23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is to express my deep dissatisfaction and frustration and to follow up with the continued failure to remove fraudulent items from my accounts, despite multiple attemptsthis being the many timesto address this issue. 

As a conscientious customer, I have diligently reported the fraudulent activities on my accounts and have provided all necessary documentation to support the investigation and removal process. However, the lack of progress and repeated oversights are both unacceptable and detrimental to my financial well-being. It is imperative that immediate action is taken to rectify this matter without further delay. 

Failure to address these concerns in a timely and satisfactory manner will leave me with no choice but to escalate this matter further, including seeking legal recourse and reporting the issue to the relevant regulatory authorities. With this, I am asking for your assistance to remove these fraud items in my credit file : 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

On XX/XX/2019, I initiated a SIMPLE dispute with Transunion regarding an incorrect credit card balance from XXXX. 

Since that time, 6 ERRONEOUS new hard credit inquiries have shown up on my Transunion credit report, dropping my credit score down to XXXX. Transunion will NOT process a new dispute on the FALSE inquiries until they are done researching my initial dispute of XX/XX/2019. It is now XXXX XXXX! This is damaging my creditworthiness. 

Furthermore, I have a medical emergency and asked for a credit increase with my XXXX XXXX account to cover medical costs. XXXX XXXX DENIED the increase based on other incorrect Transunion information on my report! ( Serious delinquency AND public record or collection filed in addition to Too few accounts currently paid as agreed! ALL of my accounts are paid on time!!! 
Please see the attached email from XXXX XXXX.
Product: Student loan

I have submitted a form to release a cosigner from XXXX of my XXXX Navient private student loans. I have met the requirements listed here, https : //www.navient.com/assets/pdf/Application-to-Request-Release-of-Cosigners.pdf and was denied a release of cosigner because my cosigner, not I, had made the payments. The information that I would have to make the payments was not made available to me. On a following phone conversation I was told it was because my credit did not meet their required standards. I inquired about the required credit minimum and told it was not possible to tell. I was unable to learn the requirements by talking to the Navient representatives. There is no information regarding this available on their website and it was not sent to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$120.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$230.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2020 a credit card from citibank Citi Cards was taken out with a limit of {$9100.00} and around {$8700.00} has been spent and has been a late payment. This is complete fraud I have nothing to do with this account Ive never used or opened up this credit card in my name. I put a Fraud alert on the credit report
Product: Credit card

I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly " free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this " free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received.
Product: Credit reporting or other personal consumer reports

All 3 credit bureaus continue to report inaccurate information in regards to my federal student loans balance. Mohela the student loan servicer and the Department of Education the student loan lender both have a XXXX balance on my account and have verified that my Federal Student Loans are paid in full through student loan forgiveness XXXX  program and that i currently have a XXXX balance. I do not owe {$64000.00} as stated on XXXX XXXX. This misinformation is causing me investment and financial problems with other institutions that I'm currently trying to do business with. I would like cfpb to investigate further into this matter as XXXX continues to display inaccurate information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the Zelle handling of dispute, partially enlighten of the recent CFBP the lawsuit, highlights significant issues with the platform, despite using Zelle numerous of times and reporting my problems. My financial Institute and Zelle failed to investigate my claim.. they informed me that receiving loss funds was impossible, and that tracking the transaction was infeasible XXXX. In the CFBPS finding indicate that Zelle has not only neglect to protect consumers, but has also allow repeated offenders to explore the system, leaving using vulnerable to scams, and thats totally not acceptable.
Product: Mortgage

Loan Servicer doubled my City taxes, as per letter received XX/XX/XXXX. XXXX, Tax Department have no record of such increase. submit all corrected documents via mail, several phone calls, issue has not been resolved. 3 months and continue. 

Paid insurance in full. They continue to withdraw monthly premium.
Product: Mortgage

On XX/XX/XXXX, approximately 3 days before closing MsXXXX XXXX XXXX provided me with an alleged break down of my loan payment information. She stated that my taxes will be {$7100.00} for the year when according to the County my taxes are currently {$1400.00} for the year 2021. 

