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

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX was looking at my credit report and saw that I had some inquiries that wasn't mines. I didn't give these companies permission to run my credit. I am a victim of identity theft please delete these accounts. XXXX XXXXXXXX XXXX XXXXl inquiry date of XXXX, XXXX XXXX  inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX XXXX inquiry date of XXXX, XXXX  XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX XXXX inquiry date of XXXX, XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX inquire date of XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquire date XXXX XXXX XXXX XXXX XXXX inquire date of XXXX, XXXX XXXX  inquire day of XXXX.
Product: Payday loan, title loan, or personal loan

Spoke to a female representative at Bank of America, who explained to me that my check for {$260.00} would be taken care of to pay for my rent. The reason why I called is because I was checking to make sure that I still had overdraft. A week later, I receive a notice from the landlord that the funds were returned and to check with the bank. I called today and spoke with a supervisor named XXXX. XXXX explained that the previous person that I spoke with should have looked at the next screen and that I should have known that I did not have overdraft. He stated that my overdraft was taken away XXXX months ago.
Product: Credit reporting or other personal consumer reports

To whom it may concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Checking or savings account

I have been a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX years I have been working for XXXX XXXX XXXX XXXX XXXX. I am paid every XXXX weeks. In XX/XX/XXXX I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I received these checks every XXXX weeks in the same amount. Every time I take the check in to the bank I tell them that this is my paycheck and that is a government check. Every time I am told different things about the length of the time that itll be held. Sometimes its not at all. Sometimes its XXXX hours other times its almost a week I pay my bills according to what XXXX told about when my funds will be released. I have been finding that my money is not released therefore, I am being charged overdraft fees. These fees over the last XXXX months have been in excess of {$1000.00}. I have been trying to resolve this with the bank, but I have gotten no help at all. The bank is US bank.
Product: Student loan

I was checking my loan statements and my XX/XX/2019 statement showed accrued interest of {$1700.00} and then my XX/XX/2019 shows {$4700.00} of accrued interest. when I called they could not explain why. they just stated its accrued interest. i would like a complete review of my account and an explanation how interest jumped {$2900.00}. If there is an error on the account I would like interest forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 I did not authorize anyone employed by these companies to make any inquiry and view my credit. this is a violation of the Fair Credit Reporting Act Section XXXX681b ( c ) and a serious breach of my privacy rights 15 U.S.C 1681 Section604 A Section2- it also states a consumers Reporting Agency can not Furnish a account without my written instructions XXXX ( XXXX XXXX XXXX, XXXX GA XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX. ( XXXX ) XXXX Requested On XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX ) Requested On XXXX XXXX Via XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. 
PERMISSIBLE PURPOSE : CREDIT TRANSACTION Requested On XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America by mistake ( confirmed and received a letter acknowledging and attached to a dispute to XXXX ) reported a credit card account that had been settled and closed on my credit report for several years to XXXX as open. This mistake as negatively affected my XXXX XXXX from XXXX. As of XXXX, my XXXX and XXXX reporting agency 's are reporting XXXX an XXXX respectively and XXXX is XXXX XXXX because of this mistake. I am closing on my home and have asked my loan officer to hold off until XX/XX/XXXX before pulling my credit to try to get this fixed. 

I have filed approximately 3 disputes with XXXX and called approximately 6 times and got different representatives and requested that these front line representatives to escalate this issue to a supervisor to get addressed immediately as a time sensittive matter that will affect my livelihood towards my interest rate on my loan. Frustratingly, no representative has been able to escalate this issue to a supervisor or someone who could take immediate action. The first XXXX dispute were closed but with a resolution that is incorrect and the account remains now in an open status from an account that has been listed historically under closed accounts with a XXXX balance. To take a hit on a closed account a second time in error and to not have controls to protect a consumer from a gross error is unacceptable that is wrongly driving my score down by XXXX points. 

Please! Please! help to resolve this issue before XX/XX/XXXX so that when my report is pulled as my loan company takes an average from all agencies they calculate XXXX vs the an inaccurate value of XXXX when pulled. 

If someone can call me at XXXX that would be great. If it is possible sue or get a lawyer for damages on this inaccuracy please advise. I was also a victim in the leak from XXXX and to have to go through this again with another incident is unacceptable. 

Thanks for immediately looking into this issue.
Product: Mortgage

I knew this month we were going to be late in our payment to Nationstar Mortgage. I went into their site as an active account and called the support lines they provided. Each different phone number posted directed me to to answer a brief survey which they promoted products XXXX. If I chose not to accept my free vacation I landed back at that question. I could not email them and I could not get to them. They have been harrassing me for months to redo my loan at XXXX % interest rate instead of current XXXX % like other banks. I have refused as their methods are an insult to anyone of intelligence. finally, today, after my wife getting her SSI payment I tried to go online to make my payment. The door is locked I am now in collections. This company is out of control. I did just for grins send an email via " support '' asking them if I could pay the house payment with a credit card-no answer other than I can call XXXX the XXXX numbers demonstrated above.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report.

