23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed with Experian and XXXX for an unverified and inaccurate account in regards to an account with XXXX. They both returned verified without proper verifying documents such as a signed contract, ID, SS card, or other concrete verification. They both completed their investigation but failed to see the inaccuracy and inconsistent information of what is being reporting. All XXXX bureaus are reporting different information. I mentioned this in a correspondence with XXXX and again they did not properly investigate. In compliance with the FCRA 623 ( a ) ( 8 ) ( D ) I am requesting accurate information be reported and both parties have failed. It is my understanding that Experian make money for reporting information and the lower my score the more they make. As long as they verified information and the accuracy of it, they can continue to report. Well I have proof that the information is inaccurate and also unverified. XXXX correspondence is contradicting what they are reporting. It also states they verified my identity through an email address and online application. I want my creditworthiness to be restored! They need to report accurate and consistent information. Also completely verify my identity before including this information on my report. Verifying my information with an email address, an online application, and billing statements are not verification. I have not received a thorough investigation from Experian or documents requested of verification. The documents I received from XXXX are clear that the delinquency dates are not accurate, the amounts paid and received are not accurate, and the identity verification is not accurate. Due to their failure to complete the investigation and report accurate information, I 'm requesting this to be deleted permanently from my file.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim off idenity theft. I found a couple accounts on my credit report that wasn't authorized by me. This has been hurting me as i am trying to buy a home for my family and i. Pleaseremove negative account on my credot report as soon as possible.
Product: Credit reporting or other personal consumer reports

I recently looked into my credit reports and found that an account wasn't reporting accurately. I had one late payment on my XXXX  XXXX account that was paid on time. The credit reporting agencies need to report all information with complete accuracy. My XXXX  XXXX account has not been late on payments. I have attached a copy of my reports to this complaint on the following date XX/XX/year>. Im now requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want incorrect information to be deleted that does not belong to me.
Product: Checking or savings account

I have a joint checking account with my husband with Chase Bank. My limit for deposits using the Chase app is {$7500.00} per month. My husband 's limit for the same account is 7-10 times my limit, depending on the day and activity ( currently $ XXXX ). I have complained about this for months and get answers from Chase that there is nothing they can do and, basically, that the computer sets the limits. I don't care that my husband 's limit is so high ; I simply want a limit that is reasonably for the checks that I want to deposit. I receive a lot of checks during the months of XXXX through XXXX and {$7500.00} is too low. I believe it's a form of discrimination because of the huge difference in our limits when my husband and I have been customers of Chase Bank for the same length of time ( which goes back to when the bank was Washington Mutual ). I am tired of hearing that there is nothing they can do. I have called the executive office and have not received any satisfaction ; in fact, I received a basic form letter yesterday that they have no control over the limits ( copy attached ). I don't believe that to be true. Someone sets up the computer algorithms. The bank doesn't like to hear me claim discrimination but there appears to be no other reason for the difference in our limits. I want to be able to deposit checks that I earn during a period of time and I should be able to do that. ( I know my husband can deposit the checks when I am over my limit but I want to deposit the checks that I earn and I should be able to do that )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, I contacted each of the 3 agencies and requested that my credit score be changed to zero ( 0 ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all 3 bureaus..

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute over 45 days ago and I have not received any results or status of my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Reference Number XXXX Date Filed XXXX XXXX, XXXX  Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual XXXX  Amount XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Debt collection

In XX/XX/XXXX, I contacted XXXX  to request an alarm system be installed in an income property that I own ( vacant rehab project intended for resale ). 
I specifically asked the company if they were XXXX and they told me that they were. I also went into great detail with the person I spoke with and explained that I had no intention of keeping the property. I only wanted the alarm to serve as a protection for me since the home was under rehab with the intent to resale it. I was assured that my request would be met and there would be no problem in cancelling my contract or transferring my contract. I proceeded with the installation and the contract. No copy was provided to me by the company, who I continued to believe was XXXX. I was told that the contract would be emailed to me. I was also set up on automatic each payments which began immediately under the name " XXXX ''. I had no reason to believe that this was not XXXX. After 3 months passed ( XX/XX/XXXX ), the home was complete and I had a buyer who was willing to assume the payment plan on the alarm system. I contacted the phone number to XXXX that was on my online account log in with XXXX. I was told that transferring was no problem at all and proceeded with the transfer. I was told by ADT that they could not give me anything in writing stating the transfer, but the way that I would know that it was success full is 3 things would occur : 1. The my monthly payment automatic drafts to my account would stop 2. I would no longer be able to log in under my account online 3. My account number would remain the same, but under the new buyer 's name if I were to call in to the customer service number. 
ALL OF THESE THINGS HAPPENED, as I was told. 
Unbenounced to me, yesterday, XX/XX/XXXX I received a phone call from an attorney/ collection agency stating that I was being reported for non payment by a company named XXXX XXXXXXXX XXXX XXXX. I was SHOCKED! I immediately began researching everything, only to realize my worst fear that I had been deceived. That the alarm contract was never with XXXX, it was with a 3rd party who represented themselves falsely to be XXXX and that even though I have successfully transferred my monitoring, this 3rd party was still holding me hostage for the remaining 19 months of my 24 month contract with XXXX. I researched the company " XXXX '' who I have never even heard of and found out that they scam people all the time under the guise of XXXX and I was even able to locate over 350 complaints on yelp of the same exact scam that I was now finding myself to be a part of. It is my hope to begin a Class Action Lawsuit, as so many people have been victimized by XXXX XXXXXXXX XXXX XXXX XXXX. I need help, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account unknown to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Also, the information you provided on some accounts are 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. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Started getting unsolicited text on XX/XX/XXXX and calls non stop. Advised to cease text and calls. Upon review, this company is a sell off from several companies from a XX/XX/XXXX nearly 13 year old charge off and are harassing my with a judgment will I pulled the information. Not only did they not have express consent to text me, I am getting annomus calls coming up since I told them to cease.
Product: Student loan

I paid off my XXXX Student Loan over two years ago. I am now being denied credit because the servicer ACS is reporting that I am XXXX-days late in making a payment. I have tried numerous times to reach out to ACS to fix the problem but I can not get a hold of an actual person and now the company has been sold to XXXX and I have no clue as to who to write or call to get this fix. My end result is to get this negative information removed from all XXXX of the Credit Reporting Agencies as it is FALSE/INCORRECT INFORMATION.
Product: Debt collection

Dear CFPB Staff Member, My name is XXXX XXXX. I am writing you concerning a company attempting to collecta debt that was already proven fraudulent and removed from my credit reports twice. 

The company in question is AllianceOne located at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. The fraudulent debt is for {$620.00}. 

The previous owners of this debt received the necessary police documentation and this fraudulent debt has already been removed from my credit reports twice. 

At this point for XXXX to once again knowingly resell this fraudulent debt would constitute a crime. 

I request your assistance in informing XXXX to : A ) Remove this fraudulent debt from any credit bureaus and/or data collecting agencies they may have already reported this fraudulent debt to.

B ) Cease from further reporting this fraudulent debt to any other credit bueaus and/or data collecting agencies. 
C ) Cease all attempts to collect this fraudulent debt.

D ) Refrain from knowingly selling this illegal fraudulent debt to another agency. 




Thank you, XXXX XXXX
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 recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Student loan

I am a XXXX XXXX XXXX man trying to pay off my federal student loan debt before I die. I had a loan with XXXX  and then it was transferred to XXXX but serviced by ACS in XX/XX/XXXX ( ACS serviced loan from XXXX to XXXX ). I had many calls and emails to ACS over the years because my payments were allocated in an unfair confusing manner. Even when I paid early my interest would be higher than the previous month. XXXX finally took over to do their own servicing starting in late XXXX. I have paid XXXX directly since then. I have recently consolidated my loan from XXXX to a Direct Loan with the Dept of Education ( XXXX ). They however can not verify my payment with ACS because they no longer exist. Where are their records? Conduent has not responded to my emails. 

I need help in getting ACS ( or their successors Conduent ) to provide certified records of payments I made to them from XXXX to XXXX.
Product: Checking or savings account

I am filing a formal complaint against CashApp for the unlawful closure of my account, banning me from using their services, and mishandling my personal data. CashApp has failed to provide clear proof or a valid explanation of how I allegedly violated their terms of service, and their arbitrary actions constitute unfair business practices, potentially in violation of consumer protection laws. When I exercised my rights under privacy laws such as the California Consumer Privacy Act ( CCPA ) and XXXX XXXX XXXX XXXX ( GDPR ) by requesting the deletion of my personal data, CashApp falsely claimed they had fulfilled my request without providing verifiable proof, demonstrating clear non-compliance with data protection laws. Additionally, when I attempted to escalate my concerns, a representative misled me by claiming my complaint was resolved, refusing to address my grievances or provide any further assistancebehavior that maXXXX violate laws prohibiting deceptive practices. I demand the immediate reopening of my account, a detailed explanation supported by clear evidence of any alleged violations, verifiable confirmation of the deletion of my data as requested, and assurances that CashApp will address its lack of transparency and compliance with legal obligations. These actions have caused financial harm and eroded trust, and I expect a prompt resolution to this matter.
Product: Student loan

Have sent numerous requests by mail as to how my loan overpayments will be applied to my overpayments. These were my specific request would be handled : I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate.
If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.
If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate.
It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above.
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Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions.
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Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that two of the accounts that are in my credit report don't belong to me, and it came back with a different collection this time, the collection name for the alleged debt with XXXX is XX/XX/XXXX XXXX, and so I ask to please stop further collection activities and remove the account from my EXPERIAN and XX/XX/XXXX credit report. Also XX/XX/XXXX I personally don't recognize this account, the account doesn't belong to me and this is reporting on the three credit bureaus. I've already tried to remove these accounts with them and they refuses to take them off.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report 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 remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$6000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1500.00}
Product: Credit reporting or other personal consumer reports

I currently have some fraudulent accounts and inquiries appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted EXPERIAN on XX/XX/2021 about them colluding with the accounts on my credit report to commit identity theft and fraud. As a consumer and natural person EXPERIAN had no written consent from me to furnish this account on my report therefore they are in major violation of my consumer rights. Pursuant to 15 USC 1681 b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I, the consumer, gave NO written consent to furnish this account on my credit report. Also, pursuant to 15 USC 1681 ( a ) ( 4 ) : Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By furnishing this account on my report without the express written consent of me, the consumer and a natural living person, you are engaging in unfair and unethical practices as a consumer reporting agency. So I, the consumer, command that EXPERIAN remove this account from my credit report right now or face legal action. Finally, pursuant to 15 U.S. Code 1681c2 ( a ) ( 3 ) - Block of information resulting from identity theft - Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of the identification of such information by theconsumer. Therefore you have 4 business days, and Congress states EVERY day is a business day, to remove this from my credit report or be in further violation of my consumer rights and face heftier fines/fees and legal action. The account in question is attached to this report.
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received a text message from my bank asking If I just tried charging XXXX with XXXX XXXX. I replied no as my XXXX XXXX  subscription is only XXXX after reviewing my XXXX XXXX  account it looks like my bill has gone up. Thr response to the text message was. " XXXX : Huntington Confirm It. We suspect fraud. Your card has been locked. Call XXXX XXXX at ( XXXX ) XXXX. Reply STOP to end fraud alerts. '' I have called the number several times with no answer. I am unable to use my debit card. I have tried using the mobile app where it shows my card is locked but I can't unlock it. 

I have already opted out of texting from the bank so that message should have never been sent. 
There is no option to unlock my card or have access to my funds
Product: Credit reporting or other personal consumer reports

I filed a FTC Identity Theft affidavit to report multiple separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of personal credit card XXXX XXXXXXXX XXXX credit card opened on XX/XX/XXXX. 
XXXX charge card opened on XX/XX/XXXX. XXXX opened on XXXX XXXX XXXX XXXX opened on XX/XX/XXXX including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws The credit bureau are not removing these negative items of my credit report I will sue Experian XXXX and XXXX if these negative items arent removed. They violated my credit consumer protection rights too many times.