Ms. XXXX is attempting to price gouge me and overcharge my taxes by {$5600.00}. She has been provided with the correct tax information and the county tax number for her reference and still she ignores the truth in an attempt to steal escrow. 


Her contact information is as follows : XXXX XXXX Home Mortgage Loan Processor ( SAFE ) Government Purchase Processing-VA, FHA NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX AZ XXXX XXXX XXXX Tel : XXXX ext. XXXX
Product: Credit reporting or other personal consumer reports

i filed an ftc identity theft report and a police report in which i have sent both to XXXX, experian and XXXX on the below accounts that are not mine and fraudulent. they refuse to remove them. I want them removed immediately. 

XXXX XXXX XXXX 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

I am filing this formal complaint against EXPERIAN and the entities responsible for the unauthorized credit inquiries on my credit report. I am requesting the immediate deletion of all XXXX inaccurate credit inquiries, as these were the result of identity theft and were made without my authorization, in clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n. The comma after each date represents a new inquiry each time my credit was illegally accessed. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. Unauthorized Inquiries : The XXXX credit inquiries, listed in my report, were made without my consent. Each date listed represents a separate unauthorized inquiry. This constitutes a willful violation of the FCRA, which prohibits obtaining a consumer report under false pretenses or without a permissible purpose. 

XXXX. Violation of 15 U.S.C. 1681n : Under this statute, any person or entity that fails to comply with the requirements of the FCRA is liable for damages. The entities responsible for these inquiries have willfully ignored the legal requirements, making them liable for both statutory and actual damages.

3. Violation of Gramm-Leach-Bliley Act ( GLBA ) : The financial institutions involved have also failed to comply with the GLBA by not providing me with the required privacy notices at the time of establishing a customer relationship. This law mandates that I be given the opportunity to opt out of sharing my non-public personal information ( NPI ) with non-affiliated third parties. The failure to provide such an option has unlawfully exposed my personal information to unauthorized third parties.
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 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 EXPERIAN 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 collection 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 account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

Tried to log in to my account online, received a message : = [ We locked your account to protect it from suspicious activity. To unlock it, call XXXX. ] = called the number XXXX, 3 times on XX/XX/2020, twice a silent answer after a long wait, then hang up on me, the third someone answered with noise in the background and a dog noise then hangup again very unprofessional, rude and disrespectful.
Product: Credit card or prepaid card

I purchased ( with Citi credit card ) some furniture from XXXX XXXX back in XXXX, XXXX. Was given delivery dates for this furniture. Merchant failed to deliver as scheduled, and after much back and forth, I cancelled the order ; never having received anything from this merchant. Merchant refused to reverse the credit card charge because they had no record of charging me ( later admitting this was their accounting error ). I then contacted my CC company ( Citicard ) and disputed the charge, with explanation. Citi initially removed the charge from my account. Over the past few weeks, a representative of the merchant contacted me via email and telephone and acknowledged the problem, and admitted that the merchant made errors in the transaction and they had no record of my credit card, despite charging me the full amount of the purchase. On XX/XX/XXXX, Citi notified me that their investigation was complete, and I was responsible for the charge. 

I have provided Citi with multiple documents outlining this situation, including my credit card receipt ( I was never invoiced for the goods ) and the email acknowledgement from the merchant that I am owed a refund. Despite this documentation, Citi refuses to honor my request for a full credit. 

I received absolutely nothing from the merchant, and as such I am deserving of a full and complete refund for the charge. I have spoken to numerous people in the " Dispute '' department at Citi over the past 2 days, they refuse to allow me to speak with a supervisor, and refuse to offer any further assistance with my issue. 

To restate, I was charged in full on my credit card for goods never received. Merchant has acknowledged the order cancellation, yet Citi refuses to reverse the charge ; in effect forcing me to be financially responsible for good never received.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for my transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my former employer had people apply for credit cards with 6 different companies that did Hard Inquiries at the three major credit bureaus. 
After contacting the six companies they all agreed I was a victim of a fraudulent application and notified the 3 Credit Bureaus to remove the Hard Inquiries from my credit report. They all did except Transunion who will not remove the hard inquiries even after being notified by the requestor they were fraudulent applications. I personally requested Transunion remove the following Hard Inquiries filed by : XXXX XXXX on XX/XX/22 and XXXX XXXX on XX/XX/22. Both companies claimed to have contacted Transunion to remove hard inquiry. 
Transunion just keeps bumping the solution date for another 30 days even though the requestor has identified the requests as fraudulent.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed that there was an inaccurate account that is not mine. I contacted experian XXXX and XXXX about the issue. But I have not gotten a communication from the third party XXXX XXXX XXXX that is allegedly saying I owe them which I have never had a contract with or done business with. 

XXXX XXXX XXXX is saying I owe them {$680.00} 15 USC 1681b Clearly states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer.

Thats aggravated identity theft 18 USC 1028A Because they have possession my information and they are also using it without consent from the consumer ( me ) 15 USC 6802 A financial institution may not disclose non public personal information to a non affiliated third party unless, They give me the consumer the opportunity to exercise the right to opt-out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX and XXXX XXXX. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; Impound Company call me and let in me know that this Vehicle has a Lien and is going to give back to the Lien holder XXXX XXXX  ; the value of this vehicle it was Over XXXX XXXX XXXX  never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

First I dealt over the course of nearly 1 year with XXXXXXXX XXXX XXXX other credit bureaus. The account is not mine! I wrote to the company 5 times and called then over XXXX times and they refuse to cooperate.
Product: Debt collection

ERC contacted my elderly parents at a number and residence that I have not lived at or used in over twenty years. They attempted to pump my parents for information about me but would not state who they were or what they wanted. I only found out that they were a debt collection agency through XXXX. This number and residence have never been associated with the account in question and I never gave permission to be contacted at this number by anyone.
Product: Student loan

I graduated college in XX/XX/XXXX, I started working as a teacher in XX/XX/XXXX. I had four kids with a {$46000.00} salary. I could not afford my student loan payment. I called them, they told me to put my loans into forbearance. I started XXXXXXXX XXXX  the following year, my loans were forced into deferment without my knowledge. I had no idea that I could have opted out of a deferment or that I would even qualify for a {$0.00} payment which would have counted towards my Public Service Loan Forgiveness. I heard about XXXX and that my payments could be {$0.00} so I contacted Fedloans again in XXXX. They told me that the best thing to do was consolidate my loans so I did. because of this, I am having difficulty removing the Deferment and Forbearance on my accounts from XXXX until XXXX which would allow my years of service as a teacher to count towards XXXX. I have proof of my income from XXXX until now. My payments were always eligible for XXXX and should have been {$0.00} per month. I should have 6 years of payments counting not 2 years. No one will help me, I have reached out to them through email, and XXXX. And, I can not get them on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. XXXX XXXX of my calculated consumer score comes from Payment history and by you reporting in-correct information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.
Product: Debt collection

To whom it may concern In XXXX i moved to XXXX from US. Beetween XXXX I live in XXXX. I only came to US for vacation. And i didnt receive any document from collector or Court. Our bank account was frozen on XX/XX/XXXX. ( with my husband ) My husband called the XXXX and XXXX company. The company emailed us a paper to release the account. And they never told us that we could defend ourselves. I signed the paper on the XXXX of the month and approved it from the notary. I sent the company by email. Our accounts were released at XX/XX/XXXX and {$6700.00} was withdrawn from my account for debt. On the XXXX of the XXXX, I received letters from the company and my bank separately. It is written in 2 separate letters that I can appeal. These letters were mailed to me on XX/XX/XXXX, when they guaranteed to get the money from me. 
The letters also say that if " my income is unemployment benefit '' they can not withdraw money. Even so, they withdrew the money. XX/XX/XXXX I went to the court concerned to vacated a judgment. XX/XX/XXXX was the result, Judge declined. Because my prove is to complicated. I will do clearly with my old passport. As a reason, I wrote that I was not in the US at the time, on the court date, and that my unemployment benefit was confiscated. Despite this, I was rejected. 
I complain about this company because they didn't tell me about my defense rights. What can I do legally, please help me.