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided.

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue.

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, Transunion received an initial certified letter from me, disputing and requesting verification of various accounts reported by Transunion on my personal credit file ; the verification request included my social security information, as well as the accounts and account numbers in question. 

On XX/XX/2019, I received via regular mail a copy of my credit file dated XX/XX/2019. In their reply, Transunion has stated they have " verified the accounts '', and that they " have updated '' and/or " modified '' various fields within each account in question. 

On XX/XX/2019, Transunion received a follow-up certified letter from me requesting again to provide their Method of Verification of each account listed on the initial dispute letter. 

As of today, XX/XX/2019, I HAVE NOT received any form of a reply or response from Transunion. 

Additionally, Transunion has refused to provide their Method of Verification for the accounts listed in the dispute letter according to the FCRA 611 ( a ) ( 6 ) ( B  ) ( iii ) which states : " if requested by the consumer, a description of the procedure used to determine the accuracy of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. '' FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. '' As stated above, Transunion received certified mail from me on Thursday, XX/XX/2019 at XXXX, but have not replied within the timeframe set forth in the above mentioned paragraph. Therefore, all items referenced in my initial dispute must be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in 2020, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : 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 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 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 an account without my handwritten instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

I have student loans that were previously serviced by XXXX XXXX from XXXX-XXXX. The servicer changed from XXXX XXXX to FedLoan. Fed loans only documented my payments with them but not XXXX XXXX, leading 2 years worth of qualifying payments for PublicServiceLoanForgiveness program, being lost to the record. 

I have contacted XXXX XXXX, which did not provide me with those records after several months of effort. 
I have also contacted FedLoans (XX/XX/XXXX ), who says they will do a manual count of the documents, but it has been 5 months now. I have tried to follow up several times, with automated replies. 

I have complained about XXXX XXXX before, in an attempt to obtain my record but have not been successful. If this attempt is unsuccessful, I will start writing to my representatives and senators and complained about the ineffectiveness of the Consumer Financial Protection Bureau to confront these companies and obtain accurate records of my payment history. I am approaching 9 years of service in the XXXX and I would like that to reflect in the PSLF qualifying payments.
Product: Credit reporting 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, account number : XXXX  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 an 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  are not deleting the negatives out of my credit report as on XX/XX/2019 
OnXX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX  XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XX/XX/2019on conversation with XXXX.
Product: Student loan

I am writing to request your assistance in obtaining the Navient School Misconduct Discharge application. I hold a Borrower Defense to Repayment ( BDTR ) status and have been diligently pursuing the necessary paperwork for the discharge of my student loans since 2020. 

As an alumna of XXXX XXXX XXXX XXXX XXXX, which has been identified as a defrauded school, I meet all the eligibility criteria for the Navient School Misconduct Discharge program as outlined in the Attorney General settlement agreement. Despite numerous attempts over the years, I have encountered significant challenges in obtaining the required documentation from Navient.

Every time I have contacted Navient regarding my eligibility for loan discharge, I have been met with promises of receiving the necessary paperwork via mail. However, despite these assurances, I have yet to receive the Navient School Misconduct Discharge application.

Given the circumstances surrounding the closure of XXXX XXXX XXXX XXXXXXXX and its involvement in fraudulent practices, I urgently require the Navient School Misconduct Discharge application to proceed with the resolution of my student loan debt.

I kindly request your assistance with receiving the Navient School Misconduct Discharge application. Should you require any further information or documentation from my end, please do not hesitate to contact me. Thank you.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and credit inquiries from my credit report due to unauthorized access to my personal information resulting from a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts and inquiries that I did not authorize. 
The accounts in question are as follows : XXXX. XXXX XXXX - Partial Account Number : XXXX - Opened : XXXX - Amount : {$1400.00} XXXX. XXXX - Partial Account Number : XXXX - Opened : XXXX - Amount : {$00.00} XXXX. XXXX XXXX XXXX  - Partial Account Number : XXXX - Opened : XXXX - Amount : {$750.00} XXXX. XXXX XXXX XXXX  - Partial Account Number : XXXX - Opened : XXXX - Amount : {$5700.00} XXXX. XXXX  - Partial Account Number : XXXX - Opened : XXXX - Amount : {$5800.00} XXXX. XXXX XXXX XXXX  - Partial Account Number : XXXX - Opened : XXXX - Amount : {$12000.00} XXXX. XXXX XXXX XXXX - Partial Account Number : XXXX - Opened : XXXX - Amount : {$8100.00} XXXX. XXXX XXXX XXXX - Partial Account Number : XXXX - Opened : XXXX - Amount : {$3000.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX - Inquiry Date : XXXX XXXX. XXXX - Inquiry Date : XXXX
Product: Money transfer, virtual currency, or money service

XXXX  closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used XXXX  quite frequently. My email linked to my XXXX is " XXXX ''