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

This is the 2nd Complaint before Filing a Lawsuit against TransUnion! There is a fraudulent account on my TransUnion Credit Report with Georgia XXXX XXXX XXXX XXXX, Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Georgia XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and Georgia XXXX XXXX XXXX is violating the law, Ignorance of the law is no excuse. In conclusion, I have shown you proof and you have been put on notice that you are repeatedly reporting fraudulent information. The information is, in fact, fraudulent and inaccurate. The continued reporting of this fraudulent information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, fraudulent/inaccurate account from my Consumer Report. Also, I have attached supporting documentation from the creditor that the account is to be blocked and removed from my credit file, but it is still reporting. Please remove fraudulent account. Thanking you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX, Equifax, and XXXX about inaccurate balance for XXXX XXXX XXXX The balance is showing up {$360.00} and {$360.00}.
Product: Checking or savings account

I deposited a check on XXXX. The check is from the state treasury and I know the check would clear. I received an email stating to call them to verify my account activity. I called on XXXX and was told my account was being closed. On XXXX I received an email that my account was restricted and I would receive the money in my account in 10 business days either via check or via transfer to an external account if one was linked. Its now been 13 business days and they are still holding my funds XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was sent a letter of dispute. After review of my credit reports, XXXX XXXX  has not marked my account as disputed as required by the FDCPA
Product: Debt collection

This firm CAVALRY SPV I , LLC / XXXX AND XXXX, XXXX filed judgement against me on XX/XX/2010. I have paid them over XXXX on an original judgment of XXXX they sent me a new judgment amount showing I still owe XXXX ( see attached statement ). They have issued a garnishment against my wages that jeopardizes my employment and my ability to pay my month debts. I tried in the beginning to pay this amount directly to them versus garnishment and they would even respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies XXXX  and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

Midland Funding Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on 3 Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, XXXX, WA, XXXX, XXXX XXXX XXXX, XXXX, CO, XXXX, XXXX XXXX XXXX, XXXX  XXXX, CO, XXXX ; ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Debt collection

My complaint is about Navient and in particular one of their collectors, XXXX. Several years ago my son applied for a student loan in which we cosigned for. He had been making payments until he was injured on the job and was fired. He is presently unemployed. He has tried to make payments, however small, in good faith, but because it 's not the amount they want they have refused them. They have contacted us on a weekly basis for payment, but we are unable to pay. My husband is very ill and we are struggling with our own medical bills and are heavily in debt. I understand it is their job to try to collect but it hit an all time low this week when they started calling my place of work. ( I only work part time because I take care of my husband and take him back and forth to his doctor 's appointments. ) The worse, though, is when I got a call for my boss last night that they somehow got a hold of her private, unpublished home phone number and harassed her XXXX daughter! This has got to stop! I 'm afraid it is going to cost me my job.
Product: Money transfer, virtual currency, or money service

There were amounts that were reversed and transferred to other accounts out of state I attempted to appeal with my bank which was chase at the time I loss the case and my account was locked out!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : 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

This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX XXXXXXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Student loan

