23daVinci/CFPB_Complaints huggingface dataset:
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 accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy, and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable 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 I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) 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 every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Checking or savings account

Friday XX/XX/year> I requested XXXX XXXXXXXX XXXX credit to checking account and the telephone operator said she did not have authority to do that. I believe she was illiterate of equal credit opportunity act. Customer had 100 percent available credit for transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a complaint to you today to inform you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to ELIMINATE these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX FST XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$140.00} ; XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2021 ; XXXX XXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX is reporting me being 30 days late on my personal loan with XXXX XXXX XXXX XXXX in XX/XX/2023. However I evidence to prove that this information is inaccurate. Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit report and score. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold all parties accountable for their failure to adhere to the fair credit reporting practices. Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Purchased product from XXXX with Venmo debit XXXX on XX/XX/23 XXXX charges.. {$360.00}, {$63.00}. 
Did not receive any shipping info on order, XXXX was not cooperative in communication so informed them i would be contacting Venmo about fraud claim as I suspected fraud. Venmo opened 2 claims on XX/XX/23. The account resolution dept stated they offer vendor 50 days to respond. I tried contacting XXXX directly stating they shipped me product i asked them to cancel and i returned it to so why wont they issue credit? They told me they couldnt assist me and to go to Venmo. After following up with Venmo they are stating they need another 50 days to investigate the {$63.00} dollar claim and 2 more days on the {$360.00} claim. I asked to speak to account resolution dept @ Venmo they will not speak to me directly. I receive emails that appear to be bot generated aaking for survey responce. I asked to speak with their legal team and again no cooperation. I told Venmo I wished to close my account and again no cooperation due to open claims. Both XXXX and Venmo refuse to return/ credit me for the merchandise purchased. I bank with XXXX which is linked to this account. They resolve things fairly efficiently. I have never seem such reteric and incompetence from Venmo and XXXX. 
XXXX help me resolve thia issue
Product: Student loan

Navient continues to disregard my defense to repayment for my current situation with The XXXX XXXX. The school I attended has done a teach out and is closing, been sued on multiple accounts, defrauded thousands of students, and unethically recruited students. Navient was involved with this system of predatory lending to schools that had XXXX transferability and they need to be held accountable. Please see my attached Defense to Repayment for a more detailed request for full discharge of these fraudulent loans.
Product: Credit card

On XXXX XXXX, I opened a secured credit card with 5/3 Bank with a {$500.00} limit. I lost my job. I paid the {$70.00} of interest, and they closed the account and took {$500.00}. We closed the account. It is still showing as open on all XXXX of my credit reports.
Product: Debt collection

Called XX/XX/XXXX spoke with XXXX at XXXX XXXX advising this account was paid off. She informed me she would put in a dispute. Got letter stating account was correct. XXXX XXXX sent me replacement statements from XXXX dated XX/XX/XXXX with no further statements. 
XX/XX/XXXX Called Pay Pal spoke with XXXX in an attempt to get prior statements XX/XX/XXXX through XX/XX/XXXX. Was told they are unable to get past statements on accounts that are closed and sent to collections. Called XXXX XXXX  with another request for dispute XX/XX/XXXX phoned XXXX XXXX spoke with XXXX XXXX to dispute again, letter from XXXX XXXX arrived XX/XX/XXXX again stating the balance is valid. 
Meanwhile I was served with a civil complaint from XXXX XXXX with a summons for Pre-Trial hearing XX/XX/XXXX. 
XX/XX/XXXX Spoke with XXXX at Synchrony Bank, she advised me they are unable to provide prior statements on accounts that are closed and referred to collections. 
I retrieved my bank statements from XX/XX/XXXX through XX/XX/XXXX showing payments to PayPal Synchrony Bank credit card. I e-mailed a copy of these statements showing the payments to XXXX XXXX and I Certified Mailed a copy of statements showing payments to PayPal Synchrony Bank credit card with a return receipt. 
I further retrieved a copy of my statements from XX/XX/XXXX through XXXX XXXX. XX/XX/XXXX shows a pmt I made to Synchrony Bank for {$230.00} and XX/XX/XXXX a payment of {$2300.00}. This shows I may have paid them twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The word " '' company '' / " the company '' '' refers to : kikoff.com ) The company is either committing fraud or an employee at the company or someone who hacked into their system has added an email and address ( XXXX / XXXX XXXX XXXX, XXXX, NC, XXXX ) to my credit report. I tried disputing before and they said I couldn't remove the information only the company could. After the last complaint I placed with XXXX they responded with " the company fixed the problem, etc '' which they did not. The information is still on my credit report and only the company apparently can remove/chamge this information according to XXXX. I filed a complaint about this before and they just gave me a " run around answer '' about how the company 's internal fraud group would look into it and respond to me, which they never did. And this was years ago and the fake email and address ( XXXX / XXXX XXXX XXXX, XXXX, NC, XXXX ) are still on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' TransUnion '' a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.

