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

Immediate Requirement for Adherence to 605B Provision : Expunction of Incorrect Accounts and Inquiries To Whom It May Concern, In accordance with the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ( a ) ( 7 ) ), Colorado Revised Statutes 18-5-902, Colorado Revised Statutes 18-5-903, Equal Credit Opportunity Act ( 15 U.S.C. 1691 ), 15 U.S. Code 1666b, and the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681c-2 ( a ) ), I hereby formally demand the immediate removal of the following erroneous accounts and all inquiries from my credit report : Accounts Mandated for Immediate Expunction : XXXX ( Account Number : XXXX ) XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX  ( Account Number # XXXX ) XXXX XXXX XXXX - Account Number # XXXX XXXX XXXX XXXX XXXX ( Account Number # XXXX ) XXXX XXXX XXXX XXXX  ( Account Number # XXXX ) XXXX XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number # XXXX  ) I trust you will adhere to the 605B provision and promptly delete these accounts and all credit inquiries. Failure to do so will result in severe financial and legal repercussions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Department of Justice CC : Federal Trade Commission
Product: Credit reporting

I noticed the company Clarity Services INC on my XXXX and XXXX reports on several different occasions that I had know knowledge of. Dates XX/XX/2015, XX/XX/2015,XX/XX/2015 all advise XXXX. I called XXXX and they were unaware of and had no record of requesting a credit check for me. Clarity Service INC would not provide valid proof that these inquires were authorized instead they want me to provide them with all my info instead of providing me the requested documentation that gave them authority to pull my credit.
Product: Credit reporting or other personal consumer reports

Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No.

CFPB2022-0023 ] RIN 3170-AB12 Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute hard inquiries on my credit report. Each letter ( 3 ) stated that I did not authorize the inquires on the report and asked them to Remove them. After 3 failed attempts, I sent out letters to all companies that I did not authorize a transaction with and they stated they did not have an account for me and sent a letter to the reporting agency confirming that it did not belong to me and a removal from my report would be a sufficient action. After waiting over a month for the inquiries to be removed, I called each company with said inquiries to confirm the process was complete. After being denied lines of credit due to excessive inquiries that were not authorized, I decided to file a complaint. The inquiries are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Complaint Regarding Deceptive Practices by Santander Bank Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Santander Bank regarding what I believe to be deceptive and unethical practices. As a customer of Santander Bank, I have encountered several troubling issues that I feel warrant your immediate attention. 

Summary of Issues : Misleading Information About Loan Terms : I was provided unclear and misleading information about the terms of my personal loan product. Despite repeated inquiries, the representatives at Santander failed to explain crucial aspects, such as interest rates, hidden fees, and early payoff penalties that was not in my initial contract upon taking out a personal loan of {$25000.00} on XX/XX/XXXX. I was told there is a {$0.00} I will have to pay to close out this loan and also was told that the same goes for credit card accounts, which doesn't make sense Improper Billing and Payment Handling : I have experienced numerous instances where Santander improperly applied interest payments, even though payments were made on time and in full to close the loan on XX/XX/XXXX. When I contacted customer service to resolve these issues, they were unhelpful and dismissive, failing to rectify the mistakes after I told them my contract stated there is no penalties for paying off the loan in full early. 

Unjustified Account Fees : I have been charged excessive and unwarranted fees that were never disclosed to me when I opened my account. These fees were applied in a manner that contradicts the terms initially agreed upon. As of XX/XX/XXXX the loan amount was {$22000.00} was the reflecting balance and a payment in the said amount was made on XX/XX/XXXX to close out the loan. withing 20 days after the full payment was made Santander started charging additional interest of {$220.00} instead of closing the loan, I was told by a representative that they took out XXXX payment which was not due in XXXX when they received XXXX payments. 

Failure to Provide Accurate Account Information : Despite requesting detailed statements and records to clarify the confusion around fees and payments, Santander failed to provide transparent or accurate information. The customer service agents consistently gave conflicting responses, making it difficult to resolve my concerns. 

Impact on Me : These deceptive practices have not only caused me financial strain but also significant stress and frustration. The lack of transparency and accountability from Santander Bank makes it impossible to trust the institution with my finances, and I believe other customers XXXX be facing similar issues.
Product: Student loan

I am writing to file a complaint against Navient regarding their unfair practices and harassing behavior towards me and my late mother. Despite multiple attempts to come into a fair payment arrangement with them, I have been repeatedly charged for payment arrangements, and my principal balance never seems to go down. 