On XX/XX/XXXX, the USPS stamped that Mohela received my revised PSLF form to per XXXX XXXX response to the prior complaint I lodged on this site. Today I called Mohela to check the status of my PSLF application. When I entered my SS number, the recording stated : " PSLF form last received on XX/XX/XXXX. '' this is unacceptable!!! Now I must wonder and worry about the status of my PSLF application, with no way to speak to ANYONE about the true status, with only an erroneous response from mangled XXXX!!! I need the TRUE status of my time limited, modified PSLF, which I originally submitted before the XX/XX/XXXX deadline! Also, due to president Biden 's new regulations imposed on student loan balances, I need to know the recalculation of my student loan balance, per the new rules, as I have been involuntarily retired due to age discrimination, and need to financially plan going forward for tax and retirement purposes!!!!
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been XXXX months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I CALLED NELNET AN REPORTED THAT MY STUDENT LOANS ARE PAID IN FULL, I WAS ADVISED TO UPLOAD A COPY OF M CREDIT REPORT SHOWING THE LOANS STILL SHOWED A OUTSTANDIN BALANCE, I WAS ALSO INFORMED BY THE CUSTOMER SERVICE REP THAT MY LOANS HASNT BEEN REPORT TO THE CREDIT BUREAUS SINCE XX/XX/2023. I LATER RECIEVED A LETTER FROM XXXX STATING THEY DID AN INVESTIGATION AND THEY VEFIED THE INFORAMTION WAS ACCURRATE. IM ASSUMING THE INVESTIGTION WASNT PROPERLY CONSIDERED AND WAS UPDATED BY A COMPUTER INSTAED OF A PERSON. BECAUSE THE RESULTS WOULDVE BEEN DIFFERENT.
Product: Credit reporting or other personal consumer reports

I contacted Experian to let them know they are reporting my student loans twice. Which make it seems as if I owe more money than I actually do. I informed them that the loans were transfered to XXXX and that XXXX is no longer my loan company. They told me that they reported to them. I informed them that they have not reported to them since last year XXXX of XXXX. Now they have updated the status as if they just reported to them this month of XX/XX/XXXX. Which is a total lie because it is closed out at XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a 1099-K in the mail with Block, Inc. ( Square ) as the filer. The XXXX ( XXXX  ) is Cash App, and there are 732 payment transactions referenced, totaling {$12000.00} over tax year XXXX. See the attached copy of the form. 

I do not, and have never had a Cash App account, so I believe someone has fraudulently created a Cash App account using my SSN, name, and former address ; received payouts last year totaling {$12000.00} ; and now is trying to fraudulently hold me liable for paying the taxes on that sum. 

I formally requested : 1 ) That Cash App close the fraudulent account in my name so no further transactions can be made.

2 ) That Cash App ( via Block , Inc. ) issue a correct 1099-K to me and confirm in writing I am not liable for the fraudulent charges. 

As of now, Cash App has failed to complete the above steps and instead has directed me to consult a tax advisor and/or ask my local police department to request information through their legal department. I need Cash App to take the above actions because they bear responsibility and control over withdrawing the incorrect 1099-K and closing the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns my Experian Credit report. I have an item on it " XXXX XXXX '', which I paid off over a month ago. I have the written notice so stating from XXXX XXXX. Experian refuses to update my credit report and shows that I still owe on this loan. I sent them two dispute notices and downloaded the paid in full notice from XXXX XXXX. They persist in refusing to update my account. 

Why?
Product: Credit reporting or other personal consumer reports

THERE IS AN UNAUTHORIZED ACCOUNT ON MY CREDIT FROM XXXXXXXX XXXX XXXX ACCOUNT NUMBER XXXX
Product: Credit card

Ensuring timely payments has been my priority with this account, ensuring no instances of overdue payments. I'm puzzled by the late payment remarks appearing on my accounts, and I believe they should be corrected according to 15 USC 1666b - Billing Error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting over and over again to the Credit Reporting Agencies to investigate and correct my Credit File by fixing or deleting these erroneous accounts that are still reported by the Credit Bureaus despite the multiple dispute letters and CFPB complaints I have been submitting. These accounts reporting erroneous information on my Credit File is in violation of the Federals statute, Fair Credit Reporting Act section s 609 and 611. Also, the Credit Bureaus have been claiming that the disputed accounts have been verified and yet they are not able to send me copies of proof of verification! For the last 6 months, my dispute have been constantly ignored! I have made up my mind and I am willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with the FCRA. I am submitting this CFPB complaint to warn the Credit Bureaus to remove the disputed accounts before me and my legal counsel would be able to submit a lawsuit. Once again, I am requesting that the Credit Reporting Agencies correct my Credit File by removing the following accounts from my Credit File : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

Payment requested from XXXX  was for XXXX on XX/XX/XXXX. Payment was made on XX/XX/XXXX which is less than 30 days from the original payment due date. No answers provided by XXXX  about why being 24 days late results in a 30 day delinquency. Online system requested {$290.00} and {$290.00} was paid. no issues online indicated that less than the minimum due was what was paid. If there was a " late payment '' for being paid after the due date, being issued on XX/XX/16 then there should be 30 days from the date of the notice prior to that being the issue for being late. at no point was any fee or amount to be paid ever 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a account that is fraud and its not mines a car loan from XXXX XXXX i never open a account with this company its fraud and need to be removed off my credit report
Product: Credit reporting or other personal consumer reports

*This is not a duplicate complaint, new information is being submitted! 

The credit brueaus are not protecting the consumer. These accounts have been removed from my credit, yet keep reoccurring. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries from the latter companies. 
I've also been discriminated against for being XXXX, resulting in lower then my strong credit should and did reflect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team again was incredibly rude and unprofessional, making it impossible to correct errors on the servicing side. It was too the point I deemed it XXXX and employees sabotaged the servicing of my account thereafter. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX XXXX XXXX  should all be notified to remove this uncollectible, invalid debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to rectify this situation with the credit agencies and XXXX XXXX. This account does not belong to me. I have asked XXXX XXXX to send proof that this account belongs to me and they have failed to do that. I have submitted a FTC Fraud Affidavit to XXXX XXXX and they have failed to remove this account from my credit file. This account was not opened by me. This account is perhaps a mistake in identity or deliberate fraud. Please remove from my credit profile or provide me with proof that this account was opened by me.
Product: Credit card or prepaid card

Fraudulent charges not taken off the card after i followed all protocol citi customer service has blocked issued and was suppose to take them off of my card and all XXXX dollar return fees are still being XXXX  and my credit report is still not fixed.
Product: Credit reporting or other personal consumer reports

I dont have specific dates because all my information was on the phone that was broken into by scammers. Which was sent by Experian. Telecommunications ads that solicits innocent people! Theres a house on my credit report that I never had and was trying to get off for years. Theres information with the incorrect spelling of my name. Disputes that I have had taking off shows up a few months later. Its all a scam! What Im upset most about is my phone got hacked, {$2000.00} was taking from me, the pictures of my loved ones, passwords, all gone! Due to Experian giving out my number and information to 3rd parties scammers!
Product: Debt collection

I returned a vehicle to XXXX XXXX  off lease and picked up a new leased vehicle from the same dealer on XX/XX/20. The car was clean and dent free. Today I received a call from a collection agency ( XXXX XXXX ) stating that I owed {$660.00} on the returned vehicle. I never received any prior notification or report of any damage to returned vehicle. I was threatened with a judgement if I did not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOW ACCOUNTS HAVE ALSO BEEN AFFECTED BY THIS CRIME XXXXXX/XX/XXXX XXXX # XXXX. 
WYNDHAM XXXX XXXX  # XXXX. 
XXXX XXXX XXXX. 
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Product: Debt collection

I had a wireless service with XXXX, but after a week, they realized that I 'm not qualified for the service, so they asked me to return the phone and they exempt me from any obligation so I did, however, they never make sure that my service is cancelled due to their bridge of contract, I returned the phone in the legal time, but they never noted, they admitted, they made a mistake, by the time I discussed the matter with XXXX, they already sent collection to an agency, they say they can not contact the collection agency on my behalf, however, they gave me an official letter to supply the agency that I owe {$0.00}, but still they put me under collection, which is not fair, when I called the collection agency, they declined to talk to me, they say my problem with XXXX not them.why I have to be under collection and I have proof to prove it with a letter from XXXX please help me take this bad credit from my credit, i feel this is abuse, and tempting to collect something not due the total amount is they say {$530.00} for the phone which I had returned and this my proof thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX