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

I have been requesting the credit bureaus XXXX, Experian and XXXX to remove outdated accounts from my report now for over 5 months. This is causing major problems with my credit scores as these accounts are now outdated and outside of the Statue of Limitations for the State of Florida. I have sent several letters and copies of my credit reports to the bureaus to prove this matter and even sent these request to the collectors directly. Some have been deleted as request but a few are still reporting with no response as to why these have not been address since they are clearly outdated. There are XXXX others accounts. XXXX was already paid and still showing a balance and the other has no info on who the collector is or how I could attempt to investigate. I have requested this to be updated and asked the collectors to validate these dates as of yet, no response have been received neither from the bureaus or collectors. At this point, I don't know what else I can do to have this corrected on my reports. I read online that I can submit a complaint here as I simply have no other options. Please help me with this matter as this is causing me issues with my employer and future purchasing options. 
I thank you in advance for your assistance and response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX   XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX   Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX   : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX XXXX   Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX   : XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX )
Product: Credit card or prepaid card

Wells fargo accepted my 1st payment of XXXX via XXXX  saving/prepaid gov card. Now that I owe XXXX they XXXX  refusing XXXX accept payment unless my act goes into default. This is not acceptable! It is in good standing and I needXXXX have it that way as I am applying for mortgae housing so much as XXXX  doing may make me loose the home XXXX am applying for. These XXXX  their typical ussuary playbook tactics they XXXX notorious for. They must take payment from me from an acct they've already accepted payment from and stop playing these games
Product: Student loan

I am being harassed by Navient, I 'm being called 10 to 12 times per day and evenings, by several different phone numbers..My loans were consolidated in 1997, at nearly 8 % thats 20 years ago. I asked XXXX XXXX 10 years ago if they could reduce my interest rate being charged, when loans were at 3 1/2 percent, however was told if I borrowed more it would reduce interest rate on what I borrowed only. I have applied for a forbearance or deferment, however was told that i 'm NOT eligible. 
Income/sensitive reduction of payment OR ALLOW LOANS TO BE DISCHARGED TOTALLY IN BANKRUPTCY LIKE OUR NEW PRESIDENT ELECT DID ON SEVERAL LOANS. 
THE STUDENT LOAN INDUSTRY IS ONE OF THE GREATEST CONS TO REACHING THE AMERICAN DREAM ILLUSION.
Product: Debt collection

I am in the XXXX XXXX XXXX. According to XXXX, I Can't be charged for XXXX deductibles, coinsurance, and copayment. 
I received collection notice from a provider attempting to collect amounts that XXXX statement indicated that I did not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citizen Bank - XX/XX/18 Fraudulent loan attempt. 

Contacted company informed to contact XXXX, XXXX, XXXX Loan request was not submitted by me. 

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

accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 
accordance with the Fair Credit Reporting act. XXXX Account # XXXX has violated my rights. accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

As expected, CFPB and EQUIFAX have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please REMOVE the accounts completely : XXXX XXXX, XXXX XXXX
Product: Prepaid card

I attempted to use my American Express XXXX card with a balance of {$320.00} to pay for multiple bills but was declined every time on several occasions. I attempted to use the card to pay my XXXX phone bill, my XXXX XXXX XXXX XXXX XXXX and my XXXX XXXX water bill all for amounts less than the {$320.00} balance. 

I called American Express and was told that my card was declined for security purposes to prevent fraud. I provided my own information to say that it was definitely not fraud and I was using the card to pay off several bills but was told that I would have to simply keep trying. This is inexcusable as I am unable to use my card ( I would love for a fraudster to pay off my bills ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I had a teen checking account with Wells Fargo Bank in XXXX of 2023. I was underage but running my own, successful cottage business ( baking ). I was suddenly involved in a fraud situation ( several Wells Fargo customers had been victims of the same scammer ) where an individual drained/overdrafted my Wells account by about {$3000.00}. My mother was also named on the account since I was underage. After months of deliberation, we settled with the bank a Wells representative offered us the option to share the responsibility so we made good on the money owed ( about {$1500.00} ) and the representative NEVER suggested that this settlement would cause longer-term problems. But Wells and other institutions have flagged me and my mom through Early Warning Services and not one will let either of us open accounts. This is disastrous for a new college kid with a good and responsible track record. I cant get on my feet without having a basic bank account. We have submitted disputes through Early Warning Services and Wells returns to say they will not overturn the flags. EWS then recommended we reach out to FTC and CFPB in this matter. All I want to do is get back on my feet with a bank account. We are not dishonest people. I pay my bills, work hard and have proven myself to be a successful and responsible individual. Some person took advantage of me and my financial health is compromised simply by way of the inability to open a basic bank account. I am desperately hoping to find help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRE XXXX XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX BK XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

I purchased i car with Carvana on Sunday, XX/XX/2023. Upon making the purchase i paid a down payment of {$2000.00} which Carvana processed the funds out of my bank account on XX/XX/2023. I have signed a contract agreement for the vehicle with Carvana and was told by one of Carvana representatives that I was good to go all my documents are uploaded they just needed proof of insurance and once I upload the proof of insurance i will get a link verifying my pickup time to pick the vehicle up from the vending machine. I scheduled to pick it up on XX/XX/2023 at XXXX. I was told that someone will meet me at the machine to help me retrieve the vehicle. This was told to me right after we did three way calls so they can verify the deposits and transactions coming in and out of my bank account which i feel is very invasive and none of their business what I spend my money on what funds I have coming in and going out of my bank. The three way calls were done and soon as i hung the phone up from the three way call Carvana snatched my down payment out of my checking account. I have provided Carvana proof of my bank statements per my business, check stubs from both jobs, EIN proof for both of my business, tax returns, and Articles or Organizations for both business. I was approved for the car and was sent a contracts to sign. After being told yesterday XX/XX/2023 that everything was a go i just need to upload proof of insurance I went out today XX/XX/2023 and got full coverage insurance that of course was more funds spent on this vehicle. I uploaded the proof that the vehicle is insured since they will not allow you to pick up the vehicle without insurance. Once that document was uploaded i get a call right when im at work and close to the end of business hours that they need to do a three way call to my bank to verify employment. Mind you this was done twice yesterday XX/XX/2023. I explained to them i was at work and i could not talk at the moment i was told by XXXX i loose the car but they have a signed contract with me, they have my money, and all my proof. At the last minute they have lied and reneged on their end and is not holding up their end of the bargain to deliver the car as promised. I have provided proof of the rep giving me the green light, proof of all task being checked off, and proof of them processing my down payment. But they are refusing to release the car when the contract has been signed.
Product: Student loan

My student loans were transferred to Mohela several months ago. On XX/XX/XXXX, I submitted a consolidation application and an income driven repayment application ; both of which are still " in review '' per studentaid.gov. 

For years, I have qualified for income driven repayment and my income has not changed so I do not anticipate it will change this time. However, Mohela has me schedule to start paying over {$700.00} a month beginning XX/XX/XXXX. This is half of my monthly income, if not more. 

I can not reach a representative at Mohela due to extended wait times that I can not accommodate. I have submitted complaints with Mohela and XXXX, but the due date is fast approaching and I can not afford the payment they are seeking. 

Sending a bill for a loan that has an incomplete application is unacceptable and feels fraudulent.
Product: Credit reporting or other personal consumer reports

Accounts are closed and were sold to another company without my consent which is identity theft I want them removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XX/XX/XXXX
Product: Debt collection

Kramer & Associates is contacting co-workers, family and friends who are not listed as references anyway. They disclosed to my mother that they were a collection agency ; they have left messages on my work phone and continually harass my cell phone.
Product: Checking or savings account

I opened the account due to a {$400.00} promo ad I had received from Regions. Account was opened on or around XX/XX/2021. I received a welcome email from a relationship manager on XX/XX/2021. 

Regions is denying me the promo because I did not make the transaction in 30 day period and that I was late. However, the lateness is not due to my fault as there were issues with Regions Bank and/or USPS that were outside of my control. 

First off, I did not receive the debit card on time. I received my debit card around XX/XX/2021 which reduced the number of days I had to make the required number of transactions. With there being COVID, I could not leave the house either to make my regular purchases. 

