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

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$2200.00} XXXX XXXX  Original Creditor : XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Balance {$4300.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX
Product: Debt collection

I'm writing this complaint and there is no third party involved. 



To whom may concern Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : 1. XXXX out the balance on this account 2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

3. Deletion from all consumer reports.

4. Delete all my personal information from your company.

I'm also requesting validation ( attached ), Please be aware of filling up each line requested. ( Don't forget the Authorized Signature of Creditor ) You must return this completed form along with copies of all requested information, assignment or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 



Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Product: Debt collection

On XX/XX/2018 I received a " Notice to Defendant '' that a judgment was entered against me for {$12000.00} and threatens to come into my home seize my property for auction. This was made in the town of XXXX XXXX, NJ ( which I do not live or never lived ). The plaintiff Rab Performance ( of  which I have never heard of or have had contact with the company or any of its representatives ) never contacted me before this lawsuit. The amount of debt they are trying to collect is not my debt. I know the debt that I have. I keep a close watch on my credit report as I am paying off debts to raise my credit score. This debt of {$12000.00} is not on my credit report, has never been on my credit report and is not my debt. On the court notice my name is incorrect " XXXX XXXX XXXX '' This has NEVER been my name. I would like for Rab Performance to redact this lawsuit judgment, because this is not my debt. I can issue my credit report to prove it.
Product: Credit reporting or other personal consumer reports

According to the payment summary this account was charged off on XX/XX/XXXX. Last payment date was updated to XX/XX/XXXX, which is inaccurate as the last payment was XX/XX/XXXX. The creditor intentionally and inaccurately updated the payment summary then updated it to the correct payment history on XX/XX/XXXX when the account was charged off. The payment information was manipulated by the creditor to keep it open and negatively reporting on the credit report for more than a year following the last payment. This account could have been charged off effective XX/XX/XXXX according to Discovers charge off policy. I want this account removed as Experian never investigated this dispute I submitted, this is something the CFPB also found experian guilty of. I want this account removed from my credit report for intentional misreporting. 

Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - XXXX CO - XXXX CO - XXXX ND - XXXX ND XXXX XXXX CO XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$7900.00} written off. {$7900.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Past due amount {$7900.00} Highest balance {$8100.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account previously in dispute - investigation complete, reported by data furnisher Your statement-
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

Hello, I am writing to complain about an issue that I had with Costco Citi Visa Card. Citi has been charging me with interest charges even for the months that I have paid the credit card fully. I wasn't aware that this was happening, and just last month I was charged with {$120.00} interest charge even though I paid last month 's balance of {$6600.00} ( {$6500.00} after credit adjustment ) in full. To my knowledge, there should not be any interest charges if I pay the credit card balance in full, and Citi has been charging me with huge interest charges in spite of the balance being paid fully. I reached out to Citi customer service and they've not been able to resolve this, and so I don't have an option besides escalating this to CFPB for resolution. Thank you and please assist me to get a resolution in this matter. This has caused much emotional distress for me. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

Invalid Debt was already disputed and removed from credit report. Debt validation letter sent out to first company that claimed debt was owed, XXXX never responded. XXXX came to my residence and offered XXXX phones in exchange for trading in my XXXX XXXX that I already owned. The price that XXXX XXXX XXXX presented was not the price that was discussed. I returned the XXXX XXXX and have proof along with documentation showing the sent back property. I also have emails corresponding with a supervisor about this problem. I have also not received my property that consists of a XXXX XXXX that has been Paid in full, I was promised my phone would be returned to me and no one has gotten back to me. The original Debt of {$1300.00} was disputed in XXXX XXXX XXXX was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number for company is ( XXXX ) XXXX. Account that was reported on credit report was removed and then was placed back on credit report in XXXX XXXX XXXX for a dollar less for {$1300.00} by a different company by the name of AFNI, INC. their address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX and phone number is XXXX XXXX XXXX XXXX. Debt is being reported illegally and fraudulently. It is being reported as a duplicate account, with a different account number and a different amount for the second time. This reporting is in violation of the Fair credit reporting Act.
Product: Credit card

Bank of America which owns Merrill Lynch is forcing customers to open additional checking accounts to achieve greater rewards. 

I have more then enough accounts with Merrill Lynch to qualify for preferred rewards. But nope Bank of America says I have to open another account so they can charge me more fees to get these preferred rewards even though on their own letter it says accounts can be Bank of America and OR Merrill Lynch accounts. 


That is nothing short of consumer fraud Bank of America want people to open additional accounts so they can get their fees and charge people to qualify for rewards program with suspicious wording on their own letters. 

Shame on Bank of America and stay away from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the XXXX credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referencing back to ComplaintXXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and Midland Funding of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. XXXX has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX XXXX AND MIDLAND FUNDING XXXX I demand for XXXX to comply block and delete MIDLAND FUNDING because that account came from XXXX XXXX  that they removed from my consumer report. On XX/XX/2022 I sent MIDLAND FUNDING an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX MIDLAND FUNDING received a cease and desist letter on XX/XX/2022 and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.
Product: Student loan

I am writing to formally request the discharge of all student loans held by Navient due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 

Navient misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to increase substantially due to capitalized interest. As a result, my loan balance has now grown far beyond the original amount borrowed, further compounding the financial strain. 

Additionally, Navient has misreported my payment status to credit agencies, damaging my credit score. Their representatives have provided misleading information, denying my requests for information on public service loan forgiveness programs that I may have been eligible for. This has delayed my ability to pursue more favorable repayment options and contributed to the overwhelming amount of accrued debt. 

These deceptive practices are consistent with the widespread fraudulent behavior for which Navient has faced legal action from multiple states and the Consumer Financial Protection Bureau ( CFPB ). The companys actions have caused me significant financial harm, mental distress, and an unjust long-term burden. 

Given the impact of Navients misconduct, I am requesting a full discharge of all related student loans. As a borrower who relied on Navients guidance in good faith, I believe I am entitled to relief from this unjust financial situation. I ask that my loans be fully forgiven due to the unlawful practices I have endured. 

Thank you for your consideration. 

XXXX XXXX XXXX ( XXXX XXXX
Product: Mortgage

In XXXX of XXXX, I reached out to Wells Fargo, to work out a loan modification, because we were about to be unable to make our mortgage payments moving forward. They advised me that I did not qualify for a loan modification, because I was not behind on my payments. They then instructed me to make partial payments for 3 months, through a mortgage forbearance plan, in order to fall behind on payments, in order to qualify for a loan modification. We agreed and did what they instructed. Then, after the 3 months, they asked for us to catch up the full amount that we were behind, which we clearly could not afford to do so. They then began rotating me around so many representatives that all promised me that our loan was being reviewed for a loan modification, that it honestly made me lose sleep for months. What we did not know at the time, is that they were moving full steam ahead to foreclose on our home, and sell it at auction, which they did in XXXX of XXXX. I believe this is what is referred to as " dual tracking '' which is 100 % what happened to us. The speed at which they did this with, really caught us off guard, and was devastating. We wound up having to scramble to find a place to live and lost all of our down payment and money invested in improvements to the home, which was a significant amount. We dealt with Wells Fargo in good faith, but that was never reciprocated. We were plain and simply never offered a loan modification, which we had a right to. I made numerous attempts, even as recently as XXXX to correct this wrong, but Wells Fargo to this continues to act like what happened, really DID NOT happen. Please help make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX il XXXX SSN : XXXX Experian Date XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information is in error : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXXXXXX XXXX XXXX  XXXX, WA XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Summary of Accounts being challenged in list form Summary of Accounts being challenged in list form XXXX XXXX XXXX - Account XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXX XXXX XXXX XXXX - Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped from XXXX to XXXX in 1 day with no changes to my credit report. When I called equifax to find out they told me due to factors is why this change could happen. But, no negative changes occurred. It doesnt make sense for my score to drop XXXX points. This is insane.
Product: Credit reporting or other personal consumer reports

These hard injuries below need to be removed from my credit report immediately due to identity theft XXXX XXXX XXXX- on Experian as well as all the soft injuries ran by Experian without my permission and I demand a XXXX refund for the Experian app i have been asking over and over again
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that Equifax is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should have been permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) from appearing on my consumer credit report as result of identity theft and fraud within 4 business. While other credit bureaus have promptly removed these fraudulent accounts without issue ( see attached proof ), Equifax continues to report this inaccurate and damaging information.
Product: Mortgage

We have a mortgage and Select Portfolio Servicing is the servicing company. We have made repeated attempts to get a payoff so we can pay our balance in full. First they told us it takes 72 hours. When 72 hours passed they then said it takes 5 business days. I know other servicers can have a pay off in 10 minutes. This mortgage accrues interest daily and I am not being allowed to pay it off!
Product: Credit card

On XX/XX/year> I ordered special order furniture from XXXX XXXX  and paid with Synchrony 18 months same as cash. A couple of weeks after purchase, Synchrony charged my account though I had no furniture. When I contacted the merchant to ask him about it, he became irate and cancelled the sale. Since I had the cancellation in writing, I immediately filed a dispute with Synchrony and purchased furniture elsewhere. Since XXXX, Synchrony has refused to credit my account though I never received anything from XXXX XXXX  and I have filed now four appeals. I filed a complaint with the local XXXX. The merchant finally admitted he owed me a refund and stated that he actually had refunded me. I forwarded this information to Synchrony but they have still not credited my account. The XXXX  has advised that the merchant has multiple open complaints from other consumers with similar stories that led the merchant to turn in his accreditation and leave the XXXX  with no leverage. However, I am told that the investigation has now gone up to the Attorney General 's office and that the XXXX agrees that the merchant demonstrates a pattern and practice of cancelling contracts for no reason and refusing to refund. Synchrony is taking part in this fraud by refusing to refund me for merchandise never received. I have absolutely nothing for the money on this credit card and Synchrony has been on notice of this for months but will do nothing about it.