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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. 

On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information.

By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. 

Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. 

Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Bank of America closed my account.I would like to know why they closed out my account.I would like to my account reopened
Product: Debt collection

I have received multiple letters and a voicemail from a firm purporting to be Weltman , Weinberg , & Reis Co., LPA - the letters state that they have been retained by XXXX XXXX XXXX to collect on past due obligations. To my knowledge, I have never had any contractual or financial relationship with XXXX XXXX XXXX. Thus, it appears that an individual or a firm, under the cover of Weltman , Weinberg , & Reis Co, LPA, is attempting to defraud consumers by attempting to collect on frivolous accounts and misrepresentations. 

I have shared the attached materials with the Attorneys General offices in Ohio and Massachusetts and with XXXX. I am bringing this to your attention as well as my assumption is that many other consumers are also impacted.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, did not consent to, authorize nor benefit from any of the following inquiries indicated on the attached Theft Report.. 

I previously informed Equifax of this and received the same auto-generated response for all inquiries : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES It is the responsibility of Equifax to validate/verify all information in order to ensure correct information on my credit report. It is not my responsibility to contact all creditors directly as I never authorized these inquiries and Equifax is NOT to have this fraudulent information on my report.
Product: Debt collection

FOR THE WILL NOT GIVE ME MY FILE AND TELL ME WHAT I PAYING FOR THEY HAVE TOTALLY MESS UP MY HEALTH BY NOT GIVING AND RECORD TO MY DR. TO TELL THEM WHAT HAPPEN TO ME AND I TO THIS DAY HAVE NEVER SEE ANYTHING ON PAPER SHOWING WHAT THE DID BESIDE NOTHING FOR THERE NEG. I 'M TRYING TO GET ON THE XXXX AS IF I WOULD OF KNOWN SOMETHING IT WOULD OF MADE A DIFF IN MY LIFE I 'M NOT PAYING A XXXX UNTIL THEY TELL ME WHAT THEY DID I WAS FROM OUT OF TOWN AND THEY XXXX IT TO ME. AND TELL ME I WAS IN THE XXXX TO WHICH I NEVER WAS.
Product: Credit card or prepaid card

Today I received a credit card from TD Bank and included in the envelope was a standard-form privacy notice. It said " we can share your personal information for our affiliates to market to you '' and " you can limit this sharing '' by calling TD Bank at XXXX. 

However, this is the wrong number. The recording requires entry of the customer 's account number and other information, but then says it 's the wrong number to call for credit card customers. It provides an option to be transferred to a different line, which requires re-entry of all that information and more, and then presents phone menus that do n't include any options for controlling privacy settings. I was able to reach a representative who just re-asserted that I should call the number listed on the page, and she 'd inform a manager of my complaint.
Product: Debt collection

They call several times a week asking for XXXX XXXX XXXX and to call XXXX XXXX at XXXX. The call comes in from XXXX. States to press XXXX and disregard if I am not him. That does not work they still call several times a week. Online states it Alliance One collections.
Product: Debt collection

Incorrect amount and interests charged when nothing in the original contract or lease agreement indicates interest can or will be charged. In accordance with the Fair Debt Collections Practice Act, 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Student loan

I have several times requested a deferment but was told I was not qualified during my unemployment. I 've sent documents regarding my unemployment. When I called, I inquired about an Income Driven Plan and quickly faxed and mailed in my forms. During this XX/XX/XXXX year, I 've accrued late fees and capitalized interest charges since they put me in forbearance while they wait to receive the income driven forms I sent them. I called again in XXXX because I did not receive any letter and checked my account inbox to see if there were any messages regarding the progress of my forms I sent in - none. They tell me they have not received nor have any record of it and to resubmit it which I did on XXXX XXXX, XXXX. It is XXXX XXXX, XXXX and I have not received any answer to the forms I both re-faxed and re-mailed. Even though it 's been difficult without a job and looking for employment, I sent in a small payment because interest is accruing. After I made the payment, I received an email stating the amount of my loan and a XXXX interest payment until XXXX/XXXX/XXXX. " XXXX ''? I am not confident Navient is conducting business properly and I dont trust their system or professionalism. I still dont have an answer or letter of progress and have to continue making calls to them.
Product: Mortgage

I received a delinquency notice from my city 's department of tax collections and promptly called my lender on XX/XX/2020 to inquire as to why this might be, as my payments were current ( including escrow payments for taxes ). I spoke with someone who seemed to understand what the issue was and told me not to worry or follow up because they would promptly correct their mistake and make the tax payment. 

Several weeks later, I noticed that the taxes had not yet been paid on my city 's website and followed up with the lender. I spoke with someone who again, said he understood the issue and would resolve it - he promised to have a check send out immediately and call me to confirm progress. I never heard anything and I noted again today that no payment had been made to my city. 

Today, I called and waited on hold for an hour for a supervisor before being told I would need to hang up and wait for him or her to call me back within one hour - several hours have passed and I have not yet heard from anyone. 

I just tried to get in touch another way, by using the lender 's online help form - I submitted my issue and received an automated response. In the automated response, it read that if the information provided within the email didn't solve my problem I should respond to the email. I responded to the email and received an automated message that the mailbox I responded to was no longer being monitored. 

I have paid my lender real estate taxes on my property that were due in XXXX and my lender has not paid my city those real estate taxes. My escrow funds are for some reason being held captive by this unethical lender rather than being used as intended - to pay taxes!
Product: Student loan

I was offered a settlement for my loans via a settlement letter in XXXX XXXX. Neither the adjuster I spoke with, XXXX XXXX, nor the letter I received advised me that I was only paying one of three loans. 
Rather the letter references that the settlement offer, if paid by XXXX, NAVIENT would consider " the loans '' to be settled in full. In fact, the letter referenced " loans '', plural, three times. It never stated this was payment for only one loan. It also never made a distinction that Navient private sector was different from Navient Government Sector. It relied on me not knowing there was a difference. 
I was collecting unemployment due to Covid and had received a stimulus payment which I used to make that {$2200.00} settlement, believing I was paying my whole student loan debt. Again, at no time did the adjuster tell me there were three loans and nor did the settlement letter I received say I was only paying one. It said " loans '' plural. 
NAVIENT was deceptive in nature and banked on my ignorance. I paid the {$2200.00} in good faith on XXXX believing I was settling my whole loan obligation and was NEVER advised otherwise, either in writing or by an adjuster on the phone. 
The letter also promised to report this to all three credit bureaus. To date, this has also never happened. Another deception of NAVIENT. 
As far as I am concerned, my settlement payment was for all open loans, no matter what sector, that I had with NAVIENT. I consider the matter closed and demand that NAVIENT report as such to my credit bureaus, send me a letter confirming such in writing, and cease all emails and phone calls to the contrary. I don't owe them a XXXX more blood than they have already squeezed from my stone.
Product: Credit card

I opened this account on XX/XX/XXXX, they closed it on XX/XX/XXXX. I paid {$370.00} to this account to make it have a full and clear balance, never did anything wrong with this account. I go to use the card and it gets declined, for what reason I dont know. Before I used the card it showed available credit. Which some of which I used then the next time I tried to use it, it was declined. I called and asked why and they said, we closed the account. When asked why, the had no answers. From the first guy I spoke to until the Manager no one had any information to give. They then said the were going to send a letter in the mail explaining why they closed the account. Typically if there was questionable activity on a credit account, they either send an email asking to verify a charge or they call. I never recieved this courtesy. They just closed my account with no warning. This company should be investigated because they are running peoples credit, then extending them the credit line and then closing the accounts for no reason.
Product: Prepaid card

On XX/XX/XXXX  at XXXX XXXX  I purchased a Vanilla gift card at XXXX in the amount of {$140.00} store location XXXX XXXX XXXX XXXX CA XXXX when I opened the gift card package the numbers in front of the vanilla gift card only had seven visible numbers. The rest had a white painted strip over them which you could not see the numbers. I also tried using the card at three different locations and all three times it said card error. Afterwards I contacted the company and I told them I just purchased this grift card a few minutes ago and was not working nor was I able to check my gift card amount since the numbers were painted. The company said if I wanted to file a complaint they would need my personal information including my full address and a picture of my drivers license and that it would take about 30 to 45 to receive an email. This is not good customer service as I should be able to have access to my gift card immediately after it had been purchased.
Product: Vehicle loan or lease

Purchased XXXX  XXXX XXXX with a 6.78 rate. Attempted to Refi vehicle I owe XXXX vehicle only worth XXXX. I have been upside by alot since day 1 and did not even know. It should be against the law for creditors or banks to even finance people without advising them that they will be upside down until the end of the loan or unless they have a large sum of cash to get them out of that place. My credit have gone up to over a 750 and I should be able to refi my car loan and take advantage of the best possible rates. I have attempted to refi with my local credit union and they go up to 135 % LTV and I still can not refi my vehicle.
Product: Credit reporting or other personal consumer reports

Called to speak with representative at XXXX to verify details and to verify if they have received letter for disputed details from credit reporting inaccuracies. Was told that if it doesnt include ID and verification of identity, letter of dispute will be disregarded. Tried submitting details online to upload documents to possibly avert that issue. Unsuccessful with reaching representatives via phone at Experian and XXXX due to high call volume and continue to be rerouted to main menu automated system.

Details on report has some information that needs to be removed due to my consumer rights and would like to ensure inaccuracies are addressed regarding public record information and negatively reported accounts upon pulling credit report, it has come to my attention to that these are concerns and issues that has cause me to not be granted credit. It doesnt create an accurate and current credit picture of my situation and has caused strain in the ability to sustain basic necessities when credit extensions are needed or when it involves basic credit checks.

Letters have been redrafted and sent out, however I would like to get this issue resolved as soon as possible, seeing as how it is majorly affected my creditworthiness and ability to maintain my consumer rights.
Product: Debt collection

XX/XX/XXXX y called me yet again after i callrd them twice and ask that the stop harassing me when i get a check i will pay i did sent XXXX dollars that was i can afford they keep harassing i want it to stop now
Product: Credit reporting or other personal consumer reports

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX ACCOUNTS Name : XXXX XXXX XXXX Number : XXXX Name : XXXX  Number : XXXX
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, which appears on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. 

Please provide me with the following information : - The name and address of the original creditor. 
- The amount of the debt. 
- A detailed explanation of why you believe I owe this debt. 
- Any documentation that shows I agreed to pay the debt. 
- A copy of the assignment contract or agreement that transferred the debt to your agency. 

I would appreciate your prompt response to this request. Until I receive the requested information, please cease all collection activities and do not report this debt to any credit reporting agencies.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX  today ( XX/XX/XXXX ) thanking me for applying for a XXXX XXXX credit card account. I did not apply for this credit card account. Please note, I submitted a claim for XXXX XXXX XXXX  on XX/XX/XXXX for a very similar issue for a XXXX  credit card account. That Complaint Number is  XXXX-XXXX. Please see the attached scan ( XXXX XXXX - XXXX XXXX   XXXX XXXX ) of the letter I received today for the XXXX XXXX credit card account. This account number is different than the application for the XXXX  card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Student loan

Mislead into unrealistic payment/payback plans and high interest rate through XXXX XXXX XXXX also known as Navient. Also being constantly harassed by phone while being asked to meet unrealistic payments. Was even asked to take money out of 401k plan to make loan payments ... which I do n't even have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$540.00} ; XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank account was hacked on an institutional level in XX/XX/XXXX. 

The banking institution One West Bank a subsidiary of CIT did not have proper firewall security to protect client accounts and personal data. Nor, did they have a department to clean up their negligence after the act. 

Since then, my financial life has been decimated, and CIT admits it was not my fault. 

To protect myself, I moved to another banking institution and paid off the line of credit I had with CIT. I have a letter from the VP of CIT verifying that the line of credit account now has a XXXX balance. 

Yet - somehow they repeatedly are reporting to the credit bureaus that I am late on owing them XXXX dollars . 

They have reported this " late '' account two months in a row causing my credit score to plummet from good to poor. These late marks are for XXXX and XX/XX/XXXX. 

I have made numerous calls over the past months to the supervisor XXXX, and I have emails they admit their error from CIT VP, XXXX XXXX ( emails dated XXXX and XX/XX/XXXX XXXX. 

Talking to XXXX this week - she says they can't even find on their books that I owe them {$2.00}!!! 

Therefore, this is false reporting about me, and I want to take action. I have contacted the FDIC regulated CIT. 

This is destroying my financial life as I was trying to get a loan to pay for my XXXX-year-old grandma 's medical care. 

Anyone reading this, do not entrust your finanacial life to One West Bank - or any CIT bank.
Product: Checking or savings account

This goes back to a month ago. I called customer service to dispute ALL transactions from XXXX. Then 10 business days later, One was refunded. I was then told I had to diapute each one, one by one. So I did. Then I get multiple emails today saying I had to verify my identity for EACH disputed transaction. So I did. Which took hours. Now I received an email saying I was denied and my account is closed. EVERY single verification was approved, except one. Because it was poor lighting! So now my account is closed?? This is insane!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were 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. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX