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

I demand to see V erifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof , you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #   XXXX    XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.
Product: Credit card

On XX/XX/24, I received an email from Chase stating that they are going to close all of my accounts. I was a bit confused, so I called Chase. They confirmed that they will close all XXXX of my credit card accounts. I was shocked, so I asked them about the reason, but they did not tell me and only said it was their final decision and they wouldn't be able to reopen the accounts. 

I was confused because I have been a loyal customer to Chase for XXXX  years, always paying all my bills on time and never having any late payments. My credit usage is neither very high nor too low, and I have not abused any of the credit card benefits or rewards. The only recent action I took was opening an authorized user account for my father, but he is my only authorized user on my account, and I'm not abusing the additional user feature. 

By closing my accounts, my credit card report could be damaged. Chase is XXXX of my earliest credit card accounts, and I sincerely hope they do not do it.
Product: Checking or savings account

Santander bank is stating I need to go into a physical bank branch to reclaim my checking account and access to my funds. I signed up for the account in XXXX via an online registration with my Illinois address. I have used an Illinois address the entirety of my account being active. There has never been a Santander bank branches in XXXX the closest bank branch is in Pennsylvania XXXX It is extremely unreasonable for me to have to travel across the country to go into a bank branch considering they know I have always lived in Illinois. I would like access to my funds by ether having a paper check mailed to my home address onfile, or electronic access to transfer my funds to another bank I account I have. I am unable to pay my bills and meet my financial obligations due to not having access to my money. 

The issue stems from how my XXXX account was comprised from XX/XX/XXXX to XX/XX/XXXX. Over XXXX transactions were made using XXXX which was connected to my Santander checking account. I reached out to Santander via phone call XX/XX/XXXX and started the process of resolving the fraud. I spoke to someone on the fraud team and they assured me my account would be restricting any activities from paypal and not to worry that my actual account would still be open. On XX/XX/XXXX I called Santander again because I noticed they only opened disputes for XXXX of the XXXX fraudulent transactions I relayed previously. The Fraud agent apologized and assured me they would be opening cases for the remaining transactions. On XX/XX/XXXX, after noticing they did not open disputes on the remaining of the XXXX transactions I spoke to a manager in the fraud department and was told they would need to close down my account, and restrict all access until I came into a branch to verify myself. I advised them that I live very far away from a branch and that would not be a reasonable request. They apologized and said I should not have had been allowed to be a customer since I did not have a branch in my state. 
Since then I have reached out numerous times to their support line about how to access my funds without going to a physical branch but there has been no resolution.
Product: Student loan

My complaint is against Navient reporting inaccurate information to the credit bureaus. The report dates are as follow : XX/XX/2015, XX/XX/2015, XX/XX/2015 XX/XX/2015 I was receiving XXXX XXXX  assistance at that time and I contacted the loan provider about this issue. I was later put on a forbearance, which I have incurred a lot of interest. I was not given information concerning, IBR until last year. These late reports are hindering me from acquiring a permeate home for myself and my kids. I would like for these dates to be removed from my credit report. I would also like an investigation done in regards to the interest that I have accumulated by being in deferment and forbearance,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without instructions
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 XXXXS-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number  : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$5500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I put the wrong account number for my first 2 stimulus payments which was 2 years ago. The IRS keeps saying the XXXX has it and has sent me paperwork saying as much stating it was deposited {$600.00} on XX/XX/2020 and {$1200.00} on XX/XX/2020 and they say they dont that the irs has it. I dont feel like the XXXX is trying hard enough to find my money and get it to where it needs to go. Ive been through the refund trace process with the irs and everything and still no luck.
Product: Credit card

My Barclaycard Arrival+ account was shutdown without any warning or notice on XXXX XXXX, XXXX. 

I had XXXX points available on that card valued at {$2100.00} in travel credit. I sent Barclaycard a certified, return receipt letter that they received on XXXX XXXX, XXXX asking for an explanation as to why my accounts were shutdown and to have them reinstated. If that was not possible, I asked to be compensated for my loss of points. As of today, XXXX XXXX, XXXX I have not received a response. 

I feel that Barclaycard was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points.
Product: Credit reporting or other personal consumer reports

Please be advised that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please delete this account from my credit report at once. 

XXXX with account number XXXX I never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and its a violation to continue reporting it! You didnt do a proper investigation and I can see that this account wasnt even updated in the status update date. Account information across bureaus does not match and as a result is pulling my score down drastically! Its a violation to continue reporting!
Product: Debt collection

I never knew that this was on my credit report, until I went on XXXX XXXX and seen this negative information, Ive been sick and I dont know why this is on my credit. Its showing a XXXX gas bill which I dont owe. I never heard of this company until I XXXX them and read all of the negative reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contact XXXX, TransUnion and XXXX to fix this error of an account that I asked to be removed they did not verify any information that the account was mines like I asked. They sent a letter stated that it was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! 
I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH STATES EMPLOYEES CREDIT UNION AND COMENITY WAYFAIR SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to obtain the credit to which I am entitled because XXXX, Experian, and XXXX are ignoring my repeated disputes of numerous accounts that are being reported to my consumer report that I never initiated.They are REQUIRED to abide by the exercise of my right to prohibit the information from being used in connection with transactions that I did not initiate pursuant to 15 USC 1681m ( d ) ( 1 ) ( D ).

I am a victim of identity theft and I have repeatedly requested that the credit reporting agencies block the information being reported pursuant 15 USC 1681c-2. The supporting documentation for the block of information has been on file since 2018 which includes the affidavit of identity theft, identity theft report, written statement, copy of driver 's license and copy of social security card.

According to 15 USC 1681, false information being furnished to my consumer report is defamation of my character.

The accounts being disputed are being furnished by creditors that are not licensed to conduct business in Louisiana which makes all purported obligations null, void unenforceable, and uncollectible as against public policy of this state pursuant to La. R.S. 9:3518.4 ( a ) ( 1 ).

They are purporting to have completed investigations of my disputes in just 24-48 hours have failed provide an explanation or a list of reasons. The credit reporting agencies are damaging my reputation and causing me credit discrimination.
Product: Credit card

capital one closed my acct, and then sent me an offer to come back. I accepted the offer and was sent a card. upon trying to activate the card i was transfered me to a rep who told me the acct was closed. Captial one is not honoring the new acct they begged me to come back to.
Product: Student loan

I have called MOHELA Federal student aid multiple times and sent them messages through their direct messaging in which they usually do not respond. I have Submitted my request on XX/XX/scrub>XXXX to switch from the SAVE payment plan to IBR so that I can make payments ASAP. I have requested changes in my payment plan and they incorrectly told me my payments would be like $ XXXXmonth, but even on the 10 year standard plan it was approx {$1300.00}. I call and try to speak to someone who can help me and they said there is nothing they can do. I've tried to call and if you miss their call back it's another 100 minutes to wait on the phone or even for a call back which makes it nearly impossible to speak to someone since I do work! PLEASE! I just want to make a PSLF qualifying payment on my Loans. I would like to switch from SAVE to IBR immediately and have a payment ASAP. I regret going the 10 year PSLF route. I regret going to college : ) ( about 1/2 true ) I should have started an HVAC, plumbing, or electrical company.
Product: Checking or savings account

Re Chase Bank checking account : XXXX XXXX check XXXX dated XXXX cashed XXXX Amount {$2500.00} Payee Commissioner of Revenue Services State of Connecticut This check was sent in the US mail ( stamped, dated and photographed when given to The XXXX CT XXXX ) .It was stolen and cashed by an individual called XXXX XXXX  and deposited into her XXXX XXXX account. 
Despite the check not being deposited by the payee, Chase Bank deducted the funds from my account. 
On XXXX, I went to my local Chase branch, pointed out the error and completed an affadavit, given to me by the Chase employee, to have this corrected. 
I was sent a letter from Chase dated XXXX, rejecting their own paperwork, closing the case and requested me to resubmit the identical paperwork. 
The error is clearly Chase Bank 's as my funds were paid to someone other than the written payee the State of Connecticut
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via USPS certified mail tracking # XXXX, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report.

To facilitate Experians verification process, I included a copy of my photo ID, Social Security card, and a recent bill with my current address. 
I received a response from Experian dated XX/XX/year> stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation upon receiving a consumer 's dispute regarding the accuracy or completeness of any information in their credit file. Experians refusal to investigate my dispute constitutes a clear violation of these legal obligations.

I am providing a copy of my original dispute letter, proof of delivery via USPS certified mail, and Experians response as evidence to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. 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
Product: Credit reporting or other personal consumer reports

[ Your Name ] XXXX XXXX XXXX XXXX XXXX Mt. XXXX, XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Ford Motor Company Account from My Credit Report I am writing to formally dispute the continued reporting of an account from Ford Motor Company on my credit report. This account has been on my report for more than seven years, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ), derogatory accounts, including charge-offs and collections, must be removed from a consumers credit report after seven years from the date of first delinquency.

The continued presence of this outdated account is negatively impacting my credit score and preventing me from securing essential credit opportunities for everyday purchases. I kindly request that you investigate this matter and remove the Ford Motor Company account from my credit report immediately, as its continued reporting is in direct violation of federal law. 

Please provide me with written confirmation once this account has been removed. If it is not removed, I request a detailed explanation, including documentation verifying the date of first delinquency. If I do not receive a satisfactory response within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I appreciate your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunion inquiries issue and their customer support does not want to help their customers to remove all those fraudulent inquiries from the report. 

XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Americollect acct # XXXX this account has been paid Americollect has not responded back as a validation of my account
Product: Student loan

nAVIENT HAS MIS-ALLOCATED MY PAYMENTS. I HAVE PAID THEM OVER {$6000.00} ON A {$4900.00} PRIVATE STUDENT LOAN ISSUED IN XX/XX/2009. HARDLY NONE OF THE PRINCIPLE DOLLAR AMOUNTS HAVE BEEN PAID ON. ADDITIONALLY, WHEN I HAD TIMES OF ECONOMIC HARDSHIP DUE TO JOBLOSS NAVIENT DID NOT PROVIDE INCOME DRIVEN LOWERED MONTHLY PAYMENTS. THEY STEERED ME INTO PROGRAMS WHICH WAS ONLY TO BENEFIT NAVIENT.