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

CFPB + TransUnion, This complaint is in relation to a credit account this creditor XXXX Bank XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Product: Checking or savings account

Chase closed my business account that I had opened for over 10 years for supposed compliance reasons. They asked me to come by so they could copy my DL. I stopped by at the end of XXXX at a local Chase branch and provided my DL which they scanned and told me I was all set. A few days later my account was restricted and sent to closure at which point my Chase business account rep could not do anything but have me open up a new account. I opened up a new business account and waited patiently for my $ XXXX funds to be distributed from my old account to deposit into my new account. After many emails, phone calls with my local Chase account rep, the local manager and Chase cooperate customer service, I still have not gotten anywhere. It's been over a month, and I found out today Chase fraud and compliance department lied to me two weeks ago when they told me my check was mailed on XX/XX/31. After my local branch spending hours trying to get to the bottom, they found out a check was in fact never mailed. Now they need more " documentation '' proving that I live at my address that I've lived at for over 10 years since my account has been opened. I provided my DL that has the same mailing address back in XXXX and they still need more information. I don't understand how any business can operate having their account be restricted, closed and no access to their funds for almost 3 months now. This is absolutely outrageous that Chase would withhold money for such an unreasonable and extended amount of time and continue to bounce both the client and its employees from one department to another giving them all a run around as to why the funds have yet to be released.
Product: Checking or savings account

My card was taken back in XXXX I disputed chargers I was given a provisional credit and they denied my claim and have taken credit back. They refuse to pull up ATM footage. They claim I authorized transaction bc whoever has my pin but my pin was mauled to me as well. My account is XXXX  error drawn by XXXX and bow they have taken my check and put it towards overdraft
Product: Payday loan

I got a loan back in XXXX of 2016 and I was making payments but had a change in my finances and told them I cant make the required payment and they continue to call my job everyday when my manager told them they could not contact me here causing me to get in trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are addresses and employment information on my credit report that are inaccurate. I will like them removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 )  bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I wanted a net spend card because I moved into a new state and has. No identification for employment purposes. I asked a friend to order the card usinf her address but u never received my netspend cash app or pay pal card
Product: Credit reporting or other personal consumer reports

I believe the information is inaccurate due to a data breach that I was affected by, which has caused fraudulent activity on my accounts. The breach has led to unauthorized transactions and accounts being opened in my name, resulting in incorrect and damaging information on my credit report. 

I appreciate your prompt attention to this matter and expect a response within the 30-day period as required by law. Please confirm receipt of this letter and keep me informed about the investigation 's progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # 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

To whom this may concern, I am writing to exercise my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically per 15 U.S.C. 6802. As a federally protected consumer, I hereby opt out of any and all authorizations for the sharing of my nonpublic personal information that I may have previously provided, whether those authorizations were given in writing, verbally, or implied through my actions or inactions.

This includes, but is not limited to, any consent I may have provided for the sharing of my personal financial information with non-affiliated third parties. I request that you cease sharing my nonpublic personal information, except as required by law. 

Please confirm in writing that my request to opt out has been processed and provide any further steps I need to take, if applicable. 

Thank you for your prompt attention to this matter. 

I look forward to your confirmation that my opt-out request has been honored. 

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

After learning that some of my personal data was being utilized without my consent when I searched for my name online, I filed a complaint. My information was obtained by an aggregation website, which instructed me to first read the website 's FAQ section before getting in touch with roughly XXXX other websites to have my information removed. The fact that I had to ask to have my items taken made me feel ashamed in addition to feeling invaded because I respect my privacy. I want the bogus accounts that were added without my permission to be erased from my report. From my credit report, delete all fraudulent and negative accounts. My capacity to get credit has suffered because of this. All I can, I'm doing it.
Product: Student loan

XX/XX/XXXX I received a call from Navient that I returned the following day while at work. The woman from Navient that answered my call told me that they needed the death certificate of my grandmother whom was my co signer on my loans. I understood that and said I would obtain this information. She then proceeded to tell me that my loan repayment plan - which I have been on since XX/XX/XXXX and have been making faithful, regular, payments in full without failure despite the hardship it costs me - apparently expired effective XX/XX/XXXX. She said that " If you answer a few questions I can help rectify this situation '' she asked me questions about certain monthly expenses I incur every month. I told her I was at work and could not answer these questions accurately without my statements at home. She insisted I answer her limited questions and I did so. She then tells me my " new plan application '' is denied, that I no longer can pay the $ XXXX/month that I have paid since XX/XX/XXXX, and that now must pay $ XXXX/month on my loans. She quickly noted that I can not appeal this determination. I was irate and went home and called Navient back with my expenses in front of me. XXXX ( Employee # : XXXX ) told me the same information and stated that unless I provided Navient with 3 months of bank statements, I can no longer pay my usual amount. Time and again I have told Navient that I simply can not afford to pay anything more than $ XXXX/month on my loans or else it will create a severe financial hardship upon me ( which it did the first time Navient misinformed me about my loans ). This has fallen upon deaf ears. I am a recent college graduate and earn XXXX / month. I incur {$1400.00} in expenses each month and that does not include the {$450.00} for my loan. After I pay my loan, I 'm lucky if I have even {$50.00} to myself to enjoy my life. I have nowhere else to turn to.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, no statute of limitations SEE MY WEBSITE XXXX XXXX XXXX XXXX XXXX XXXX NELNET and Navient I have four borrower defense cases with the United States Department of Education against both of these lenders and the games that they have played with my information ( OBSESSED ID THEFT ) down to preventing me from getting my masters degree. Ive applied at several schools. They accept me and then turn around and compromise my ability to attend and slap me with all kinds of loans that were never paid to me, and now I cant even attempt to even attend any college because theyve done so much damage to my credit report theyve done so much damage to my identity. Its been all this internal ID theft, and they will not do anything right XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VICTIM COMPENSATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX XXXX XXXX XXXX US DEPT OF TREASURT | FEDERAL CORPORATE FINANCIAL FRAUD | XXXX & ALL CRYPTOCURRENCIES XXXX XXXX XXXX XXXX FEDERAL OMBUDSMAN | BORROWER DEFENSE CASES | US DEPT OF EDUCATION | NELNET Studet loans XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX CT, XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX 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 PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

The original creditor XXXX XXXX XXXX XXXX in XXXX, South Carolina cashed a check I wrote for {$300.00} for a pet deposit. However they sent me to collections saying I owe {$340.00}, not factoring in or including my previous payment. My account was handed over to NATIONAL CREDIT SYSTEMS where they inquired about payment of this {$340.00} in XX/XX/2017. Later in 2017 I sent them an official letter disputing the charges, saying they were not valid, and requesting proof of debt. I also sent them proof of my check cashed by XXXX XXXX XXXX. They did not/have not responded to me since. However the collection debt is still open and on my credit report, and negatively affecting my credit score. 

Since I have requested proof of debt, and since I have provided proof of payment, the creditor should comply with these requests.
Product: Credit card

I 'm handling the estate of XXXX XXXX XXXX. I know he has a balance due to Wells Fargo for a credit card, but I do n't know the amount. I have called and tried to reach a human there to no avail. They leave me messages from the " Deceased Management Office '' with Reference No. XXXX, and they tell me to call ( XXXX XXXX XXXX. When I call, I wait on hold and no one ever picks up my call. I 've waited as long as XXXX and 20 minutes before. I want to close this estate, but I have to pay all the creditors first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments every month on a close collection account i reported this account to CFPB last year and the collection responded that this account was closed.. I disputed this account numerous time they are still reporting late payments every months and up dating the balance XXXX deleted this account but Experian does not want to delete this inaccurate account that is in violation to the CFPB. 

Company name XXXX XXXX XXXX XXXX number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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

I've tried to rectify the issue with the third party creditor but they refuse to follow the law. in the past what papers were mailed to me THAT DID NOT BARE my signature of any kind that gave my express permission nor right to collect any debt from me. 

From : XXXX XXXX To : Midwest Collections XXXX Subject : NOTICE OF DISPUTE AND DEMAND FOR VERIFIED DOCUMENTATION FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) FAIR CREDIT REPORTING ACT ( FCRA ) ACCOUNT NUMBER : XXXX ALLEGED DEBT : XXXX To whom it may concern, This is XXXX XXXX writing in regards to the unpaid debt on the derogatory account listed above, which I intend to dispute and attempt to correct your records. By sending this letter I both dispute the validity of this alleged debt as well as the validity of claims against me. Please be aware and understand that any and all information that I receive from you will be used and collected as evidence should any further actions be necessary. Also be aware that non-compliance with my request could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of alleged debt or competent evidence that bares my signature that shows I have a contractual obligation to pay your company. 
I hereby DEMAND that your company provide me under penalty of perjury with the following verified documentation : 1. Both front and back of original alleged contract/ agreement/ promissory note in its entirety, including any application. 
If requested files cant be provided then your claim violates 15 U.S. code 1692 and U.S. code 1592 and I demand that the claim of alleged debt owed be removed from all credit bureaus in 30 days of the XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within XXXX  days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 

XXXX XXXX XXXX XXXX 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, I began making purchases of digital currency in or around XXXXXX/XX/ using a JP Morgan Chase-issued credit and debit card. In XX/XX/XXXX, I made another purchase of digital currency in the amount of {$250.00} using my debit card. On XX/XX/XXXX, I was charged a {$7.00} service fee for a non-ATM cash fee relative to the {$250.00} purchase. I was not informed by my card issuer that I would receive penalties for purchasing a digital currency asset. I do not believe these are fair practices. Im certain other consumers have been affected.
Product: Debt collection

Please be clear that I dispute this debt I am requested verification and validation of this alleged debt. I am also requesting investigation into this alleged debt. 

Account info listed on consumer report : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - XXXX, Equifax, and XXXX. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : XXXX XXXX XXXX XXXX XXXX  ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

XXXX XXXX XXXX ( XXXX  ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

XXXX XXXX XXXX ( XXXX ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.
Product: Debt collection

I received notification that my XXXX XXXX XXXX subscription was about to Expire. I did Not send Notification back to the Subscription company that I DID NOT wish to renew my subscription. The Magazine renewed my Magazine Subscription anyhow. I REFUSE to Pay for a Magazine that I Did NOT Order. I have tried to call the Debt Collector Three ( 3 ) times and have not gotten them to answer their phone yet. So I am Done with them Period. Thank you, XXXX XXXX