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

Credit Karma began running monthly unauthorized credit checks on me personally under a email address not mine but persisted for over 12 months. When inquiring about this with them nothing was accomplished nor information needed to address and uncover who was responsible for this. Pretty much same with identity theft and XXXX not being able to verify my identity and a problem with my bank and fraud you forwarded to comptroller of currency which I was falsely accused of fraud after repeatdly asking for help from bank only to be later completely and wrongly defamed accused and false statements from bank to comptroller. Due to repeated and unending attacks and no help or protection for any electronic device I am now completely and totally destroyed dignity character you name it. I was sent an email by you pertaining to a student loan I never opened nor know anything about and can not get answers to who where or any help or credit or life what so ever after this complete and total failure to help but I tried to do what was needed to assist but was stopped in my tracks everytime I tried. By theft data hacks and just outrageous ridiculous behavior I've have never witnessed nor seen in my XXXX yrs on planet and now getting worse thanks I had so much hope now I'm so physically and mentally destroyed and tired of all the false and just godawful things that I have endured due to such complete and total destruction of my health life and any desire to ask for help to stop wrongful and clearly illegal behavior. I can not endure all the misinformation financial or personal attacks and can't health wise endure a protracted and totally ridiculous reason to have to now hire attorneys and go after the bad actors. I was so hopefully my request for help would lead to good results only to further damage and lead to bigger and worse problems. I'm so disappointed and confused how a bank a credit reporting XXXX  and XXXX and XXXX XXXX such blatant and obscene behavior besides hotel stealing from debit cards and loans etc I cant contest or even attempt due to no faith or trust left to even ask.
Product: Credit reporting or other personal consumer reports

upon reviewing my credit reports i found multiple accounts that i have no knowledge of and didnt authorize i i diputed these items and filed a id theft report however the EXPERIAN and Tranunion failed to remove these items : XXXX XXXX  ACCOUNT # ( XXXX ) DATE OPENED : XXXX XXXX Account # XXXX date opened : XXXX
Product: Debt collection

I wrote Navy FCU numerous times on these following dates, XX/XX/XXXX and on XX/XX/XXXX. They have never responded to my letters within 30 days and under the FCRA it should be deleted immediately from said person credit file. I sent them a proof of incarceration letter showing my whereabouts when this account was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Accounts on credit report 1. XXXX XXXX {$550.00} 2. XXXX XXXX XXXX XXXX XXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$43000.00} Inquiries 1. XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XX/XX/XXXX 3.XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly believe they are fraudulent. I implore you to conduct a thorough examination and promptly eliminate them from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX accounts that are more then 7 years old are still on credit report. These accounts are also paid and closed. 
Dept Of EducationXXXX
Product: Debt collection

XXXX installed internet service claiming reliabilty. After 2 months ( aproximatly ) of constant interuptions, constant reboots I stopped service and changed to XXXX starting in XX/XX/year>. I notified XXXX of the change and paid the last bill XXXX XXXX. After a nearly 1 hour of putting up with constant " stay with us '' sales pitch the service representative claimed that my service was disconeccted and billing would stop. A e-mail of the return equipment ( modem ) was sent to me and I packaged the modem and sent it back to Spectrum XXXXXXXX XXXX XXXX I recieved a e-mail acknowledging the return. 
And still the bills came. ( On the XXXX XXXX of XXXX the XXXX contractor physically cut the cable from the pole and dropped the remains in my yard ) I kept marking the bills as paid and closed. In XXXX I started recieving rude phone calls concerning unpaid bills .Since I no longer had the service I wasn't going to pay.I had a " no contract " service so when /if I cancled didn't matter. In XXXX ( or late XXXX/not sure ) I got tired of the haraasment ands called XXXX XXXXI was informed after nearly a hour wait that yes I was correct and they should had stopped billing in XXXX. I was bumped up to a " supervisor " who stated she by company policy could only go back 2 monthe and the bill would only {$120.00} ( aprox ) WHY would or should pay for non provided services? This fraud .It seems XXXX is also " shopping the areas to renew filing agaisnt my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following unauthorized inquiries that appear on my credit report. These inquiries are adversely affecting my creditworthiness and were not authorized by me. The unauthorized inquiries are as follows : Company Name : XXXX XXXX - Inquiry Date : XX/XX/2024. 

I did not authorize these inquiries, and they were made without my permission. Under the Fair Credit Reporting Act ( FCRA ), inquiries can only be included on my credit report if they are authorized, and these were not. I request that these unauthorized inquiries be removed from my credit report immediately.
Product: Student loan

I took out a XXXX XXXX loan in XXXX to study for the bar exam. I returned to school and then graduated in XXXX. After graduation, I was unable to find a full time job and worked part time and as a temp until XXXX of XXXX when I was unable to work. My loan payment was extremely high and I was unable to pay the required amount. I contacted them on several occasions looking for a repayment plan or program, so for them to work with me as I was on unemployment at the stated time. I provided proof of the unemployment and they refused to work with me. Because I am was not making enough money to even get household items, I could not make the payments. I have had threatening calls, which I reported but got no response from the person who I sent it to at the company. Eventually they placed it in collections. When I became employed I tried to work out a payment plan with them again and after a lot of conversations and negotiations with the creditor I was able to make payments. Even though I make my payments monthly and on time, they refuse to let the credit agencies know about my payment so on my credit report it shows that I am late and not making payments. This is n't fair and it is something that they should work on since it has been raised as an issue with the XXXX committee because it is considered looks a default on a student loan. This is interfering with my career and I am making payments as I agreed to with them. I have tried contacting them about it and they keep passing me around to someone else who is never available and wo n't return my calls. But even if payment is made, they call me constantly to talk about changes or negotiate a settlement, it not about the issues I face. It is very frustrating and I am not working in my field right now so I am not making a lot of money to negotiate a settlement, I just want them to be fair and stop giving me the run around. I are willing to pay, and I have been paying even with their high interest rates and no wiggle room to negotiate repayments. A lot of students end up in debt and unable to make repayments unless it goes into collections, and why donot s it have to get to that point for us to get on a payment plan or are able to show hardship? They are not willing to work with student and that needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. 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 XXXX XXXX XXXX, 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. ) 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 some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  Account number : XXXX  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 Section 604 A. 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: 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two XXXX tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO CFPBXXXX XXXX XXXX  AKA XXXX XXXX DOES NOT BELONG TO ME. I HAVE PROVIDED ENOUGH PROOF TO SHOW THAT THIS ACCOUNT IS NOT MY ACCOUNT I DIDNT GIVE ANY ONE PERMISSION TO OPEN THIS ACCOUNT IN MY NAME. HOWEVER I WAS PREVIOUSLY A VICTIM ODF IDENTITY THEFT AND AM STILL HAVING THE ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Experian and XXXX have violating my rights by publishing inaccurate information about me and my account with XXXX XXXX XXXX XXXX. 

I was one of the thousands of consumers affected by XXXX XXXX XXXX XXXX deceptive business practices. I made my payments on time and XXXX XXXX intentionally altered, delayed the payments so they would appear late. I disputed and complained many times to the credit bureau the inaccurate XXXX XXXX XXXX XXXX information in my credit file but I am continuously ignored. 

Can you help me? 

XXXX XXXX XXXX XXXX  Account number beginning XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX  credit card through my Credit Karma app. The app told me that I would definitely get approved for the card and when I did everything it said I was denied and it was a hard inquiry and so Im just wanting that off of my credit score.
Product: Debt collection

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXPORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Acct # XX To Whom It May Concern : This letter is regarding account # XX, which you claim XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA,XXXX SSN : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Contacted lender on XX/XX/XXXX to verify the payoff amount which includes a residual amount value. The lender stated the residual value of the vehicle to be XXXX. I have the original copy of the lease agreement. It shows a residual amount to XXXX. At that time, the representative said that it would take 10 days to investigate the discrepancy. I then waiting the prescribed time period and called again. The representative said that the residual that was shown on my agreement was correct. He then proceeded to tell me that value of the residual in their system would be corrected to match the contract and that it would be complete by the end of business on XX/XX/XXXX. I called again today, XX/XX/XXXX and the automated system still reflected the incorrect residual amount. I spoke with a live representative again. This time they stated that the residual amount shown on my contract did not include " taxes and fees '', and that the amount in their system was correct as is. We called one more time, on XX/XX/XXXX. This time, they said that they have a contract that shows the residual amount of their system. I do not recall signing two contracts. This is, in my opinion fraud.
Product: Credit reporting or other personal consumer reports

These creditors XXXX XXXX is charged off and closed and still reporting as an active debt and affecting my credit negatively after being resolved. I have outstanding delinquencies on this alleged debt. I am requesting this to be removed or for the debt collector to provide the original documentation and details about this debt. 







