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

DISPUTE RESPONSE!

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


AS OF XX/XX/XXXX Account name : XXXX  XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

DELETE THIS FRAUD ACCOUNT IT HAS BEEN OVER 30 DAYS!

IAM DEMANDING THIS AS AN FEDERALLY PROTECTED COMSUMER!!!
Product: Student loan

I had 4 student loans and have paid 2 off.

I have 2 more loans that I am struggling to pay. I placed them under bankruptcy 7 years ago but don't think they went through and have been paying on them.

I am struggling to pay them off and they increased my interest rate from 10.75 % to 11.50 %? Talk about crooked practices and unfair. It makes a person want to stop paying all together, what is the sense if they make it so unattainable.

There are thousands of complaints just like mine toward Navient yet NOTHING is done about these giants!

Government corruption at its finest!
Product: Mortgage

I have tried contacting my mortgage company loancare or XXXX services for months.Have n't been able to get in touch nobody ever answers.It shouldn't be this hard to pay my payment. I've read alot of bad reviews on this mortgage company.
Product: Credit reporting

I have disputed a {$230.00} cc charge XXXXAT on XX/XX/2016 on my XXXX card. They have not reversed out the the disputed item charge even after I provided the necessary documentation. XXXX keeps talking about a dispute charge with XXXX. I never disputed a XXXX charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint as a follow-up to my earlier one, dated XX/XX/XXXX, asking that the Experian and XXXX Credit Bureaus erase the false information they are reporting on my Credit Report. I was a victim of identity theft once more, and I'm asking to have the data associated with the fraud that was added to my credit report removed. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies must delete any information no later than four business days following the date of receipt. I previously mentioned this report and the false information in my complaint, and I'm doing it again. 
Also, the information that some Credit Bureau provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about the accuracy of the information the present on my Credit File. The following items must removed since these items were incurred due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX. The purpose of this complaint is to let the credit bureaus know that I will be suing them if they do not REMOVE the stated items from my record. My lawyer has been told of my plans, and they are eager to hold the Credit Bureaus responsible for their willful noncompliance.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - I, XXXX XXXX requested to opt out of Early Warning data collection and sharing services. https : //www.earlywarning.com/ & Early Warning Services , LLC refused to remove me and delete all data collected on me.
Product: Debt collection

National Recovery Agency reported a collection account on XXXX which they said occurred 5 years agofrom XXXX XXXX XXXX, a XXXX company. I sent XXXX XXXX XXXX emails regarding this and had no response. I called them and was told that they have no record of this transaction. I have never done business with XXXX XXXX XXXX. 
I spoke with XXXX XXXX at National Recovery and had no resolution even after I emailed them a request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX  XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights. 
15 U.S.C 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish account without my written instructions. 

XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

First National Bank of Omaha is engaged in deceptive marketing practices. They are sending out mailers that appear to suggest the consumer is receiving a pre-approved credit card application. Only once the " invitation '' application is submitted on their website do they actually disclose the fact that they are going to review the application instead of immediately approve what appeared to be a pre-approved offer. The consumer suffers a hard inquiry on their credit report and does not receive the promised credit card.
Product: Checking or savings account

date : XX/XX/XXXX a deposit in the amount of {$5900.00} into my cash app however I had no XXXX  information until XX/XX/XXXX of this deposit from the IRS, which at that time my cash app account was closed. Please help me locate my funds
Product: Bank account or service

We had a terrible experience with Wells Fargo fraud protection. They did not protect us AT ALL. In XX/XX/2015, my husband and I accidentally wrote and mailed XXXX rent checks to our landlord, XXXX each. We notified them and asked them to cancel the XXXX check when they received it, or to hold it until next month. On XX/XX/2015, I viewed the checks online. XXXX had been withdrawn from our account. I noticed that XXXX had been altered. The payee name had been changed from our landlord's to a name that was unfamiliar to us. Our landlord informed us that they never saw the XXXX check, and that they were also unfamiliar with the altered name. I called our bank, Wells Fargo, on XX/XX/2015 to report the fraud. I called again to check the status of the claim on XX/XX/2015. We also reported the fraud to the XXXX Police Department and were assigned a case number. We were given a claim # by Wells Fargo and submitted an affidavit to them on XX/XX/<YYYY> Wells Fargo did NOT return XXXX to our account. We were told that the bank that cashed the check was responsible for restitution, and that we had to wait for Wells Fargo's claims department contact them and obtain the money from them. We were told that this process could take a couple of months. Every month, we called to follow up, and Wells Fargo kept telling us the issue had not been resolved yet. Finally, we called Wells Fargo on XX/XX/2015 and they told us that the claim had been closed in XX/XX/XXXX (they made no attempt to contact us about it) and they would be unable to restore the XXXX to our account. We are extremely disappointed in Wells Fargo's fraud protection policies and will be moving to another bank soon. We do not feel valued as their customers. We have been telling our friends and family about the situation to warn them not to choose Wells Fargo as their bank.
Product: Student loan

we have XXXX loans from XXXX XXXX - now Navient we have tried to get loan forgiveness, low payment options and /or lower interest rates we have been turned down multiple times. We went to a forbearance company thinking they would take the loan at a lower cost only to find out we still have to pay the loans and the other company as well. Navient harasses us for payment when we should n't be paying on the loans, none of our phone calls are documented nothing gets document when you call. We need help and no one is willing to help. we can discuss this in further details if we can get a call from someone on your end.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to ( FCRA ) 15 USC 1681i ( 5 ) Equifax will and is playing games with me and is hindering me from moving forward with buying a house and being able to get my background report to pass. I want for them to stop playing theses games and remove all theses accounts. I spoke with someone on Equifax end they flat out told me that CFBP don't and will not make them do nothing and for me to keep reporting inaccuracies. Please is you look below theses are the games they are playing using all the stall tactics. I have sent certified letters and even submitted information attached below numerous of times. How is it a violations and they keep getting away with this.
Product: Credit card

I have two credit cards with Capital One. I found out Capital One closed both yesterday. The representative would only provide a generic response about why it may have been closed. I have not purchased anything on it that would go against a credit card 's intended use. I asked about receiving or transferring the rewards I've built up, and she told me I could not have them.
Product: Prepaid card

I opened a credit karma spend account through XXXX XXXX as a way to get my tax refund quickly. I had about {$700.00} left in the account when on XX/XX/XXXX I noticed a " XXXX XXXX '' transaction alert come through the credit karma app. It appeared my account was hacked so I froze my card, called and immediately changed my password. I received my new card and still ( as of today XX/XX/24 ) have not activated it. The XX/XX/XXXX amount was for {$89.00}. I put in to dispute it and thought everything was fine. On XX/XX/XXXX there was an attempt to transfer {$5000.00} from my bank account to the credit karma card, which was declined by my bank. On XX/XX/XXXX there were three fraudulant transactions- a XXXX XXXX transfer for {$190.00}, another XXXX XXXX transfer for {$280.00} and a XXXX XXXX XXXX XXXX for {$100.00}. On XX/XX/XXXX I called credit karma and asked to file a dispute and spoke with a representative. I couldn't figure out how money was being transferred as the new card had not been activated. It wasn't until we got into the conversation that I realized that the MOBILE CARD hadn't been changed and it appeared whoever had hacked my account still had access to it. I also asked to unlink my bank account at that time as I couldn't have a potential threat to my actual bank account. The representative assured me it would be taken care of and helped me through the dispute process. On XX/XX/XXXX I received a notice that all of my disputes were denied and that " no error occurred. '' This is not the case as the mobile card should have been changed when I Called in the first time stating my account was compromised. How can I dispute this further?
Product: Credit reporting or other personal consumer reports

I was a victim of Equifax data breach my reports are showing innacuracies and need to be removed from credit report I did not reside at this location. 

I have attached the screen shot from my credit report a long with screen shot of my data being sold and traded without my consent.
Product: Credit card or prepaid card

XX/XX/XXXX Hello, I have a Citi XXXX XXXX Advantage Executive mastercard, primary purpose is for travel benefits that include : Access to XXXX  & affiliated lounges in airports, free access for spouse/business partner to XXXX  & affiliated lounges, 1 free bag checked, international purchase preferred exchange rates & fees waived. 

I'm a 7 year customer, excellent credit and paid {$450.00} annual fee for this card in XX/XX/XXXX. 

Given the impacts of Covid starting in XXXX/XX/XX/XXXX - I'm not receiving any of the above benefits I paid {$450.00} for on this mastercard. XXXX  lounges have been closed which is the primary benefit of this card, airlines have reduced flight options, corporate travel has been locked down and personal travel is not recommended or very possible especially internationally given Covid. 

XX/XX/XXXX I called and requested Citi refund or prorate refund the {$450.00} fee I paid as they acknowledged on the call the benefits of the card are unavailable due to Covid. They refused only offering to provide a {$220.00} refund ON THE NEXT {$450.00} I would pay in XX/XX/XXXX. This is ridiculous, I paid a {$450.00} for benefits they are not providing and my fee should be refunded for the current card renewal term that I'm not receiving those benefits I paid for. I advised I would speak to my wife, but that this felt very unfair and improper as a business practice and that we may choose to cancel the card. 

XX/XX/XXXX this past Friday I called again escalating the issue and ultimately they said nothing more could be done and only offered the same option to provide a credit next year AFTER I paid an additional {$450.00} fee to renew the card again for XX/XX/XXXX-XX/XX/XXXX. I cancelled the card advising them we would not chose to ever do business with Citi again given how they are handling this matter. 

This is unacceptable in my mind, unfair and frankly a dubious business practice to not make an adjustment for the the {$450.00} I paid for benefits Im not receiving XXXX. 

Please help.I would expect a {$450.00} refund of the annual fee I paid given I'm not receiving any of the key benefits this " travel master card '' advertises or promotes due to Covid and XXXX XXXX which is out of my control. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. XXXX XXXX, Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX XXXX. XXXX XXXX, Account # XXXXXXXX XXXX XXXX  account # XXXX XXXX. XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. ASLO, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. it is my right!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not XXXX  until XXXX XXXX. I did not have access to the internet while XXXX.
Product: Student loan

This account has already been paid based on a bankruptcy filing. It is no longer owing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following hard inquiries on my credit 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 XXXXXXXX XXXX XXXX I did not authorize these inquiries and I have no business relationship with these creditors. These inquiries have negatively affected my credit score and I request that they be removed from my credit report immediately.

According to the Fair Credit Reporting Act, you have 30 days to investigate and respond to my dispute. If you can not verify that these inquiries were authorized by me, you must delete them from my credit report. Please send me a written confirmation of your actions and an updated copy of my credit report. 

Thank you for your cooperation and prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint about the same issue. When I originally reviewed my report, I found 9 inquiries that I did not recognized and by the time I was able to file the complaint, it increased to 24. Today I found 32 total inquiries that were not done by me on my report. I have no knowledge of them at all. This has got to stop!!! This is affecting my credit score drastically. My original complaint has already been closed by XXXX and none, I mean not one of my issues were addressed at all. I am a living human being, I have right under 15 U S C 1681. The three credit bureaus are governed by this code but yet they are not abiding by it. They have violated my rights numerous times and the CFPB is letting them get away with it. I demand the accounts listed below, be removed from my credit report. According to 15 U S C 1681, I have the right to privacy and I did not give XXXX, XXXX nor Experian, written permission to furnish these accounts. 

XXXX XXXX EXPERIAN 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

I disputed the previous address information Equifax has listed. I explained in the dispute that these addresses are not related to me and my current address should be the only on listed. Equifax continues to report this information keeping me exposed to fraud. 
Also I have documents from XXXX stating the account they have listed on my profile should be removed. Please update and delete these items right away.
Product: Debt collection

I TOOK OUT A LOAN WITH XXXX AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO CAPITAL MANAGEMENT SERVICES. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND CAPITAL MANAGEMENT SERVICES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX