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

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shalll follow reasonable processes to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone pang for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer report with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Checking or savings account

Hello, My name is XXXX XXXX I lost my father due to Covid so I was expecting a small help I had received a check it took Bank of America almost a month to verify it and when I talked to customer service representative I was told the check is clear I was behind my rent so I immediately withdraw the balance to pay the rent and then they told me the check bounced so they opened a different account for me now that they want to return my funds they subtracted the check that was verified by their customer service representative not to mention they have been charging me XXXX $ fee why they left the account is negative open and open a new checking account for me their agent confirmed everything how is it my fault?
Product: Credit card

The credit card company reported that my card had a balance off over XXXXXXXX XXXX when I tried to close the account my balance was u see XXXXXXXX XXXX I have since paid the card off completely and I have lost XXXX points on my XXXX XXXX due to the false information about the balance on that card
Product: Debt collection

XXXX XXXX is reporting a fraudulent account on my credit files that is not mine, causing damage to my credit. Account # XXXX is not mine and should be removed from my credit files immediately.
Product: Credit card or prepaid card

This summer I was a victim of employment fraud that involved American Express. I currently am obtaining information from the federal authorities on three continents as to the results of their investigation. The fraud department at American Express has been wonderful in working with me however, in theses changing times the current definition of fraud is insufficient. The card possession rule does serve to protect your customers as well as it used to. My case is a good example of how criminals are exploiting American Expresses procedures with other banks and in my case, XXXX XXXX XXXX. 

Specifically, my injury occurred between the time I submitted the payment and the time the charges came back as reversed/ insufficient funds. I would have expected XXXX XXXX XXXX to know who their account holders were as directed under the US Patriot act for banking. Second, I would have expected that American Express and XXXX XXXX to have alerted me to the fact that this reversal of funds/ insufficient funds in a reasonable amount of time. My experience was 26 days! During that time I saw payments post with clarity and available funds replenish my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

an individual with my same name, social security number different by one digit and a year of birth way off than mine ( which I've also tried to dispute & nothing had happened ) This person has opened accounts at XXXX XXXX with an unpaid balance of {$12.00} opened XX/XX/XXXX that has been charged off, I called XXXX  XXXX on XX/XX/XXXX but no one to help me, i then filed a dispute with the credit bureaus, one said the account is accurate and the other 2 bureaus dispute are still pending. Please I need your help I am trying to re-finance my current mortgage loan and this is affecting me from getting a much lower interest rate than what I currently have, Please help me, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX and XXXX XXXX XXXX The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.
Product: Credit card or prepaid card

Extremely long hold time Difficulty problem resolution Issues utilizing the card check writing bill pay feature
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 XXXX XXXX was added to my credit report this in a frudulent account so I disputed it it was removed o XX/XX/2018 then on XX/XX/2018 this account came back on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed inquires that were not authorized by me. I contacted the companies and the issue was not resolved over the phone.
Product: Debt collection

How are you? I made a loan of {$1300.00} and I was paying on time, just as they told me, every Friday an installment of {$120.00} and I had advanced XXXX installments, which is a total of {$2000.00}, and I am surprised to check my account statement, which I still have to pay. pay for having lent me {$1300.00} this amount. 
The outstanding balance owed for your loan is {$5800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

First, I want to make the point that this complaint is not about the money, it's the idea that so many banks tack on small fees without consumers knowing what they are paying. In this case, I paid the entire balance of {$42.00} in XXXX by the due date. I had heard the interest rates were increasing from the already high rate so I decided I would pay off the account every month. I made no purchases in XXXX but when I got the XXXX statement there was a {$2.00} minimum interest charge. I thought it was a mistake ; I ignored the bill. When I received the XXXX statement it had increased to {$5.00} so I decided to contact customer service to see if the balance could be removed. It was difficult to use the website to resolve an account problem ; the customer service person was very nice but confused because she only knew how to handle merchandise issues. However, she took my information and honored my request to close the account. Comenity Bank followed up in XXXX with a confirmation that the account had been closed and a notice that I would continue to receive monthly billing statements. I had intended to contact cfpb much sooner but continued to procrastinate until the latest bill included a late fee and monthly interest charge. I am an elderly person, XXXX XXXX XXXX ; I still have all my faculties and obviously can use some technology but the idea of organizing and collecting the information for this report seemed onerous over the ensuing months so I admit to neglecting to submit this report. Today I paid the most recent bill of {$60.00} [ all interest and fees since XXXX ] and I want to be done with it but I fully expect to receive a {$2.00} bill next month. I have saved all statements but scanning and saving is not my forte. There doesn't seem to be a way to save and come back to this. Anyway, I'm sure the company has digital files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report accounts that were discharged XX/XX/2021 in my Chapter XXXX Bankruptcy case as accounts that are charged off and collectible. These accounts should not be reflecting a balance because these are discharged debts I am not legally obligated for. You continue to report some XXXX az address too which Ive definitely never lived at XXXX XXXX XXXX XXXX XXXX, AZ XXXX is not my address. Why is it being listed on my credit file? Additionally you allowed hard inquiries from XXXX XXXX XXXX XXXX and XXXX  XXXX I didnt authorize either of these and my credit file is locked. See the attached documents for the discharge papers.update the credit accounts accordingly.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this XXXX The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have been in communication with National Credit Adjusters a collection agency that bought a debt from XXXX XXXX. 


On XX/XX/XXXX, NATIONAL CREDIT ADJUSTERS, has failed numerous times in providing me a copy of my legal signature where I owe them {$3000.00} .The original creditor is not NCA it is XXXX XXXX . I reported the information with copies of the back and forth communication and certified letters to XXXX showing NCA refused to show my original signature but NCA has still certified to XXXX that the information is accurate. XXXX still allowed NCA to certify that it was my account despite documentation proving that it is not. This item was not changed as a result of our processing of my dispute. Neither XXXX nor National Credit Adjusters have provided me proof of the loan documents bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX  Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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. 

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 XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3800.00} XX/XX/year> XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I received my monthly statement and noticed interest fees when Ive made my payment in full. I called in and looked back at prior statement to see that Id also been charged interest on previous months I paid my balance in full. When I spoke to the representative about this, I was told that Capital One reserves the right to charge interest based off previous monthly balances regardless of the status of payment. This didnt make sense to me so I asked them to clarify as from my understanding, if payment is made for the full balance interest should not be charged. The representative reiterated that they base interest on the average balance of previous month statements. I asked if I paid my balance in full and made no charges, would I still be charged interest regardless of no purchases being made. I reiterated again that it does not make sense that Capital One has the ability to charge interest of charges already paid. The representative reiterated that the interest is not charged on the actual charges themselves but prior average statement balances regardless of the payments that are made. They implied that Capital Ones policy is to look back over a two month period and charge interest based on the average of those statement balances regardless of any prior payments that are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accountsXXXX.and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any recollection of these inquiries. I was told I couldnt dispute them if they was 6 months back. 
Name Requested On 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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  FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$09.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. I asked again to fix the inaccuracies on XX/XX/XXXX, and you still failed to fix the inaccuracies. On XX/XX/XXXX I asked you to fix the inaccurate and fraudulent data on my credit report 3 times, it is still showed up inaccurately. Then on XX/XX/XXXX I pointed out you are showing that this account was charged off every single month from XX/XX/XXXX to XX/XX/XXXX. Obviously accounts can not be charged off 7 times. This is intentionally fraudulent and re-aging my account. You did not fix this problem. Also, the credit report does not show ANY of my payments to this account. How can the balance go down if you don't know what my payments were? You need to show my payments and payment amounts so creditors can see my payment history. In addition you need to only show this his been charged off just once. Due to the continued mistakes and neglect on fixing them for this account, I demand this account be deleted. This is highly injurious to my credit, it undermines the faith in the credit reporting system, is illegal, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Experian a notice demanding the deletion and removal of accounts and they still have not obliged. The FCRA and The Gramm Leach Bliley state that consumer reporting agencies may report in accordance with written instructions that comes the consume which is myself. I have now filed an Identity theft report as well as a department of justice complaint because I feel my rights are clearly being violated and these companies make money selling my information.
Product: Student loan

I have been calling into Navient for three days now, starting Wednesday XX/XX/2018. I have been hung up on, and transfered multiple times, without any respect. I have spoke with a manager who was extremely unprofessional, and literally laughed in face, for a matter that was less then funny. Instead of being considerate of ones situation she took joy in denying a reasonable request. My financial situation has not changed since the last time I received a payment plan aligned with my monthly income. Although my financial situation has not changed, nor has my co-signer, Navient is attempting to double my payment. Therefore I feel my information was entered into their system incorrectly. Instead on admitting at one point one of their representatives must have fraudulently entered my information incorrectly, if not this year then the prior year, she tried to accusing me of lying, and not wanting to admit I need help. That comment XXXX  me off because the whole purpose of attempting to renew my repayment plans is because I clearly needed help in this matter.