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

My name is XXXX XXXX, and I just turned XXXX on XX/XX/2022. Today I went to check my credit, and I noticed 4 accounts that were opened under my name. I have disputed them all. Also one of them ( XXXX XXXX ) was opened before I was XXXX. I am not the owner of any of these accounts. I am just now learning what credit is, and I have not opened or applied for any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank in Ohio somehow got my phone # to tell me I am delinquent in payments on a bank credit card. I told them I live in NJ and have never had an account with them. When I asked what address they were sending monthly statements to, they refused to tell me but did say it wasnt MY address in NJ. I have used XXXX to send letters and opened disputes with XXXX and they are not doing anything except harassing me with phones calls. I even froze my information. Now and still, that is on my credit with still no resolution.
Product: Debt collection

Billing error corrected XXXX, 2016. I have {$0.00} balance. Rash Curtis & Associates knows this when I demanded proof of debt in XXXX XXXX, 2016. 

I just received a new letter ( XXXX/XXXX/2016 ) with new account number for the SAME DEBT that was disputed 6 months ago. 

THIS IS FRAUD AND HARASSMENT I am sick, sick and tired of this lethargy. I am seeking legal advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this option when I disputed this and it still has not been updated after more than 30 days. " Affected by a natural or declared disaster codes on your reports. All three major credit-reporting bureaus XXXX, XXXX, and TransUnion have these codes. I have requested through XXXX, XXXX, and Transunion but all have failed to provide any update or feedback on this requested dispute. I requested that a statement be added to my credit reports stating that XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX refused to allow me to enter into the Covid 19 relief program because I wasn't behind on my payments during the time I requested relief can ask a creditor to add it to my credit report. all 3 credit bureaus have blocked me from requesting this dispute to be filed again and or updated. 

Also, the credit bureaus do not allow you to access what was submitted. this was sent on or around XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX 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. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

overwhelmed in student loan debt can not find a career in the field of choice that pays a decent wage. will eventually stop paying loans to support my family better
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or XXXX15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX 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
Product: Credit reporting or other personal consumer reports

Failure to report accurate and factual information. 
Also failed to investigate ( even though they stated ) it verified. 
Violated my consumer rights via FCRA 623 ( a ) ( 3 ).
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX  and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit card or prepaid card

I had someone try to get a Credit card through Verizon shared account using my information and I didnt apply for it. I have a lock on my credit so no one should be able to give credit or run it but it seems thats whats going on with the back behind the card bc I got an email from some synchrony bank saying they wanted me to call them? I am not calling anyone bc I didnt want a card through Verizon and I dont want a hard hit to my credit for applying for something that I personally didnt apply for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX of attached doc shows XXXX ( XXXX ) monthly statements generated between XX/XX/XXXX and XX/XX/XXXX ; XXXX ) On p. XXXX of attached doc XXXX  for XXXX XXXX XXXX  defines the repayment period as the period over which successive monthly statements are generated whereby the lender and/or servicer mails the generated MONTHLY billing statements ; 3 ) An absence of billing statements generated implies no payment due for XXXX ; XXXX ) item XXXX ) is Corroborated on XXXX XXXXXXXX which shows XXXX XXXX own XXXX XX/XX/XXXX response to CFPB complaint XXXX and states : " Our office did not mail billing statements during the timeframe of XX/XX/XXXX, through XX/XX/XXXX, as billing statements were suppressed while the loan account payments were deferred. " ; XXXX ) Given item 1 ) and item 3 ), OR Given item 1 ) and item 4 ), OR Given item 1 ) and item 3 ) and item 4 ), a payment was not required for XX/XX/XXXX because the loan was in deferment ; XXXX ) Given item 5 ) and/or item 1 ), the date of first delinquency is not possible and thus needs to be removed from the account/tradeline.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2017, I submitted documents to Experian and XXXX  showing that I demanded debt validation from XXXX XXXX XXXX XXXX. Experian and XXXX concluded the matter by stating that the collection company claimed to have verified the debt. By law, the bureau and the collection company are suppose to have in their immediate possession, a contract with signatures from original creditor and consumer along with the consumer 's state ID. When the original creditor submitted the new account to the bureaus, they were suppose to provide the contract, application and ID to the bureau so account could be validated when/if it falls into a bad debt. Most original creditors have not provided these required documents to the bureau or collection companies that they sell debts to. Therefore, it is against the law for the bureaus to have these debts on consumer 's credit reports and it is against the law for collection company 's, such as XXXX XXXX XXXX, XXXX, to try to collect on a debt that they have no legal right to collect.
Product: Checking or savings account

WF closed checking and savings accounts and promised to send cashier 's check for available funds at the time of closure it's been over 4 weeks and when I called they didn't provide any information, still holding on my money and asserted if I don't receive it it may take another XXXX days
Product: Credit reporting or other personal consumer reports

There is an account reporting as XXXX XXXX XXXX XXXX on my report that does not belong to me. The company ( s ) continues to mark this account as verified without providing proof and documentation. The account does not match any information in my personal records ( ex. Address, accurate name, etc ). This account being listed on my file is violating my consumer right to accurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the Theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity theft Affidavit. Please delete the items as soon as possible.
Product: Vehicle loan or lease

