is doing this for me. No, Im doing this for me, XXXX XXXX. Except this from ME please. 
XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report, These items must be removed immediately from my credit report CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Debt collection

Checking my credit report XX/XX/2018 with all 3X Credit Bureau 's, I overcame a account reporting a balance {$900.00} placed for collections, I've told them i have knowledge of this debt, Collectors harass me consistently while living my day to day life.
Product: Checking or savings account

I deposited three checks which turned out to be fraudulent. I notified the bank immediately when I found out about the fraud. The bank locked me out of my accounts and turned it over to their fraud department. However, it has been a month since the last bad check was deposited. Two of the three have been returned, one hasn't been. 
The bank deducted the amount of the bad checks when they let me close my savings account, however, they will not allow me to close my other checking account. That checking account was not compromised and the bank should be able to verify that. 
They have been putting me off since XX/XX/14 and are holding onto over {$10000.00} of my money and they will not let me have it. 
PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Didnt authorize credit pull only asked for rough numbers and did not authorize dealership rep
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. 
Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX  # 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 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, credit repair services, or other personal consumer reports

Hello, I submitted a dispute with Transunion on XX/XX/XXXX regarding incorrect late payments reported by XXXX on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. The response I received from Transunion did not even address the dispute or questions answered.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi, I'm XXXX years old and I own a business so I realized I needed to get a credit card in order to start building my credit. I also work a 9-5 job as well. I was using my capital one secured credit card as normal and had put my account and routing number. Here 's where the problem occurred. When i mobile deposit my checks from work it gives me routing and account number. I thought that that was MY bank account numbers but it turns out it was my jobs bank account. Therefore, i put my works bank account as the payment method without knowing, put some monthly charges, hid my card, and didn't look at it for a while because i knew i had a recurring charge and was set up automatic payment. Everything was going smoothly and I was making my payments as normal. After about 3 months or so of having the card, I opened up the capital one app and realized my account was closed. I was extremely worried and confused because I know closed accounts are not good and this was very hard to get approved for. it turns out my works bank account managers saw these credit card payments and decided to return all the payments. Capital one obviously does not like this and closed my account for violating terms of service under " returned payments ''.
Product: Debt collection

Collection company is trying to garnish my pay for a debt I owed XXXX XXXX from 2016. XXXX wrote this debt off and Collection Attorney, XXXX XXXX is trying to garnish me.
Product: Student loan

As a full-time employee of a qualifying non-profit organization, I am able to make payments that count toward Public Service Loan Forgiveness. Despite filling out all appropriate paperwork and getting certification from my employer promptly each year, only 8 out of 13 of the payments were counted toward forgiveness, despite the fact I made  all of them promptly and within the requirements of my income-driven repayment plan.