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

to whom it may concern, i dont even remember signing up with kickoff now i have a late balance but im reading what kickoff is about and i seem interested now on maybe i shoud keep this app it states that kickoff actually helps to buid your credit score and that actually get to barrow money it says that i have a 500.00 credit available but i never recieved any type of card also it wants me to put my card information for auto pay i havent even got to do anything i did contact kickoff a couple of days ago and all they told me was that they will get back to me is kickoff even real app now im starting to think i think i contacted them on XX/XX/2022 thank you i need someone to help me to understand more i guess and to send me a credit card and i can actually get on the ball and fix my overdue balance and put auto pay on thank you for your time and help ....
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

Navient is the private loan servicer. I am the cosigner for my son. Originally these ( XXXX loans ) were XXXX XXXX loans. I have been paying on the loans since XXXX. Loan XXXX was disbursed in the amount of {$21000.00}. To date I have paid over {$17000.00} on this loan. The outstanding balance is {$17000.00}. XXXX was disbursed in the amount of {$31000.00}. To date I have paid almost {$20000.00} on this loan. The outstanding balance is {$24000.00}. I submit that the fees and interest on these loans are predatory and unethical. Consequently, I have retained counsel to help me navigate a course of action. Repeatedly Navient has refused to help me over the years with a reasonable payment plan and reduction of interest and fees. Finally in XXXX of XXXX I discontinued my payments to Navient after receiving a bill for XXXX that indicated that my most recent payment of {$130.00} only lowered the balance by {$46.00}. Although I have retained counsel, CFPB needs to be aware of the predatory practices of Navient. I have retained counsel for 6 months and to date, although we have offered a reasonable amount for a monthly payment, Navient has refused to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report from XXXX XXXX and American Honda Finance were made on XX/XX/2024. These are fraudulent inquiries and I want them removed from my account immediately.
Product: Checking or savings account

In XXXX of XXXX, the amount of XXXX dollars in the Wells Fargo bank became missing out of my account. So a couple of months earlier was on my way out of the bank one day and the bank manager came out of her office an said that she need to change the withdrawal fee for my ATM card ... Never thinking anything about .... went into the office took care of it an I was on my way out ... later i keep noticing that my funds wasn't they should have been ... so over the last couple of years i tried solving it myself. But nothing, but just this pass year XXXX, I notice i could get into my account the bank sent me a message to go paperless and i could get into my account that way ... So when i finally did get into my account where it was showing that the XXXX was showing it was taken out my account page was change with another account that i own the bank ... so as i continue to check the account it was maybe the end of XXXX or XXXX they Bank remove all the information and replace pieces of my account with a joint account an a line of credit account ... And they just did all these changes this past year like they was trying to cover up something ... I deposited XXXX into the this account an with them taking the XXXX out they have it as though i only put XXXX they have change a lot on my account ... each account has different windows to open them their showing all these accounts on mine ... Another thing when i try to signing on to my bank account with phone it states that the user has not granted this App permission to store this file .... never had this problem before cause my phone works just like a tablet ... I really need your help .... Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of attempt : XXXX Vendor : Equifax Situation - I have been advised by mail received earlier this month from XXXX XXXX XXXX XXXX of XXXX GA of a Data Breach. They instruct me to contact the three credit bureaus and place a fraud alert with each. 

I have today twice gone through the complete process of trying to file a fraud alert with Equifax, including reentering my personal info as requested, then to be indicated that I need to sign into my account, which I dutifully completed.. 
Only to be told my password and log in do not match. 
So I go through their screens to re-establish my identity. 
And once I hit Enter -- the error message come up saying " Can not process. Try again later '' Sheer incompetence posing as a service. 
They no more want to alleviate a data breach than I want to fly. 
But they're eager to sell you services. 

Not sure what you can do - other than to add my complaint to the millions already filed that document corporate credit bureau indifference, and underinvestment in necessary IT support for the customer load. 

I go through this every time I have to work with these people with data breaches. 
I've had enough of this repeated incompetence to stay silent any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed with all 3 credit bureaus ( equifax, XXXX  and XXXX  ) and all 3 bureaus continue to report inaccurate information. i have sent them letters to verify these accounts and have asked them to either prove that they indeed belong to me by providing me with a binding agreement documentation that bears my signature or accounts that show i've been late for payments. i'm not here to play games as these negative items impact my credit score and i believe that they do not want to delete because they will lose monitory income if they delete the accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Violation of Fraud Reporting Regulations by Equifax Dear Sir/Madam, I am writing to file a formal complaint against Equifax for violating federal consumer protection laws related to the reporting of fraudulent activity. Specifically, Equifax has inaccurately reported late payments on my XXXX XXXX XXXX, XXXX. account, which directly contradicts the legal framework governing permissible consumer reporting practices. 

Under 15 U.S. Code 1681b ( " Permissible Purposes of Consumer Reports '' ), a consumer reporting agency is permitted to furnish consumer reports only under specific, lawful circumstances. Furthermore, the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of transaction histories or experiences between the consumer and the person making the report unless explicitly authorized by the consumer. Reporting such transaction history, including the alleged late payments, without my written consent is illegal and a clear breach of federal law. 

The inaccurate reporting of late payments has adversely affected my creditworthiness and overall financial standing. This unauthorized and erroneous action by Equifax violates my rights as a consumer and causes undue harm, contrary to the FCRA 's objectives of fairness, accuracy, and privacy.

I request the following : 1. Immediate investigation of the violation by Equifax. 
Removal of the inaccurate late payments reported to XXXX XXXX XXXX, XXXX. from my credit file. 
Assurance that Equifax will comply with federal laws moving forward to prevent similar issues from occurring.

Please confirm receipt of this letter and provide updates regarding the investigation within 30 days, as required by the FCRA.

I have included copies of relevant documentation, including my credit report and correspondence with Equifax.

Thank you for your prompt attention to this matter.

Sincerely,
Product: Checking or savings account

My personal and business accounts were closed randomly and without written reason by bank of America back in XXXX of 2024. I reached out to bank of America by phone and in person and they did not give me any reason as to the closure. Additionally, the funds that were left in the account were never sent to me. The bank also charged my account for transactions after the accounts had already been closed. Resulting in them sending me a letter ViA mail saying I have a balance on one of the accounts that they had already closed and denied me access too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I, XXXX XXXX, am writing to close the following account as i am a vcitim of identity theft. This issue was brought to my attention on XX/XX/XXXX Account number : XXXX Account opened in XXXX with a balance of {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has not contacted me in 40 days and i still havent received anything delete all negative accounts not mines I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I have filed a complaint with the FTC due to your noncompliance with the FCRA. it has been over 35 days since I have sent my request to investigate the removal of the following accounts, and you have failed to comply with the FCRA. 
In good faith, I ask that you please reinvestigate the following items, and promptly DELETE inaccurate, incomplete or unverifiable accounts : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX   XXXX Balance Owed : {$4100.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00XXXX XXXX XXXX  XXXX Balance Owed : {$1300.00} Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Copy of SSN ID and Proof of Bil
Product: Debt collection

Around XX/XX/year>, I was a victim of identity theft. Someone used my social security number to purchase furniture, open a utility account and now this charge for some type of apartment is showing up on my credit as an collection amount. These charges were in Maryland and the latest is Virginia. I have never visited, lived or purchased anything in either of these XXXX states. I have lived in Georgia at my current residence that my husband and I built for the past XXXX XXXX years in XXXX , GA. I will be placing another fraud alert on my credit in hopes to prevent this in the future.
Product: Credit reporting or other personal consumer reports

I made a complaint with XXXX, Equifax, and XXXX  on XX/XX/2023 about the identity theft complaint regarding my credit report that is affecting my credit. The Information that i reported on XX/XX/2023 was supposed to be blocked and deleted within 4 business days from XXXX has been 10 days and is a violation of the FCRA and i am requesting it be deleted ASAP because it causing me suffering and harm.
Product: Debt collection

On XX/XX/2015 I received a call to my mobile phone from a number I did n't know. I use this phone for business contacts so I called it back thinking it could be a client. It was answered by a man who identified himself as XXXX. The number is XXXX. I did not confirm that he was speaking to me. He gave out the last XXXX of my ssn, the amount of the debt, my former employer and other information. Again I did not confirm my information. He became aggressive and harassing. When I asked who he worked for he did not give a name at first and then said it so fast and quiet that I did not understand. He then began making threatening statements. I informed him that this was a line used for business and not to contact it again, he stated that he would continue to call. I disconnected the call at that point.
Product: Money transfer, virtual currency, or money service

I am a XXXX  and my XXXX paid me XXXX dollars in CashApp. CashApp cancelled the transaction, basically stealing XXXX dollars from me. They refuse to give me my money
Product: Student loan

Mohela is the loan servicer. They are not directing my payment appropriately on my account. They have placed me in an unsolicited administrative forbearance for this month. This was neither requested nor needed. They are unable to tell me why this action was taken. Now, due to their error, this month will not count towards my loan forgiveness. They should be held responsible for their mistake and made to correct it
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and have a few different inquires on my credit report that I did not authorize. 
XXXX. XXXX ( XX/XX/year> ) {$0.00} I got a phone line with them and they are telling that me someone tried to sign me up for the XXXX credit card. I did not ask them to do so. 

XXXX. XXXX XXXX ( XX/XX/year> ) {$0.00} I have no idea what company this is and I never talked anyone to have my credit ran by them. 

XXXX. XXXX XXXX ( XX/XX/year> ) {$0.00} I have no idea what company this is and I never talked to anyone to have my credit run by them.
Product: Credit reporting or other personal consumer reports

The order was placed with XXXX I applied for credit with them to purchase a XXXX '' fridge I did not know it was going to come in pieces unit the order was placed. Which is not what I wanted. 
On XXXX I called before placing the order to ensure the item was instock. 
On XXXX the order was placed. 3 days later i was informed it was backordered. I begain paying for the fridge prior to it be delivered. On XX/XX/XXXX, XXXX a fridge was delivered. I informed the company the wronge item was sent and they needed to come back for it. They tried to send 2 more fridges all of them were rejected used and damaged. I have video recording of them being returned and rejected. I insturcted I wanted my monies back and they refused. The company ended up going bankrupt before a soultion was processed. I opened a case with XXXXXXXX XXXX and they rejected my claim saying I was fully responsible for a fridge that was never received. I have phone numbers and statements of the delivery drivers that took back the products. I tried to supply these videos to XXXX XXXX but they did not give me a means to send them. I even offered to have them loaded to a cd and mail. I was met with no response. Recently in XXXX they begain to charge me again. I was in the process of purchasing a home and have been denied due to the late payments. I was selling the house that the fridge was purchased for. I had to buy another fridge as the one purchased from applianceconnection.com was never fully delivered. 

It would not allow me to upload the full video ( XXXX ) so i took screenshots. I am willing to mail these in a thumb drive.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report I didnt authorized
Product: Credit reporting or other personal consumer reports

EQUIFAX : I'm filing this complaint under the FCRA due to the willful noncompliance of the credit bureaus & data furnishers improperly investigating my disputes, as required under15 usc 1681 & 15 usc 1681 A-2 ( B ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation & have continued to report inaccurate information to my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting or other personal consumer reports

I was alarmed that there are inaccurate late payment remarks on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.
Product: Credit card or prepaid card

I closed my Kay XXXX  account with Comenity many years ago. However, this card still is reported on all of my credit accounts. I have appealed to Comenity itself and all of the credit agencies/bureaus, and they have refused to mark the account as closed. 

I do not have an account with Kay XXXX  or Comenity. I have not had an account for years. Their continued insistence that I have an account, and their reporting of it despite my repeated protests, is fraudulent.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I tried moving out of room, so I started looking on XXXX. That is when I found XXXX XXXX ( XXXX XXXXXXXX profile pic ) ad for a basement room with a half bathroom for {$450.00}. Since so many people were interested in the room we set up to meet where he would give me the key and I would give him the {$250.00} deposit {$100.00} cash/ {$150.00} cashapp. He then proceed to give me the address XXXX XXXX XXXX XXXX where a guy had just moved and was not renting a room. So, I had tried calling XXXX or XXXX XXXX phone through my phone, blocked, XXXX, no answer and my girlfriend phone but nothing. I then requested a cashapp refund but it was also denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.