I refinanced my car loan with Santander in early XX/XX/XXXX. The new loan with XXXX was established on XX/XX/XXXX, so I called Santander that day to ensure that my auto-pay was cancelled and that they would no longer withdraw from my checking account, and they ensured me it was. On my payment date of XX/XX/XXXX, they still withdrew {$510.00} despite telling me that wouldnt happen. When I called requesting a refund, they are incorrectly telling me it wasnt paid off until XX/XX/XXXX and that payment was still owed, despite cancelling auto-pay. They took the same amount for XXXX, and the check they sent me as a refund for XXXX, was not accepted by my bank when I tried to cash it. XXXX said they cant verify that it is coming from a legitimate source. Conveniently, my Santander information seems to have been cleared in their system as soon as I requested more details about my refund, so now I cant get past their automated system when I call. I have been completely bankrupt and had to pay most of my other bills late for these past XXXX months because of this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent Edfinancial a stating I was opting out of any and all authorization I the consumer may have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX Edfinancial reported XXXX installment loans to XXXX in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX Edfinancial reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of recent CFPB Lawsuit highlighting significant issues with using the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution zelle failed to investigate my claims adequately. The inform me that the recovery lost funds was impossible and tracking these transactions was infeasible. The CFPB finding that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  credit file was removed from all credit bureaus after dispute after glitch with  XXXX   XXXX  or Credit Bureau. Equifax credit bureau reinserted  XXXX   XXXX  without notice.  XXXX   XXXX  was also reinserted as a loan on my Equifax credit file.  XXXX  is a wireless company not loan company and should not be on my credit file.      **In  accordance with the requirements of the FCRA  as s tated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA  611,  Procedure in case of disputed accuracy  [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.    *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph  ( A ) , the information  may  not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.   Additional information.   As part of, or in addition to, the notice under claus e ( ii ),  a consumer reporting agency shall provide to a consumer in writing no later tha n 5 b usiness days after the reinsertion date.   ( I ) a statement that the disputed information has been reinserted ;  ( II )  the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; an d ( III ) a  notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.   I received no such notification.   This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Vehicle loan or lease

Ive been having trouble with Wells Fargo Dealer services, since 2013. I paid this loan off and they put on my report as a charge off and then for the past 5 years, Ive been trying to pay the amount they say I owed " {$310.00} '' and they wouldn't ever let me pay it. After years ans year of calling the customer services I finally talk to someone that wanted to help me, because they have my title and the lady on the phone says that they will send me a lien release and that the account is too old to pay. Its been very frustrating. I would like all of the Charge off and late pays removed from my file. I do have the lien realease and now I have to go request a new title and spend more time on this.This information is incorrect. 11- 30 day lates, 2- 60 days, 4- 90 days and 28 CO 's. I dont have a problem paying the {$310.00} they say I owe them. I want to get this resolved.
Product: Credit card or prepaid card

The credit card company Upgrade is breaking laws. They are not putting interests on statements and do not include all charges on the statements. They do not put your interest charges on the statements. Every time a payment is made interest is automatically charged to your account instead of once per month and it does not show the charge on your statement. This can be very confusing because you don't know why your account balance has gone up and your can't find the transaction that made your account go up, because they never put it on the statement. I always keep track of all my credit card accounts. And this account is hard to keep track of. One day your balance will be XX then the next day all of a sudden your balance has gone up with no transactions and it is the interest they charged but does not put it down. Your interest charges are no where in your statements or account. What they are doing is illegal and I think they are trying to scam customers. They never show you what your interest for the month. You have to do all the math to find out. You have to take last month 's balance, add all your transactions and subtract your payment to find out what extra amount was applied to your account ; which I can only assume is your interest. I don't know, because it doesn't say.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following unauthorized accounts and inquiries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. These accounts and inquiries are the result of unauthorized access to my personal information, and I request their immediate removal from my credit file. 
The following unauthorized accounts should be blocked and deleted : Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Amount : {$470.00} Inquiries : XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX  XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Trans Union, XXXX  and XXXX  to report 2 accounts that do not belong to me and also hard inquiries. 

On my Trans Union report : XXXX this has been reporting for years was open fraudulently by i believe a relatives that move to Texas. Also XXXX XXXX this account does not belong to me and has been reporting for years. Also these hard inquiries : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On my XXXX  Report : The same two companies, XXXX and XXXX XXXX and also these Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX 

On my XXXX Report : They recently removed XXXX but ignore my request to remove XXXX. Also these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hope you have better luck then me seeing that i have trying to get these fixed for going two years now.
Product: Payday loan

I TOOK OUT A SMALL LOAN AND PAID THEM OVER XXXX THEY WENT OUT OF BUSINESS ( XXXX ) I TRIED ON NUMEROUS TIMES TO CONTACT AND NOW THAT WE ARE TRYING TO BUY A HOME A SMALL LOAN IS NOW XXXX. XXXX WAS SHUT DOWN BY FEDS I READ SO NOW SOME GUY HAS BOUGHT THE ACCOUNT AND I AM TRYING TO SETTLE BUT THEY WILL NOT EVEN CALL ME BACK. I HAVE PROOF I PAID IT. IT TOOK ME AND XXXX XXXX TWO WEEKS TO EVEN FIND THEM THEY HAD SOLD IT SO MANY TIMES. THE INTEREST IS 97 %. THIS SHOULD BE ILLEGAL.
Product: Debt collection

I found out about the debt through a credit report. I called and mailed a letter to the company in XXXX of 2023 but haven't gotten a response.