15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX   for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank you!
Product: Checking or savings account

The Chase bank account I opened on XX/XX/XXXX has been locked. I have the account opening certificate and my deposit certificate. My bank account balance is US {$5000.00}. They shirk responsibility for various reasons and refuse to return my deposits that belong to me. My request is to get my hard-earned money back, as well as my lost time and lost wages.
Product: Debt collection

On XX/XX/XXXX, I charged and item from Wayfair-Comenity in the amount of {$130.00}. 
On XX/XX/XXXX, I paid off this charge in full. 
In XXXX, XXXX was was billed for this item again. I have made many phone calls to both Wayfair and Comenity Bank to resolve this matter, I have a receipt from Wayfair from XX/XX/XXXX, showing this item was paid in full leaving my balance with Wayfair at {$0.00}. 

I have a letter from Comenity Bank saying, this error was corrected on XXXX/XXXX/XXXX, with the purchase posting on your account. 

I have received another bill from Wayfair-Comenity on XX/XX/XXXX with a late fee of {$5.00}. 

I called Comentity again on XX/XX/XXXX, at which time they informed me the matter is under dispute again. 

I am concerned about my credit rating at this point and am unable to get any resolution from the company.
Product: Credit card or prepaid card

I purchased a pool table from XXXX 's on XX/XX/XXXX with their Brand Source Credit Card under a 0 % interest promotion. I had my balance down to {$450.00} when I received a statement showing a current balance of XXXX. I called customer service to inquire about the balance and was told because I did not pay it off within the promotion I am required to pay the back interest beginning from XX/XX/XXXX. This is very upsetting because none of this was communicated when I made the purchase. I understand paying the interest going forward on the remaining balance, but due to the lack of communication on their end, my balance is now tripled. I have never missed or been late on a payment and this is truly bad business on their end. The previous interest rate needs to be rescinded, and the interest needs to begin with the balance of that was due before the {$720.00} in interest was added to my account.
Product: Checking or savings account

On XX/XX/2022 I attempted a purchase for {$20.00}, at a local gas station, using my debit card. The attempted purchase was declined even though there was over {$4000.00} in the account. Later, that evening, I attempted to transfer {$200.00} from that account, into another checking account that I have at the same bank. I was told that the transfer could not be made because there was a " hard hold '' on the account. When I ask why there was a " hard hold '' on the account no one would tell me why. In closing, this is not the first time that a " hard hold '' has been placed on this account. To remove the last " hard hold '' i had to take, to the bank, legal documents, including a death certificate.
Product: Mortgage

This is continuation to the first complaint made about Community Loan Servicing. There are still payments that have not been applied to my loan. My online account has also been blocked and I am no longer able to make payments online toward the principal since XX/XX/XXXX. I tried contacting XXXX XXXX and he has not responded. I spoke to one of the customer service representatives and they were very helpful and trying to get my questions answered. Issues to be resolved. 

1. Still showing applied principal payments 2. Not able to make any payments online on my account 3. Requested Amortization Table with current scenario. 

Please advise! 
. 


visit www.communityloanservicingcares.com. 

public-header-image-one Header Payments Documents Request for Assistance Help Profile Log Out Make a Payment Auto Pay Payment History Manage Accounts Unable to make a payment Sorry, currently you are unable to make an online payment. Please contact Customer Relations at XXXX XXXX XXXX XXXX.
Product: Mortgage

We applied and used the forbearance period during covid-19 due to my wife position being eliminated. After the forbearance ended we are able to resume our mortgage payments and move forward, LoancareXXXX XXXX sent me a plan package that raised my interest rate from 3 % to 3.5 % and told me I had to make three payments at an elevated rate. In their plan they said I had the right to appeal which I did. After not hearing back from them at the end of the month I called them and was told even though it said that in the contract I was not allowed to appeal and had to make my first payment by the end of the month. I have now made 6 payments at their elevated interest rate and now they sent me loan modification agreement which outlines mothing, doesn't show my payments and increases my mortgage loan amount by {$30000.00}. I have called four time between XXXX and XXXX requesting hep and each time I am told a loan expert will call me back within 5 days. I have never received a call from them to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You are violating my rights on reporting an inaccurate report. date opened, last reported, date last active, date of last payment. DELETE THIS IMMEDIATELY AS YOU FAILED TO PERFORM AN INVESTIGATION IN THIS ACCOUNT 2. Unverified/no data information XXXX XXXX XXXX XXXX Account XXXX : XXXX Inaccurate information failure to perform an investigation per fcra regulation 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You are violating my rights on reporting an inaccurate report for 3 BUREAUS DATE OPENED, LAST REPORTED DATE, DATE LAST ACTIVE DATE OF LAST PAYMENT WAS REPORTING AN INACCURATE REPORT. UDATE THIS TO PAID AS AGREED IMMEDIATELY 4. Unverified/no data information XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation
Product: Debt collection

On XX/XX/2021 Source Receivables Management sent a letter to my address in an attempt to collect a debt which I do not owe. I was told by SRM that if i did not pay the debt my credit would be negatively affected and I would not be able to receive services with this business again. They also called me several times in an attempt to collect this debt. According to 15 USC 1692D I have been harassed and my right to privacy as a consumer has been violated. I sent over a payment on XX/XX/2021 in the amount of {$450.00} which I demanded an immediately refund as well as {$2000.00} for two violations. They never responded to my certified letter nor did they issue any payments.
Product: Money transfer, virtual currency, or money service

Somehow my card was hacked and I couldnt get a refund m.