Furthermore, during the pandemic, when I was in financial difficulty and asked for deferment, they refused to help and instead called me and my late mother every day. I politely requested them to not call me and my late mother, but they continued to do so. 

The situation has now escalated to the point where they are calling my job and being rude to my coworkers. They even disclosed my account details to my coworker, which is a blatant violation of privacy. I feel extremely uncomfortable and harassed by their actions. 

I am frustrated and deeply concerned about Navient 's unfair practices and unethical behavior towards their customers. I have tried to resolve the issue with Navient directly, but to no avail. 

Therefore, I am requesting your assistance in resolving this matter. I urge you to take appropriate action against Navient and ensure that they comply with the relevant consumer protection laws and regulations. 

Thank you for your attention to this matter
Product: Debt collection

When I discovered the collection on my credit in XXXX and have disputed this collection at least 7 times since then with both XXXX and XXXXI have tried to make contact with the company several times to dispute this debt and they keep using aggressive tactics and threats stating that they will take my XXXX money and that I will pay no matter what. They also state they will continue to ruin my credit if I don't pay up. II told them I was XXXX. I told them I was covered by a different auto insurance and I was told to submit documents proving that and they would remove the debt. So I faxed another dispute with the documentation requested on XX/XX/XXXX and I complained to CFPB and the company lied to CFPB stating this debt was legitimate and never disputed it before. My second dispute was faxed AWA on XX/XX/XXXX and they again have not contacted me or sent me any correspondence. So since they can not prove that this debt is mine and I can not verify the debt as valid. I want this debt removed from my credit report.
Product: Credit card or prepaid card

Refer to previous CFPB # XXXX, XXXX XXXX. " BANK '' refers to " BOFA '' etc. BANK continues failure refuse use of correct addresses, access cards for all BANK credit and deposit accounts sent to incorrect address thus hazards/ disrupts access to funds ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Fate of cards unknown. Attempts to contact BANK by computer and voice still ineffective, loops to AI agent etc. Accesses to account through BANK internet fail, seems to leaves account open ( XXXX  XXXX, XXXX XXXX ), thus BANK request to delay of prior CFPB # XXXX on XXXX mere delay tactic. 

First impression was that USPS was at fault thus prompted my submission to BANK a dispute and retraction of payment to USPS when in fact BANK was responsible, an embarrassing waste of time. 

Exhibit/ XXXX/ XXXX/ Date : XXXX XXXX. BOFA incorrect address XXXX XXXX  XXXX. XXXX correct address XXXX EX XXXX. XXXX messages on BOFA envelopes XXXX XXXX  XXXX. BOFA website breakage example XXXX XXXX  XXXX. BOFA XXXX app breakage example XXXX Exhibit filename : XXXX XXXX XXXX XXXX XXXX Note, don't publish the exhibits.
Product: Debt collection

On XX/XX/XXXX I received another Debt collector letter. I called up the same day and stated I never had this account and I want a verification letter sent to me. 
Instead they send the letter from XXXX to themselves and state it is correct. 

I then call back and state how can you send my verification letter to yourself if I am the one that has to verify it. 

I also told them twice this account was removed from one of my other agencies for not being mine. 

I also sent them a theft ID report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, EXPERIAN, and XXXX letters via certified mail XX/XX/2022 demanding for them to remove these inaccurate accounts from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX and to also correct my personal identifying information on my consumer report. I am demanding that each agency be in accordance with the law 15 usc 1681 ( a ) ( 2 ). I never gave these agencies my written consent to furnish these negative accounts to my consumer report and I, the consumer also have rights to my privacy. This has caused damages in my life with getting denied a home loan and causing decreases in credit limits.
Product: Student loan

In the summer of XXXX, I spoke with the U.S. Department of Education about my PSLF/TEPSLF Student Loan Forgiveness. I waited to speak with an actual Federal PSLF/TEPSLF Forgiveness Officer for 5 hours, twice. After submitting 10 years of IRS and Social Security Tax documentation, my account was transferred to Mohela in the Fall of XXXX. By XXXX of XXXX, my payment count was at 118 until XXXX of XXXX. In XXXX of XXXX, I received one additional payment count making it 119. Then from XXXX XXXX XXXX, I heard absolutely nothing about my Forbearance until a notification that my loan went into Administrative Forbearance. In XXXX of XXXX, all loans were finally forgiven but my payment counts were at 127. Public Service Employees need to only make 120 qualifying payments, 127 payments indicate 7 months of overdue forgiveness.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against XXXX XXXX Home Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by XXXX XXXX 

I have already contacted XXXX XXXX  multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score. 

I am seeking the following resolution : XXXXImmediate removal of the " 60 Days Late '' status from my credit report completely. 
XXXX-Correction of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused.

3- Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( XXXX, XXXX XXXX and TransUnion ) XXXXConfirmation in writing that the correction has been made. 

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.
Product: Credit card

I signed up for an XXXX XXXXXXXX XXXX Citi card. From the first month of me having the card I noticed a charge that I did not purchase. I disputed it but it continued and was an reoccurring charge each month from an online company I do not recognize or have ever purchased from. I have disputed it every month because it continues to reoccur and I have no way of contacting the company that was charging my credit card. Multiple times Citi customer service stated they would resolve the issue and it continued. In XXXX Citi customer service rep recommended cancelling my card and sending a new card so the charges wouldn't continue. A new card was issued to me but the charges continued. Again I never authorized or purchased a membership/fee in the amount of {$24.00} ( I believe this is the correct amount ). Also, I have no idea how the charges continued with a new card number issued. I was told I had to go in on my app and dispute every charge as they occurred because they were unable to stop them or block where the charges were coming from. Finally, after disputing the charges YET again, I paid my balance in full and cancelled my card and closed the account. Now, I'm receiving emails stating I've missed payments and that I'm overdue. My account is locked and I can not get into my account online or on my phone through the app. This has caused me so much unnecessary stress. I need help. They are not listening and with fraudulent charges on a credit card with no evidence of purchasing anything and unable to find said company online I should not have to go through this. I never would've signed up for this card if it wasn't for the flight rewards but now I severely regret it because they are not helping me and continuing to charge this card I no longer have. I'm unable to upload statements at this time because I'm unable to login to the account.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Checking or savings account

Trying to open an account with XXXX  but unable to link my XXXX   account with my PNC bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Date of XX/XX/2019 I was admitted to the XXXX XXXX at the XXXX XXXX in XXXX XXXX. The nearest Veteran hospital was approximately 3 Hours away in XXXX Illinois. I was charged as by the Bill, it was sent through various collection agencies. The XXXX  XXXX is now reimbursing XXXX for emergency care at non-VA facilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and XXXX XXXXXXXX, XXXX XXXX as well as XXXX XXXX has fraudulent information on my credit profile.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern, Subject : Formal Dispute of Erroneous Accounts on My Credit Report I am writing to formally dispute the accuracy and legitimacy of the following accounts reported on my credit file. These accounts contain false, unverifiable, or misleading information, which must be immediately corrected or deleted as required by law. 

XXXX  Accounts Medical Data Systems Inc Date Opened : XX/XX/XXXX Reported Balance : {$1600.00} Last Reported Date : XX/XX/XXXX Remarks : Placed for collection, Account information disputed by consumer XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$2200.00} Last Reported Date : XX/XX/XXXX Remarks : Placed for collection, Account information disputed by consumer XXXX XXXX XXXX Accounts Date Opened : XX/XX/XXXX Reported Balance : {$3200.00} Last Reported Date : XX/XX/XXXX Remarks : Placed for collection, Account information disputed by consumer The XXXX companies down below XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Website : XXXX : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX Website : XXXX XXXX XXXX XXXX Address : XXXX Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Phone : XXXX Website XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXXs 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 .This 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 XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On XX/XX/XXXX my account was charged two fees, {$40.00} and {$18.00} even though I did not do anything to be assessed any fees. Please reverse these fees. I opened this account under a promotion for a {$1000.00} bonus and I need to make sure this error does not affect me receiving the bonus. Please fix and address this. Thank you.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I contacted XXXX XXXX XXXX which had recently purchased my mortgage loan from another lender. I inquired regarding my loan not being reported to the credit bureaus.They responded on XX/XX/XXXX saying that since I had filed for Chapter XXXX Bankruptcy in XX/XX/XXXX that they were in no obligation to report it and they withhold from establishing a tradeline for the loan. 

That changed, and they have now reported negative/derogatory information on my credit report, although I have never been late on my mortgage monthly payment. As a result, my credit scores has decreased substantially. I have submitted disputes to them and to the credit bureaus to clear this from my credit report. Not only is the information that they are reporting wrong, they are also not reporting a balance which I still have or monthly payment on my account.