23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I was expected to receive an international transfer of XXXX ( EUR ) from a non-US company called XXXX. 

Per their suggestion, since my XXXX XXXX XXXX XXXX  does not utilize a XXXX code, I set up a third party banking service called Wise. The receipt that XXXX provided shows proof of transfer on XX/XX/year>. I have not yet received it and the Wise website does not show any existing or even pending transaction. 

I have reached out to Wise as of today, XX/XX/year>. But it is unclear if they've received my request at all as I have not received a confirmation email of any sorts that a complaint has been sent or processed.
Product: Debt collection

Velocity Investments , LLC is a debt collector who has failed to verify the debt. In addition the item remains on my credit report as a chargeback from XXXX XXXX. I have never received a 1099C. The company has written off the debt and therefore the amount owed should show XXXX.
Product: Credit card

I have several accounts with synchrony bank. Mostly store accounts with one for general use. My payments are on time as you can check my credit score to confirm. Without warning, Synchrony will reduce my credit limit to the outstanding balance. That in turn causes my utilization percentage to become 100 %, and increases my interest. This should be illegal as it is an unfair penalty on credit consumers. Other banks look at the credit utilization, get nervous and either do the same or cancel the account altogether. 
Unless the consumer is habitually late, or doesn't make payments at all creditors should not be allowed to reduce the credit limit unless there is a mutual agreement in advance. Then they should not be allowed to reduce it down to the amount you owe them. They have cost me hundreds on hundreds of dollars and I am not alone. This is all orchestrated to make them more money than they are entitled to and creates a windfall for other creditors from customers who are paying their payments, not behind, not in arrears. 
This is despicable. DO SOMETHING ABOUT IT. I'm contacting my Senator and others in the Senate to see if they want to create some legislation to do something about this robbery Synchrony Bank and a few others have made a practice of doing.
Product: Checking or savings account

After 14 years of a banking relationship for my business, which was and remains in good standing, Bank of America closed the 2 accounts with any adequate explanation or any ability to get an adequate understanding of its decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a covid extension/payment assistance that was to help people affected by the pandemic, well atleast what was advertised not what was done. After, speaking with a rep about my impact from the pandemic I was told by both the Rep from XXXX XXXX  and well as it was listed on their site/mobile app that due to the pandemic more payment options were provided with extensions and option for flexible payments throughout. As I made payment to best my ability through the pandemic I was still being dock for late payments fees AND late payments on my credit reports. Iam astound how XXXX XXXX XXXX has handled this. Ive called multiple times for the past 2-3 months and each time the reps give you the run around tells you it takes 45 days for a response. They continue to change the dates transfer you over to a supervisor who dates are different from the previous .they cont. to give a run around and not acknowledge of your concerns. These lates need to be removed
Product: Credit card or prepaid card

Promotion is misleading and predatory. Advertised as no interest or interest free for 12 months. I bought furniture in the amount of {$1800.00} in XX/XX/XXXX. Promotion expired XX/XX/XXXX. Since I did not pay off the balance. I was charged {$420.00} dollars in Interest. The interest was deferred. I was not award that the interest was deferred. It was not stated on their promotion. The company could have advice their customers that their promotion is about to end and if they want to avoid the interest charged they have the option to pay off the balance. I was not aware that it was expiring. I was making my monthly payment on time even though I was jobless due to the pandemic. To charge their customers {$420.00} for 12 months period is outrageous and predatory.
Product: Debt collection

Me and my family and constantly contacted by API collection services a man called XXXX XXXX is threatening me that police officers are going arrest me. He has also told me that they are going to garnish my wages. He also said that there are court dates I have no appeared to. I called my local clerk of courts and its false. Ive done XXXX Police reports in XXXX Florida XXXX is report number XXXX and XXXX. I donot recall asking for a XXXX payday loan and i want the calls to stop API collection XXXX XXXX XXXX Extencion XXXX Also if you call them its always fast busy
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. 

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with XXXX, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, Experian has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of XXXX  for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request to Update Personal Information ASAP Dear Sir/Madam, I am writing to request an update to my personal information in your records. After reviewing my credit report, I found several inaccuracies that need correction. I kindly ask you to update the following information : Name : Current Legal Name : XXXX XXXX XXXX Also Known As ( if applicable ) : None Former Name ( XXXX ) : XXXX XXXX XXXX XXXX of Birth : Correct Date of Birth : XX/XX/year> Current Address ( es ) : Primary Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Current Employer : XXXX XXXX I have enclosed the necessary documents to verify the correct information, including : A copy of my driver 's license ( or passport ) showing my legal name. 
A recent utility bill or bank statement showing my current address. 
A copy of my Social Security card. 

Thank you for your attention to this matter. Should you need further information, please contact me at ( XXXX ) XXXX or XXXX. 

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

XXXX XXXX XXXX account opened XX/XX/2019 balance of {$1000.00} Account was opened fraudulently without my consent and or knowledge
Product: Credit reporting or other personal consumer reports

How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repo.XXXX XXXX account number XXXX.
Product: Debt collection

Southwest credit syste, without any consent of mine placed a negative account balance on my consumer report XX/XX/2023, Ive never gave any permission for these account details to be reported and I believe my rights per 15 usc 1681 exclusions, as well as 15 usc 6802 because as soon as I became aware of what they reported it was XX/XX/2023 I specifically stated in a letter to them Per the fcra as a federally protected consumer I am now opting out of Any and all authorization I the consumer may have given you written unwritten verbal and non verbal per 15 usc 6802. They continue to ignore my request.
Product: Checking or savings account

I made a deposit of a check on XXXX XXXX of {$20000.00} from my business account to my personal account and my account has been placed on hold because of this transaction.
Product: Payday loan, title loan, or personal loan

I never did business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : You are an incompetent apparatchik, and as culpable as XXXX XXXX and XXXX XXXX. I wonder if you have been bribed by Equifax, XXXX, and XXXX to ignore their sloppy security. Perhaps you will now walk through the revolving door opening on XXXX XXXX. I hope your personal information was stolen along with everyone else. 

The CFPB, one of the funnier oxymorons, should be privatized. 

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

Complaint Statement to CFPB Regarding Unauthorized Credit Inquiries I am submitting this formal complaint to address unauthorized and unverifiable credit inquiries appearing on my credit report. I did not consent to or authorize any company, financial institution, or car dealership to access my credit profile for any reason. These inquiries are fraudulent, unrecognizable, and must be deleted from my credit profile immediately in accordance with federal laws and guidelines. 

Attached are the following supporting documents : FTC Identity Theft Report Government-Issued Identification Passport These documents verify my identity and support my dispute. According to the Fair Credit Reporting Act ( FCRA ) and relevant federal regulations, credit reporting agencies are required to block and remove fraudulent information from a credit profile within XXXX ( XXXX ) business days of receiving an identity theft report and supporting documentation. 

Fraudulent Inquiries to be Removed Immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/year> Under FCRA Section 605B and the timeframe established by federal guidelines, these fraudulent inquiries must be investigated and removed from my credit report within four ( 4 ) business days after receiving this dispute and the attached FTC Identity Theft Report and identification documents.
Product: Credit reporting or other personal consumer reports

I am showing four different student loans on my credit report. Please remove the following loans from my credit report. 
U S DEPT OF EDXXXX {$1500.00} U S DEPT OF EDXXXX {$1900.00} U S DEPT OF EDXXXX {$640.00} U S DEPT OF ED/XXXX {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH FCRA XXXX ACCT # 'S XXXX, HAVE VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES CONSUMER REPORTING AGENCY CAN NOT REPORT WITHOUT WRITTEN INSTRUCTIONS 1. XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 2. XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 3. XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 4. XXXX  XXXX Bank Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXXept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX, XXXX XXXX 6. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ) XXXX, XXXX. XXXX 7. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) XXXX, XXXX XXXX 8. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX  ) XXXX, XXXX XXXX 9. XXXXept. of EdXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX rdXXXX  ) XXXX, XXXX  XXXX 10. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) XXXX, XXXX  XXXX 11. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX  ) XXXX, XXXX. XXXX 12. Dept. of Ed/XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX rdXXXX ) ) XXXX, XXXX XXXX 13. Dept. of EdXXXX Acct # XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, XXXX XXXX
Product: Credit card

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Product: Credit reporting

The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX regarding their failure to comply with the legal requirements stipulated under the Fair Credit Reporting Act ( FCRA ). Specifically, I requested the method of verification ( MOV ) that XXXX used in response to a dispute I filed. According to the FCRA, upon receipt of such a request, the credit reporting agency is required to respond within 15 days of receiving the request. 

The relevant section of the FCRA is Section 611 ( a ) ( 6 ) ( B ) ( iii ), which states that if the consumer requests the method of verification used by the consumer reporting agency during the dispute process, the agency must provide that information within 15 days of receiving the consumers request. 

I sent my request for the method of verification to XXXX via certified mail. I have in my possession the certified mail receipt with the tracking number, showing that XXXX had someone pick up the letter from the postal facility in XXXX, Georgia, on XX/XX/2024. Based on this, XXXX was required to respond to my request by XX/XX/2024. Today is XX/XX/2024, and I have still not received any response or acknowledgment from XXXX. 

This lack of response is not only in violation of the FCRA but also causes significant concern regarding the accuracy and transparency of XXXX dispute resolution process.
Product: Checking or savings account

on XX/XX/XXXX, I received an email from Discover Bank that was state that their system detected unusual activity on my accounts. For security purposes, they suspended access to both of my saving and checking accounts. The email also provided me to call, XXXX or XXXX. When I immediately called XXXX, it took me to a automatic message that telling me that the bank officially decided to permanently close all of my accounts and no further explanations will be provided due of their " business decision ''. 
I tried XXXX and it took me nearly 3 hours to reach " bank specialist '' and yet they couldn't explain to me why my accounts were frozen and furthermore state that it will take 60 days from my last deposit to receive my {$7000.00}. I've been calling them weekly to keep up with my accounts status. However, each time I call them, I would get different answers. When I called them back on XX/XX/XXXX, the person on the phone told me it would most likely take longer than 60 days to get my money back. And she wasn't sure that when will my accounts will be officially close. This doesn't make any sense to me. because when I called them on XX/XX/XXXX, the specialist ( a different person ) told me that my accounts are closed and will get my funds back around in beginning XXXX. 
I have never had these kind of issues with my local bank. The fact that Discover bank couldn't provide me any explanation regrading closure with my accounts sounds very fraudulent. And I am afraid that I would not get my money back. All of my emergency funds were in there and I am behind with my bills. I believe that Discover bank is dishonest and operating on bad faiths.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent me results from a dispute I submitted indicating : " THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE '' ( attached Pages 3 & 4 ) however on page 7 of the dispute results the item is not deleted.
Product: Bank account or service

A number of unauthorized debit charges were made to my account in violation of Banking disclosure guidelines jeopardizing my comings and goings in my day to day affairs, including my Credit standing.I contacted Customer service and put in a dispute on XXXX charges in the amount of {$39.00} each. I came in to a Bank branch to speak to someone and found a XXXX for that same amount along with an errant overdraft charge for $ XXXX.The Bank manager offered to remove the {$100.00} overdraft charge pending the completion of the dispute on the XXXX charges. I thought that my problem was solved. Upon a visit to another branch on XXXX/XXXX/15 I discovered that my account had been tapped again.I found that there had been another overdraft charge in the amount of {$70.00} despite the depending dispute investigations. I asked the Banking Representative to investigate my claims and she specified that she would notify the Assistant Branch manager and have him get back to me.I have previously made a complaint to the Consumer Financial Bureau concerning this bank.
Product: Student loan

I have been locked out of my account for months. When trying to log in, I get an error code XXXX that states my account has been disabled. I have tried creating a new account, but I then get a message that an account already exists. Getting a hold of aidvantage customer service is nearly impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account under the impression that this would be deleted from my credit report to purchase my home. I was advised that after paying it that i was to get in contact with a higher department within Chase and the deletion would be imitated. The tradline still reflects on my credit report as settled in full and should be deleted.