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

My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with XXXX  on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by XXXX formerly XXXX XXXX. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XX/XX/XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised XXXX  escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} Stafford Loan XXXX Escalations Dept.
Product: Credit card or prepaid card

PayPal Credit charged my credit account {$69.00} for a 1 year subscription to XXXX XXXX that I did not approve. 

I did not receive the 1 year subscription. I contacted XXXX to request my paid for subscription or a refund. I did not receive either. 

Several email to PayPal and XXXX resulted in no action from them. They sent a standard email reply that the complaint was resolved. It was not. I then sent, via certified mail, a formal dispute of the charge to PayPal on XX/XX/2018. I have received no resolution to the problem.
Product: Credit reporting or other personal consumer reports

My Information was exposed in 2 data breaches thru XXXX XXXX  and XXXX  on XXXX and XXXX XXXX XXXX on XX/XX/XXXX All negative items that I have been reporting inaccurate ; Identity theft on my credit report need to be removed Under section 605B this should not turn into a third-party dispute and should and required to be removed in 4 days of XXXX
Product: Payday loan

I am XXXX and have recently gotten into a financial bind. I have been using payday loans to the point to where it had to stop. I am going to use " Legal Advocates for XXXX and People with XXXX ''. They told me to stop payment on the payday loans and as soon as I could give them the 1st of 4 payments of {$62.00} totaling {$250.00} they would get started working with me. I went to my bank XXXX and had them to stop payment to CASHNETUSA, XXXX and XXXX. The money was still taken out of my account yesterday. I receive XXXX benefits of {$XXXX} every XXXX Wednesday of the month. XXXX sent an email stating that the amount they would take out was {$350.00} but actually took out {$330.00}. CASHNETUSA sent an email saying they were taking out {$740.00} for a line of credit of {$2000.00}. I told them I could not afford that so they changed it to {$240.00}. Well guess what!! They took out the {$740.00}. That left me with {$150.00} to last until I get my next XXXX check on XX/XX/2017. The bank refunded the charges for stopping payment but they said the reason the money came out any way was because the amounts were different than what the loan company told me. What is the world am I going to do now. I have bills to pay and ca n't pay them. Not being able to buy XXXX either. My Mom is XXXX and I ca n't even give her a gift. I called XXXX and explained the problem and they looked it up and told me to tell my bank to reject the money from being taken out and XXXX said they ca n't do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collectionsfrom your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Bank Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. 

XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 

XXXX ) Documentation that shows I agreed to pay this debt with my signature. 

XXXX ) The Agreement that grants you authority to collect on this alleged debt. 

XXXX ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by XXXX mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit reportor I will seek litigation for XXXX damages. 

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

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my TRANSUNION consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 


Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and realized I have 4 unauthorized credit inquiries. XXXX  has been reporting address where I have never lived or been affiliated with before. Notified credit bureau immediately and was asked to reached out to creditors for verification. I sent a letter as well as identifying information to Transunion and XXXX  and nothing has been done to resolve the issue. It has been more than 30 days and no one is helping in resolving this matter as I am aware they are not to report inaccurate information on me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made the payment on time as confirmed by the bank statement attached. 
A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XXXX I made ia complaint about NetSpend repeatedly allowing unauthorized payments from XXXX. XXXX took a payment of XXXX. Someone named XXXX XXXX XXXX XXXX XXXX  about filling a stop block payment form. I filled out the form sent it back. This was supposed to take care of the problem. XX/XX/year> NetSpend tried to take another payment. XX/XX/year> I withdrawed everything from my account to keep them from taking the payment. What was the purpose of me filling out the stop block payment for the same thing to happen again? Today XX/XX/year> XXXX got another payment of XXXX again. I want NetSpend to return the XXXX taken out in XXXX, and I want the refund of XXXX taken from my account XX/XX/year>. I don't want anyone from NetSpend to, contact me, I want my refund back. NetSpend has been totally negligent, about handling this situation and I'm tired of it. Now I know, no matter what NetSpend will still allow these transactions regardless how much you complain.
Product: Credit reporting or other personal consumer reports

I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all XXXX credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All XXXX bureaus are refusing to actually investigate and remove items.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$500.00} XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX  XX/XX/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 XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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.
Product: Credit reporting or other personal consumer reports

Experian committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. XXXX XXXX XXXX remains on my credit report even though I've reported the account was not mine. I provided my identity theft report as well. This is affecting my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for a Home Equity Line of Credit with XXXX XXXX XXXX, I noticed they performed 5 Hard Inquiries on my credit on the same date! XX/XX/2017. Totally unnecessary. These many inquiries affected my credit score. It takes 2 years for them to go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a copy of my credit report, however TransUnion has failed to provide me with a copy.
Product: Credit reporting or other personal consumer reports

This account is from XXXX XXXX  the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX  XXXX once XXXXXXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on Experian by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on Experian there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with Experian and this account being reported wrong
Product: Credit reporting or other personal consumer reports

In XXXX, my account on my car, which was totaled, suddenly showed as being sent to debt collectors. I was never notified there was a balance, and indeed never even informed that a transaction had finally gone through from my GAP agreement. I had contacted Toyota multiple times in the month since the accident to get a copy of my original sales contract in order to settle my GAP claim and was ignored each time. Then, the account was marked as closed and the remaining balance discharged. However, nearly {$2000.00} was reported as debt against my credit this month, dropping my score unfairly by XXXX points. Additionally, they have sent me on a run around through three different entities trying to get a straight answer, and have quoted me three different numbers for the balance owed. This is dishonest and sketchy, and I still don't have a straight answer. The best evidence I have is from the holder of the GAP agreement themselves, who sent me a document showing that all remaining charges on my Toyota loan were paid off. This situation is particularly interesting since Toyota recently had to settle a big lawsuit over this exact subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why Equifax and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

To whom it may concern, My name is XXXX XXXX. I am writing this email to forward a grievance towards Navient. This company has made it aware to me that they took over my government loans from XXXX XXXX some years ago. As of this time there is a XXXX XXXX with Navient due to Navient not helping student borrowers legally, and thus forcing them in further debt. I have spent many years fighting with this company. I have done my best to make monthly payments as required. However, there is a Private Loan I had to take out in XXXX  to fully help pay for college. Navient now has control over it and has refused to offer any financial help with this loan. I have been unemployed for over XXXX  months now and was forced to move due to poverty. I am unable to hold a job at this time due to a temporary XXXX. My XXXX XXXX was XXXX XXXX and I have a XXXX coming up this weekend that will further prevent me from working for another several months. As of this time I am broke, jobless and homeless. I am staying with someone at this time for help. I am in complete pverty and XXXX. I have contacted Navient for help but they refuse to offer any help for this private loan. Instead, they increased the loan to XXXX  % interest rate... This is cruel and absurd. I have had this loan since XXXX  and have been paying for it for over XXXX  years. Navient has been taking advantage of me over XXXX years and I can not find help. I have contacted Navient on multiple occasions and they refuse to help .... Navient also has several Federal Loans of mine that they refuse to put on " Government Payment Pause'.. I thought this was illegal.. I have recently learned of a class action lawsuit towards Navient about their Unlawful practices.. Here is the website link to the Lawsuit. https : //navientagsettlement.com/Home/portalid/0 I am begging for help, and Navient has taken advantage of me long enough! Please contact Navient and wave this private loan since I have paid more than my share and I have had enough of them taking advantage of me! I have an account with studentaid.gov. and they informed me to contact you! Please email or call as well. Please help..Sincerely, XXXX XXXX