Second, realizing that I would not be able to leave the house, I made 17 small transactions to fulfil and exceed the limit set by Regions for the number of debit transactions. However, unknown to me, while the transactions were made within the 30 day period ( and 12 days if you count the time since I received the debit card ), Regions bank did not post those transactions until after the deadline had crossed. 

I am attaching screenshots of transactions I made showing that the merchant processed those transactions on time. 

I am attaching screenshots of transactions showing the transactions were made before the deadline. 

I have asked Regions bank to reconsider the denial and escalated the issue also but it was denied due to a 'banking regulation '. Based on my experience, there have always been exceptions specially when the card itself arrives late. I hope you can ask Regions Bank to reconsider the denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion dispute items on my credit report. They sent me a copy of my credit report and to have items removed, inquiries that I did not make. I had three XXXX  and I'm not really savvy that computer I appreciate your help
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. 

XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX 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 an 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.
Product: Debt collection

1. ) Original creditor ( XXXX XXXX XXXX has been accepting payments ( and payments were made ) prior to debt in collection. I have repeatedly advised Capital Accounts that payments were being made to XXXX XXXX 's office and they were accepting the payments. 

2. ) I have paid {$650.00} of the original {$1300.00} 3. ) They keep calling my home after they have been instructed to cease communication. 

4. ) They are trying to charge interest, now, when the original debt is for dental procedures, which were NOT financed, and there is no signed agreement for interest with the original creditor.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am filing a complaint against Equifax and XXXX XXXX XXXX regarding the inaccurate reporting of a collection account on my credit report and the failure to validate the debt. 

Complaint Details : Account Information : Collection Agency : XXXX XXXX XXXX XXXX : {$570.00} Original Creditor : XXXX XXXX Background : XX/XX/year> : I mailed an initial dispute letter to Equifax regarding the collection account reported by XXXX XXXX XXXX. 
XX/XX/year> : I sent a follow-up dispute letter via certified mail to Equifax, XXXX my request for verification and investigation of the account. To date, Equifax has not responded to either letter. 
Violations and Relevant Laws : A. Equifax : Failure to Investigate Dispute ( 15 U.S.C. 1681i ) : Equifax has not responded to my dispute within the required 30-day period, failing to conduct a reasonable reinvestigation of the disputed account.

Inaccuracy of Reporting ( 15 U.S.C. 1681e ( b ) ) : Equifax has not ensured the maximum possible accuracy of the information on my credit report. Their failure to address the dispute suggests a lack of adherence to the accuracy requirements. 
B. XXXX XXXX XXXX : Failure to Validate Debt ( 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ) : XXXX XXXX XXXX has not provided validation or verification of the debt, including proof of ownership and authority to collect it. This constitutes a violation of their obligation under the FDCPA. 
False or Misleading Representations ( 15 U.S.C. 1692e of the FDCPA ) : XXXX XXXX XXXX 's inaccurate reporting, particularly the false claim of being the original creditor, violates this statute. I have never had a contract with them. 
Requested Actions : If these issues are not resolved within 30 days from the receipt of my certified letter ( by XX/XX/year> ), I will consider pursuing legal action for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have also filed a complaint with the Federal Trade Commission ( FTC ).
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX AND XXXXand have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Product: Money transfer, virtual currency, or money service

I use PayPal as I have for years. I decided to open a Venmo account because they are subsidiary companies. So I go through the process and am granted a Venmo and a Venmo debit card. I attempted one transaction and they immediately froze my account. Sending an email stating they had permanently disabled my Venmo account and the funds I received were now going to be held for 180 days. They offered absolutely no info as to why my account was closed. Simply stating their AI algorithm was the reason my account was close. I opted out of their arbitration clauses immediately upon making the Venmo account due to this problem and process being such a general problem. I've contacted support over this issue. Because they closed my account my wife 's account that has also been created granted a debit card and used for over a year was closed with even less info as to what she could have done.
Product: Vehicle loan or lease

My account should be squared away and the fact that they switched accounts to my old account to make the withdrawal should not affect my future or record
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.