This account XXXX XXXX is reporting inaccurately with delinquencies for 90 days. The details state I was never late so the delinquencies negatively affecting my credit score are not true or accurate. I need this updated immediately or soon as possible.
Product: Credit card or prepaid card

Hi, I opened the Netspend card account in approximately XX/XX/2020. I have been using it to receive my unemployment money every month ever since. Suddenly, on XXXX XXXX ; I could not access my unemployment benefits. I called and Netspend Customer service and they told me that I suddenly had to " verify '' my account. When I asked them why, they told me that they " looked '' me up and that the phone number that I had always used on my account belonged to someone else ( my brother ). I did not give them permission to dig in personal business and check the ownership of my cell phone to verify my account suddenly. They claimed that I " never gave them documents '' when I opened the account. I am certain that isn't true. Also, they do not have a secure link for me to upload the personal documents that they demanded from me. I am concerned about identity theft, now. I allowed them to bully me into emailing them my social card and state photo ID via email. I emailed these documents to them on approximately XX/XX/2020 and they promised to fix my account so that I could access my unemployment funds and they still haven't. I need my funds and I would like for the recorded calls and emails to be reviewed. The company appears to be uncouth. I feel that it was wrong to deny me access to my funds and for so long. I also feel that my privacy was violated twice. When they " investigated '' my phone number without my permission and when they demanded documents from me out of nowhere. 
Please assist as soon as you're able. 

Thank you, XXXX XXXX
Product: Checking or savings account

I had a saving account with BOA since late XXXX and minimum deposit was {$300.00} to avoid any low balance fee, i have been maintaining that fee since a long time, however BOA charged me late fee of {$8.00} for low balance, i talked to customer service rep on XX/XX/XXXX at XXXX and they were unable to waive the fee They told me that we upgraded your account to Advance saving whose min balance is {$500.00}, i told them i was never notified and BOA told me it was upgraded automatically this year and all the old saving account product was disconnected I tried to explain them that its not my problem, this was an upgrade from your end and you failed to notify me that you upgrading automatically which resulted in fee charge I requested to speak to a supervisor and after waiting 1 hour on line they disconnected the call, i called back but it was like 2 hour wait time
Product: Money transfer, virtual currency, or money service

I went to the Chase bank in XXXX XXXX off XXXX XXXX. It was XXXX and I went to put my rent and bill money into the ATM.. It was about $ XXXX {$1700.00} and after I put it into the slot, the slot closed, the machine took a long time to think and then printed a receipt that said " make sure your deposit went through ''. NO. It didn't. So I went into the bank. They said they don't have anything to do with the ATMS and gave me a number to call. I immediately called the number and they said the money would be in my account within 2 days, which is great because I needed to pay rent. I looked on XX/XX/year> which is 2 days after the event and I was still negative in my account. I called chase and they said it needed further review and would take 10 business days now. I needed to pay rent yesterday and I still have bills that are going past due now. They say there is nothing they can do. I left a review online and I am not the only one this has happened to.
Product: Credit reporting

Hello, I have been in dispute with XXXX account on my Equifax report, The accounts are as follows : XXXX XXXX XXXX ref # XXXX, XXXXI have filed a complaint with the CFPB regarding these account with no response from XXXX XXXX XXXX, I have attached the full communication between XXXX XXXX XXXX and myself. No validation has been provided and I want these accounts deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX because there was incorrect information on my account regarding a late payment of XX/XX/XXXX and not showing payments for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX disputes team said they were going to remove the late payment XX/XX/XXXX and again on XX/XX/XXXX but the incorrect payment remains there on Transunion and XXXX. In which it is heavy affecting my credit score. I wish receive the incorrect deleted.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SKOCKED TO KNOW THAT I HAVE BEEN A VICTOME OF IDENITY THEFT. I FOUND THIS ACCOUNT ON MY CREDIT REPORT THAT WAS NOT OPEN BY ME. THIS HAS BEEN HURTING ME AND MY CREDIT REPORT AS I AM IN THE PROCCES OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THAT FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT AS SOON AS XXXX XXXX XXXX XX/XX/year>. AND I AM ALSO ATTACHING MY DRIVER LICENSE SOCIAL SECURITY IDENITY TEFT REPORT AND UTILITY BILL. 
POSIBLE. THANK YOU