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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 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 report 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 consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED  1 )     XXXX   XXXX -17  XXXX  17   XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX -17  XXXX   XXXX -17  XXXX  17   XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX -17  XXXX   XXXX   XXXX  17   XXXX   XXXX   XXXX   17   PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Reporting XXXX XXXX XXXX Reported date different mutitple inquirys wrong
Product: Checking or savings account

After multiple attempts, Chime keeps on denying my dispute. They claim to have done investigations properly, and yet, the first time, their dispute rejected my claim even before i was able to provide my evidence the same day i submitted my dispute. I submitted my evidence on the rebuttal claim, and its still denied. They claim to have worked with the other institution involved, but i was also talking to the institution and found out that chime didnt ecen attempt to retrieve a XXXX XXXX on the atm that was used to withdraw funds from my account fraudulently nor have chimed, contacted them. 

If they really did what they said they would, then why have i not received the information i have requested regarding the information they used to end up denying my dispute.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I have a cash app account that I had for ever 5 years someone was using my cash app tag to pay for purchases online. When I made cash app aware of this problem I tried to dispute the transactions. In return they closed my account and told me that theres nothing they can do about my loss funds. They took over XXXXXXXX XXXX from me and now they closed my account. If that doesnt scream guilty then I dont know but I do want my funds back I have small children to take care of
Product: Credit reporting, credit repair services, or other personal consumer reports

Community Loan Servicing, ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX ), phone XXXX, had our mortgage over a period of time and it was a complete nightmare. I was constantly calling to have late charges removed because they were added to our monthly statements and the account was never late. They continuously tried to say they did not receive my payment on time when I have the cancelled checks to prove it was received timely. They attempted to add extra homeowners insurance to my mortgage several times ( when they had proof and a copy of the policy I have through XXXX XXXX for over 20 years ) and the insurance had never escrowed in from the beginning of the loan. They changed the owner of the loan from my name to the estate of.. my deceased father, and I could not get anyone to help or even talk to me about the loan. The loan has been in my name from the beginning, so not sure what happened or why they changed it. Im still trying to reach someone there that will actually help me to get things straightened out even now after they have sold our loan to another servicer. This loan with Community Loan Servicing is showing still open and late on my credit report to this day and is ruining my credit. Ive been trying to resolve this for months to no avail. Its time to get an attorney involved if this can not be resolved within the next 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Equifax on Wednesday XX/XX/2022 about 2 fraudulent account on my consumer report, XXXX XXXX XXXX XXXX XXXX, in this dispute I included a copy of the FTC identity theft report, a copy of my utility bill, and a copy of my ID. Equifax received a copy of this on XX/XX/2022. Upon receipt of this my score was dropped XXXX points. As of today XX/XX/2022, this account is still not blocked from my consumer report. Per the FCRA 605b it states, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind. 
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
I sent over everything that was required by law and it's still showing on my consumer report. I also have called Equifax a total of 2 times today on XX/XX/2022 for both representatives to tell me by law I have to wait 30 days even though it's an identity theft account and wait for a response from the creditor. This is unfair and unacceptable to be as I am a identity theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX acct XXXX XXXX has violated my rights. 
XXXX  acct XXXX XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 
XXXX XXXX  acct # XXXX has violated my rights. 
XXXX XXXX XXXX acct # XXXX has violated my rights. 

15 U S C 1681 Section 602 A States that I have a 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: Credit reporting or other personal consumer reports

15 U.S. Code 1692c and 15 U.S. Code 1681n - 1681o I have been violated time and time again with the credit bureaus for allowing debt collectors and credit card companies to report false and damaging information. My personal information was compromised and bought over and over again damaging my name and livelihood.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I realized my checking account was on hold/closed on XX/XX/XXXX when I tried to make a purchase. I never received a call or letter from Suntrust Informing me my account was under investigation. I immediately called and spoke with a representative. The representative told me she could not provide me with any information other than my account is being investigated and Suntrust had decided to close my account. I asked for a timeframe as to when my funds will be mailed to me and the representative could not give me any information about that. 

I asked to speak with a supervisor. The supervisor echoed what the representative said. I ended the call. I called again on XX/XX/XXXX. The representative told me that the account was still under investigation and that no timeframe can be provided. 

Today, XX/XX/XXXX, I called and spoke with two representatives. The first, finally told me my account had been under investigation since XX/XX/XXXX. She also told me the investigators had 15 days to be settled. It has been well over 15 days. I asked to speak with a supervisor who echoed the same information but could not provide a date or timeline. 

I have tried to resolve this issue several times. The representatives have been rude, inconsiderate, unsympathetic, unapologetic, and unprofessional. On several occasions I have asked to speak directly with the investigator. I was told that is not possible. 

We are in the middle of a pandemic. This is all the money I have to support myself and XXXX I have been more than patient.
Product: Checking or savings account

I opened an checking account in XX/XX/XXXX with Wells Fargo there was a bonus for new customers of {$100.00} after you met a few requirements which were met within days of opening the account ( have so many deposits of XXXX amount and make XXXX amount of debits with your card ). I was supposed to receive the {$100.00} after 40 days of meeting the requirements. It is XX/XX/XXXX today and I still haven't received anything. I called in XX/XX/XXXX they told me it would be between XX/XX/XXXX and XX/XX/XXXX I called them again on the XX/XX/XXXX they said if I didn't receive it by the XX/XX/XXXX to call back. I called back on XX/XX/XXXX and they never returned my call.
Product: Credit reporting or other personal consumer reports

This company ran my credit without my approval, I have no knowledge of who these people are and why they were inquiring about my credit. I gave them a call so that I can get more information and they could not tell me why they were appearing on my credit file.
Product: Prepaid card

I received a XXXX XXXX AMERICAN EXPRESS gift card on XX/XX/. This was given as a gift from my work boss. The card is non functional so far, i have attempted multiple purchases all under the XXXX XXXX limit and the card ends up declining without fail. The card IS active and some companies even take out small fees from my balance yet still decline the card. I would like some compensation for this useless card I have received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information on my credit report with TransUnion for months. The TransUnion disputes has come back verified every time. XXXX XXXX I have pointed blatant inaccuracies for Date of Last Active, Date of Last Payment, Late payments after account is charged off. past due on a charge off account. XXXX XXXX I have pointed that XXXX does not own the account. The XXXX XXXX is owned by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX is not registered in the State of Georgia . I also pointed out blatant inaccuracies on the XXXX XXXX Date of Last Active, Date of Last Payment, Late Payments after account is charged off. XXXX XXXX has blatant inaccuracies, Late Payments saying I'm 90 days late and stating that I am {$1400.00} behind on my account. If TransUnion had done their investigation like they are required to according FCRA Section 611, TransUnion would have known my account is current and never late. TransUnion stated that the account was verified. How can that be according FRCA Section 611 the credit reporting agency suppose to do an investigation and that did not happen. That is a violation!!!
Product: Credit reporting or other personal consumer reports

These inquiries do not appear to be associated with any account I currently hold, nor have I authorized these entities to pull my credit report. I kindly request that these inquiries be thoroughly reviewed and, if they are found to be unauthorized or not connected to an open account, be removed from my credit report. 

no action was taken as far as removing them off of my report and dates of these inquiries are 9 inquiries from XX/XX/XXXX 3 inquiries from XXXX 4 inquiries from XX/XX/XXXX I filed a complaint through the FTC as well.
Product: Student loan

On XX/XX/year>, I submitted an application to consolidate my federal student loans. Before this, I was on the SAVE plan since I am also qualified for PSLF through my employer. On XX/XX/year>, I also resubmitted a SAVE IDR application to make sure I stayed in the SAVE program after consolidation.

I have been placed on an administrative forbearance by MOHELA. They are actively charging me interest. They have stated my SAVE IDR application would not be backdated meaning I am responsible for the interest I have been charged while on administrative forbearance. Had they processed my application, then I would have been qualified for the SAVE
Administrative Forbearance. This whole process has made me regret ever consolidating.

On several conversations with MOHELA agents, I have been told that they didn't even receive my SAVE IDR application or that it doesn't count or that they did receive it but I would need to be held responsible for all interest accrued until they're able to process and would not be backdating to my SAVE IDR application date.

I have {$200.00} interest accrued on my subsidized consolidated loans and {$750.00} interest accrued on my unsubsidized consolidated loans.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 10 unauthorized inquiries on my credit report seemingly all belonging to financial businesses. These are not my inquiries. TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX XXXX ( 3 inquiries made ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX. I spoke with XXXX of XXXX XXXX and was told that I should call to dispute the inquiries as they are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX  and my XXXX  as well then its another account that just on my XXXX  and it is Credit corp solution in the amount of $ XXXX date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, 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 purpose of serving as a factor in establishing the consumers 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.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( XXXX ) and the Person ( company ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date. 
My account with these companies were never late! This was clearly a billing error, and a double dipping scheme. This act is shameful it has caused severe hard to my reputation, my character, my mode of living and to my family! I need the following late payments Reversed to current /paid as agreed 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/XXXX I filled a claim for 3 transactions of XXXX for a business that was charging for a service that was cancelled. After the credit was issued and claim was closed, the merchant charged me a XXXX time on XX/XX/XXXX. The merchant refunded me for that last transaction, but Wells Fargo did not realize a XXXX transaction occurred and thought the refund was related to the claim that was filed and sent me a letter that they were going to reverse XXXX from my account about a week from then. I called to get this handled, to which I was told instead of simply stopping the credit from being reversed ( which is a manual action, not automated ), they wanted to issue more credit immediately, and then allow it to be reversed a week later. I did not like that resolution and saw said there are automatic transactions that occur on the account and if they reverse the credit a week from then, I may not have the money to cover the automatic transactions that i planned for. Of course they refused to simply correct their mistake, and continued to move money in and out of my account erroneously causing what I was afraid of and incurred an overdraft fee.. So I then called customer advocacy and filed a complaint, too which was told they would handle it, during which a second overdraft fee piled on. Waited almost another week, but needing funds to pay bills/etc, I just went ahead and deposited my check. I just was on the phone with them a second ago, and was told they were not going to fix the 2 erroneously charged overdraft fees, and when I asked for a manager, was hung up on! This is incredibly frustrating as that came from an already " elevated '' agent that was supposed to take care of it, as well as the " customer advocate '' who didn't handle it nor even follow up at all