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

To Whom It May Concern, I received a copy of my credit report and found the following inaccurate items which are reporting an error : XXXX XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXXXXXX XXXX XXXX XXXXXX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported. 

XXXX XXXX XXXX - XX/XX/year> I did not authorize this inquiry. - The following inquiry was not authorized and should not be reported.
Product: Debt collection

This I believe to be a power bill I 've never been contacted about I found out through XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation.

The specific account ( s ) in question include : Account Name XXXX XXXX XXXX  Account # XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically 1. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information.

* CRAs must block the information within four business days of receiving the required documentation.

2. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information.

3. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request.

* I formally request the following : 1. The immediate blocking of the disputed information under FCRA 605 ( b ).

2. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report.

3. A revised copy of my credit report reflecting these corrections.

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these items still persist on my record. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other for when I can expect to see these fraudulent items removed from my credit report. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!
Product: Credit card

I contacted Comenity Bank on XX/XX/XXXX ( Credit Card - creditor ) to place a dispute, because I did not receive merchandise and the merchant is not answering calls or responding to emails. On XX/XX/XXXX, I placed an online order with New York & Company and received a same day order confirmation # XXXX {$280.00}, which included the shipping method - economy 5-8 business days. I contacted New York & Company customer service, after the 5th business day to check on the status of the shipment via phone but no one answered the calls. I called again the next day and still no response from customer service. At this point I contacted the bank and they suggested that I send an e-mail to New York & Company, I did but still no response. Therefore, I contacted the bank again. I was informed that New York & Company charged my account on XX/XX/XXXX the same day, which is not usual, typically the charge occurs the day it is confirmed to be shipped. The bank also informed me that my billing date is approaching and to be sure to make a payment so to stay in good standing. I asked if other customers were calling with the same concerns and the representative did confirm that he had received several complaints about this issue from other customers. I told the representative that I will make a payment, but I wanted to file a dispute because the company did not send the merchandise and they are not responding. The company is also continuing to send daily sale advisements to my e-mail, which I feel is misleading sisnce they appear to not be honoring orders which have been placed and paid for. The bank representative appeared to struggle to place the dispute stating that he did not have an option on system for not receiving merchandise. After several minutes he finally found a code to complete the dispute, I asked if I would receive an e-mail confirmation that it was filed. He stated no, but the call is captured through notes and if I called back the records can be pulled. At this point, I am also very concerned that the bank may be aware of major potential issues with New York & Company, but they are not proactively doing anything to protect customers.
Product: Credit reporting or other personal consumer reports

All listed accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

-XXXX XXXX XXXX XXXX XXXX Monthly payment {$0.00}, Balance {$2300.00}, high balance {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00}, High balance {$5000.00} -XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance {$25000.00}, high balance {$26000.00} -XXXX XXXX XXXX XXXX XXXX Balance {$0.00}, High Balance {$200.00} -XXXX XXXX XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$5900.00} ( Debt sold listed multiple times ) XXXX XXXX XXXX XX/XX/XXXX, Balance {$0.00}, Payment {$3800.00} incorrect balance -XXXX XXXX XXXX XXXX Balance {$0.00}, Payment {$2700.00} incorrect bal XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance {$0.00}, Payment {$95.00} incorrect bal XXXX XXXX XXXX XXXX, {$15000.00} incorrect balance ~All balances are inaccurate and inconsistent~ I was able to review my credit reports on XX/XX/XXXX and noticed several things are incomplete and inaccurate. According to the fair credit reporting act 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 according to 15 USC 1681e ( b ). Also, according to 15 USC 1681 they are supposed to do this ( XXXX ) treatment of inaccurate of undeliverable information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Debt collection

On XX/XX/XXXX at XXXX, I received a voicemail from XXXX XXXX threatening to contact my job and speak with my supervisor regarding a case that was being filed through XXXX XXXX County courts. She also stated if I did not contact the company I would forfeit my legal rights. XXXX never identified herself as a debt collector or that it was an attempt to collect a debt. Instead she threatened to locate me if I did not get in touch with the legal department. 

I called the number that XXXX had left on my voicemail and spoke with an individual who again did not notify me that this was an attempt to collect a debt by a debt collector. The name of the company was never given to me and the individual I spoke with informed me if I didnt set up payment arrangements they would sue me for thousands of dollars for a {$270.00} debt. Out of fear I set up the arrangements immediately and was told that I would have to provide a debit or credit card to stop additional actions from being taken. I was told to contact the company in advance if anything needed to be changed for the XX/XX/XXXX and XX/XX/XXXX arrangements. 

On XX/XX/XXXX at XXXX I contacted the company to have the arrangement for XX/XX/XXXX split into 2 payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I was told that the company could only change the payment to XX/XX/XXXX. After informing the individual that I would not have enough money to cover the full payment on XX/XX/XXXX she informed me that the company would not change it beyond XX/XX/XXXX and does not cancel payment arrangements and that if I default on the arrangements I would be taken to court. I again asked to have the arrangements changed to XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, I was told that only legal counsel could approve that change. I requested to speak with legal counsel and immediately the call was disconnected. I called back three times and each time the call was disconnected. I called back a fourth time and someone answered, I again explained to her what I needed to do and was told again that they do not cancel arrangements after they are made. I asked to speak with a supervisor and the call was again disconnected.
Product: Student loan

I paid Navient off on XX/XX/XXXX. I ended up overpaying by {$480.00} and they said they would refund the money in a form of a check in about a month because they do not send electronically. I no longer gave them permission to draft from my account since loan was paid in full. 

On XX/XX/XXXX I contacted Navient because I still had not received the check. They said to give it ten more days. When I went home, the check was in the mailbox ( XX/XX/XXXX ). 

On XX/XX/XXXX, they stopped payment on the check and took {$480.00} from my bank account along with {$5.00} for stopped payment. 

I contacted my bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) and they thought I stopped the payment. I contacted Navient on XX/XX/XXXX and was told that I emailed them and asked to get an refund electronically. I spoke with them on XX/XX/XXXX and questioned why I could not get it electronically but never emailed them and requested that they stop any check. 

I asked on XX/XX/XXXX to speak with a supervisor and at first was told the call volume was to high. I said I will wait. I emailed Navient with a complaint and then shortly after that a supervisor came on line. I was told that. my refund was already in the process of being sent electronically and I should see it in my bank today. So far it is not even pending. THEY LIED TO ME. 

I am on the phone with them now ( XX/XX/XXXX ( XXXX XXXX Mountain Time ) and the representative does not appear to know anything about yesterday. I am on hold for a supervisor. The representative told me I had to wait 13 days to get my money back. I told him NO-I was told yesterday that it would be put back today electronically that I have bills coming out. THEY DID NOT CARE AT ALL. They told me it was miscommunication-it was not miscommunication. They are from XXXX and appear to read from a script and do not appear to comprehend. 

I need help in getting my money back. 
My account number for Navient is XXXX The number I am still on hold with is XXXX I am asking to speak with a supervisor because the representative refuses to give me a confirmation number that my money is being returned. I was told to talk with my bank. I told him that my bank said to get a confirmation number- that they have one. Now the representative is saying they do not have one that it is in the back. I told him to go get it from the back. No supervisor has come on to help me. I am back on hold again. I told them I was making a complaint to the Consumer Financial Protection Bureau and they do not see to care. 

I do not know how long I will be on hold so I will finish the complaint. 

A supervisor just came on the line ( XXXX ) and said that I should receive my money back into my account in 24 hours and gave me a confirmation number. This happened after I said I was on line with The Consumer Protection Agency filing a complaint. 

XXXX XXXX
Product: Checking or savings account

it started like a year ago, I called about it and they were like its always been like this. Which It hasnt. I remember so clearly. I love XXXX but XXXX XXXX XXXX military and so many times my account shows that i have the funds, i purchase something, its pending for days to weeks, to take payments out & then my account goes in the negative and overdraft over thousands of dollars. I dont have documents for the whole previous year, but I do have the most recent from this current week i will attach below thank you so much for considering my issue. Have a blessed day.
Product: Vehicle loan or lease

On XX/XX/XXXX of XXXX I had bought a XXXX yamaha motorcycle from XXXX XXXX XXXX. I was able to register the motorcycle in the state of XXXX XXXX the same state that XXXX XXXX had it previously registered. I have recently moved to the state of XXXX and I am trying to register the motorcycle here in XXXX I do not have a lien release, as shown in the picture of my title there is still a lien listed on the motorcycle with XXXX XXXX. I have reached out to XXXX XXXX  multiple times spending hours on the phone with multiple representatives. They are not able to assist me due to my name not being on the account. I have reached out to XXXX XXXX over XXXX XXXX but due to him being stationed in XXXX ( he is in the XXXX XXXX ) he is not able to help me. I have reached out to his father who has power of attorney he has not responded to me after one or two conversations. I have recently put in a request with the FDIC but due to XXXX XXXX still being open they will not assist me. This is my last point until I take the legal route as I am trying to avoid that to begin with.
Product: Credit reporting or other personal consumer reports

I was late on a payment during 2020 due to no work because of Covid-19 payment was only about a week late and was told it would be forgiven due to immaculate payment history and no other late payment ever, also due to Covid hardships. Did not realize this was affecting my credit until I received a declined application stating missed payments and saying account was delinquent. Account was not delinquent and only changed recently, was paid always on time and is current. Have constantly contacted them to right this issue but to no avail. Was told they cant do anything because its not within 30 days of late payment which I told them I had contacted them numerous times including right after late payment and how I was told it would be forgiven, however the representatives have basically just been like nothing we can do contact credit agency to which credit agency said contact them.
Product: Student loan

In early XX/XX/XXXX, I co-signed for a Parent Plus Student Loan ( XXXX XXXX ) I was told by the financial aide at the school that this was the only way to ensure my daughter would be able to continue her education. I had given the school {$10000.00} upon her enrollment. The 1st loan ( {$7300.00} ) was completed over the phone ( XX/XX/XXXX ), I was told it was recorded for verification. I agreed to pay interest only on that loan. To date Ive paid approximately {$3400.00}. During this same period my daughter was given an unsubscribed loan from XXXX  ( {$5400.00} ), even though I was told she could not qualify for this. The next Parent Plus Loan was on XX/XX/XXXX ( {$12000.00} ). I was never notified, called or was aware that this took place until XX/XX/XXXX. The discovery was brought to my attention upon graduation. I went to the school and met with Dean of Students, Financial Director and Student Advisor. Together we went over my daughters ledger. That loan was supposedly authorized by me and I allegedly agreed to defer interest. That never occurred. During this same period she was given another personal XXXX Loan ( {$3000.00} ). The 3rd Parent Plus Loan was on XX/XX/XXXX for {$2900.00}. I was called an again agreed on phone to interest only on a recorded line. To date Ive paid {$1000.00}. This loan is not anywhere on her ledger sheet, Ive repeatedly asked for XXXX XXXX to investigate all inconsistencies stated above. I was told this was my problem and to go to school to straighten this out unfortunately the school is closed. 
During this same time XXXX gave my daughter another unsubscribe loan for {$3700.00}. XXXX XXXX has threatened me to charge my daughter with fraud, and for me to call the police dept. Ive asked them to put the matter on hold until I could try to gather information. They have ignored my requests and reported my late payments to Credit Bureau. This is unfair and not necessary. Once I began my research Ive discovered that the XXXX XXXX of Michigan and XXXX XXXX have numerous law suits for these practices. Ive retained legal representation for these matters. We have not filed any actions as yet. I was also told by the school that their XXXX XXXX loans were competitively priced. # 1 is at 9.75 % # 2 is at 11.00 % # 3 is at 9.25 %, far from competitive. Ive attached a recent letter I sent to XXXX XXXX via registered mail.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts from my credit report. I am a victim of identity theft due to a data breach, and unauthorized accounts have appeared on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request the immediate removal of these fraudulent accounts. 
The following accounts should be blocked and deleted : 1. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$280.00} 2. Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} 3. Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Additionally, please delete the following unauthorized inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX