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

I am writing to have the following information removed from my credit profile, Ill be listing the items that I need deleted to assure accurate credit reporting only on my profile as I have been a victim of Identity theft. There are multiple accounts and inquiries I did not apply for. I have reported all of this to the FTC. I would like these items removed from my credit profile as soon as possible. 

Fradulent Accounts : XXXXXXXX XXXX XXXX Fradulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Product: Student loan

This is regarding Navient. On XX/XX/19 I received my first phone call at XXXX, then again at XXXX, again at XXXX, again at XXXX, and again at XXXX. I informed them that I was at work and could not talk at the XXXX phone call. They continued to call. On the XXXX call I requested a supervisor multiple times before I was sent to supervisor XXXX XXXX.I told him this was harrassment and I was aware of my rights they said they were allowed to call between XXXX and XXXX until I made my payment. My payment was 20 days past due for {$180.00} and they continued to tell me I had to pay and calls would stop. I asked for the customer service number and he gave me the number to make my payment. Im not going to lie I said some choice words to him then hung up. I called back and spoke with XXXX XXXX. I was calm with her she told me to just make my payment if I could make payment the calls would stop, was talking over me and not qilling to listen to what I was saying. This complaint is about the harrassing phone calls and delibrate action supervisor XXXX XXXX took in preventing me from talking to customer service. I could understand multiple calls if I was habitually or significantly past due but seriously 20 days and {$180.00}?
Product: Debt collection

XXXX. My daughter had XXXX XXXX done. The XXXX is saying I owe a balance of {$990.00}. My daughter had dual dental insurance that paid for the services.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a data breach with XXXX and with capital one in XXXX and there are credit card accounts on my credit report that do not belong to me. I did not open the accounts that are being reported to XXXX, XXXX, and XXXX. I the credit card accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

16 credit cards were closed by synchrony Bank on XXXX XXXX because a representative told me it was due to the fact that I was a High risk. But to wait for the formal letter which I was to receive in 7-10 business days. I have credit cards with {$5000.00} to {$20000.00} dollars available credit. I have never ever defaulted or paid late. I work for the federal government here in XXXX XXXX by the way. I only owe on two credit cards and it's only {$50.00} dollars. Synchrony Bank closed16 credit cards I had with them. I am suspecting that since I had close to XXXX in available credit they closed it fearing I might get in debt due to Coronavirus situation. The company itself can't furnish reasonable reply as to why my credit cards were closed. Company : Synchrony Bank XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from  XXXX  stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit card

I was on the road traveling running from XXXX  XXXX from XXXX  out to XXXX  ; as I explained to M & T, I am a veteran former XXXX XXXX XXXX. please understand, I was thinking about moving to XXXX. It did not work out at all ; in fact a series of nightmares occurred while on XXXX XXXX, which resulted in multiple contacts with FBI along with XXXX, Colorado Police Department, with regards to XXXXXXXX and XXXXXXXX very real circumstances that absolutely happened to me so I have to deal with the bank not doing their job on top of everything else is not something I want to tolerate this moment. 

Unusual amount of spending trying to figure out location, seven different cities, multiple issues with XXXX vandalization of room stolen rental car by XXXX fully loaded 24 hours before return. XXXX allowed vehicle to be towed out of handicap parking just a series of unusual things I am currently in XXXX, which XXXX was fully aware of and I requested a email. A fax number is always provided. Because there is no date and time on any of these disputes they have tried to close out some of the disputes due to the turnaround time which lands in my dad 's mailbox in upstate XXXX XXXX, where then he immediately opens and screenshots, and sends to me via text. How this happened, knowing Full, well that I am residing in the state of XXXX  moving forward, and these statements are going to the old XXXX XXXX address ; is also another issue. This bank is ridiculous!! I am a XXXX XXXX account holder and would never ever recommend this insidious bougie bank to anybody. 

Nefarious, unethical, violating federal regulations ; just a few adjectives that come to mind when describing this particular banking institution somehow they are ranked 17 in the United States. How I do not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian to remove my old addresses from my credit report. They have declined. A family member of mine was a victim of fraud and one of her previous addresses was used to defraud her. I am fearful that this might happen to me. I want my credit report to reflect only my current address and not any addresses I lived at more than 5years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Remove item from credit reports
Product: Credit card or prepaid card

My account with XXXX XXXX was closed XX/XX/XXXX due to insufficient number of points and I just received the letter today, XX/XX/XXXX. The account at the time of closing was in good standing and still had an open credit limit. I called the company to ask why and was told that they have the option to close an account at anytime even if it is in good standing based on a credit review. My concern is that there was no prior warning of being in any danger of having the account closed. The payments were made monthly and I was not in default. Had I been out of my home area with only this card to use, this could have been an issue. To my knowledge, there was still credit available and I could have been stranded with a declined card. Im also concerned as to why this letter dated XX/XX/XXXX is just reaching me now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ XXXX XXXX XXXX # XXXX has violated my rights. 
[ JEFFCAPSYS ACCOUNT # XXXX has violated my rights. 
[ JEFFERSON CAPITAL SYST ACCOUNT # XXXX has violated my rights. 
Under 15 USC 1681 section 602 states, I have the right to privacy.

15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report 2.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3 FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally address and clarify significant discrepancies concerning the management and reporting of my financial account under your purview, specifically regarding the non-issuance of IRS Form 1099-C and the alleged discharge of a charge-off as part of a bankruptcy proceeding. This correspondence serves both as a formal complaint and a prelude to the enclosed Affidavit of Fact and Truth. 

As per the Internal Revenue Service regulations, I have not received the required Form 1099-C, a necessary document for reporting the cancellation of debt which inherently impacts my tax liabilities. The absence of this form suggests a non-compliance with IRS tax laws on your part, a matter of serious concern and potential legal implications. 

Furthermore, your company 's assertion that this charge-off has been addressed through a bankruptcy discharge remains unsubstantiated. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611, paragraph ( 6 ) ( B ) ( iii ), during the procedures of reinvestigation, ... if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available .... 

In light of these requirements, I hereby challenge the verifiability of the account status reported by your company and question the validity of the claim regarding its discharge under bankruptcy laws. It is imperative for your company to provide a detailed and transparent account of the process undertaken to determine and report the status of my account, including all relevant communications with information furnishers. 

Attached to this letter is an Affidavit of Fact and Truth, detailing these concerns and my formal stance on the matter. I expect a prompt and detailed response to this affidavit, along with the requisite documentation and explanation as mandated by law. Failure to adequately address these concerns may necessitate further legal action. 

I appreciate your immediate attention to this serious issue and look forward to your compliance with the legal requirements as stipulated by the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressFor these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Early Warning consumer report, which I obtained from your service. The inaccurate information is causing significant harm to my creditworthiness and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I am requesting that you immediately delete the following inaccurate information from my Early Warning consumer report : ( XXXX XXXX XXXX )
Product: Debt collection

This company ( I.C. Systems ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract.

Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Vehicle loan or lease

I think it was XXXX when Wells Fargo repossessed my car due to payments that I was sending going into a fraudulent account. Wells Fargo states I was behind on my payments. They had already repossessed it the year before but I managed to come up with XXXX to get it back. I'm not sure if they wrongly repossessed my car that time or not. Wells Fargo did send me a check I think in XXXX for XXXX but did they compensate me for everything they owe me? I lost my job due to the second repossession and really struggled 6 months without a car. This was uncalled for! I was so upset about this cause it caused major difficulties I shouldn't have had to subjected to.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is listing my mortgage twice ... .all my credit cards ar enow closing my accounts because it shows false information of me having two mortgages. I want to sue either equifax or the my mortgage furnisher for damages to my credit score and limits and balances. during corona im already having troubles now this ..
Product: Debt collection

I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX Apts. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXXXXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for XXXX XXXX, causing my XXXX XXXX to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the XXXX
Product: Mortgage

My loan servicer was transferred to another mortgage company as of XXXX. I received a notice from the new servicer that my escrow account was grossly overdrawn, and my payment would need to increase nearly 50 % for the next XXXX months. 

Upon reviewing the annual escrow account disclosure statement, the previous servicer had paid out property tax nearly XXXX what the actual bill was. The property tax in the town the house is in only bills once per year and thus only XXXX payment per year. In XX/XX/2021 the amount of XXXX was paid ( erroneously ). In XX/XX/2021 a payment in the amount of XXXX was made ( also erroneously ). A third payment of XXXX was paid in XX/XX/2021 which is the only payment that should have been paid. 

I contacted the Town which the home is located in, and they have stated they did not receive the XX/XX/2021 and the XX/XX/2021 payments. The town did receive the XX/XX/2021 payment. 

When I contacted the previous mortgage company ( Homebridge ) who made the mistake they said they would look into and get back to me in a few weeks. I believe they should credit my account immediately. This is an escrow account with my money in it. They continually refer to the money as " their '' money.
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




In accordance with the Fair Credit Reporting act XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX / XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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
Product: Vehicle loan or lease

I purchased my XXXX vehicle from Carvana. Their site is very good at showing the flaws with vehicles before purchasing as well as providing a XXXX point inspection report. However, I have discovered they have an internal detailed inspection report that is not available to consumers and is not on their website. The issue is the vehicle I purchased had a crack in the windshield. I called Carvana and was told there was nothing they could do even though I was in the XXXX  day return window. This was my XXXX vehicle as the first was owned by a smoker and not disclosed so I replaced with this one. My complaint is that Carvana deceives their customers by not disclosing the internal inspection report which would have disclosed the windshield did have a crack but had been filled with silicone to stop the spreading. The issue is that it's an obvious crack and 99 %, if not 100 % of consumers would not pay $ XXXX for a truck with a cracked windshield if they were aware of it before purchasing. Carvana advertises in a deceptive practice where they disclose only information that would not prevent a consumer from purchasing. I was offered to exchange again, as is in my agreement, but this would be my final delivery and if the XXXX vehicle had any issues, I would be stuck with it, as that is their policy. XXXX of the ladies told me to file with my insurance company. I advised her that would be insurance fraud since this was pre-existing damage. Their calls are recorded and this can be confirmed along with all conversations I initiated to try and reasonably rectify this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/PPC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX