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

I dispute to student loan accounts on my credit report that is being investigated by the federal government under the Borrow Defense Program through www.studentaid.ed.gov. Under these terms, I have the right to request a stop collection on any student loans on my credit report. I have disputed these twice and I have provided the documentation detailing this to Equifax. Equifax has refused to remove these items from my report. I was told that they investigated my loans under a fraud investigation based on an alert that XXXX  put on my credit report. I explained to the reprsentative that Equifax did not review my documentation correctly, nor did they review the supporting documentation correctly. I am requesting that these loans and any future collections regarding these loans be removed from my credit report immediately. This is the message I submitted to Equifax : I am requesting that these accounts be removed under the federal government 's Borrower Defense Program : Stopped Collections Status. See borrower defense section at www.studentaid.ed.gov. Please remove the below accounts off of my credit report. These accounts are being investigated by the federal government under the Borrower Defense Program, the school I attended misled and engaged in fraudulent practices that resulted in me taking out these current loans. I have attached documentation for your company to review. XXXX Account # XXXX Account # XXXX
Product: Debt collection

They have not properly validated this account as mine, nor provided enough information to be certain it even belongs to me. They keep sending same canned response letters.
Product: Credit reporting or other personal consumer reports

Capitol One calls me at least 20 times a day in regards to bill I think. I have blocked but they continue to call hundreds of Times in a month. Absolutely tired of it and annoyed
Product: Credit reporting

My social security number is showing my sons social security number as my own I have tried 6 times to resolve this mixed up issue with all credit reporting agencies, I have Faxed, called and paper mailed copies of my accurate personal info. to mixed department disputes with a bold heading " Update Personal Information '' Equifax, XXXX ; XXXX. Without any corrections being made in spite of my ss card copy my pa license copy and my 2016 XXXX copy. The only response I was sent was another request to verify my personal info. asking for the same Id verification items. This is frustrating, as my son is only XXXX and is just starting out fresh with his credit building. I am just insisting my correct ss number is changed to my correct number! Please help! 
Thank you for your time and concerns regarding my problem XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a Bankruptcy listed on my credit report and asked XXXX to verify the public record. XXXX  has not verified how this was verified. Lastly, I received a letter from United States Bankruptcy XXXX XXXX of Illinois confirming what I thought- they do not verify or provide any personal information. I am requesting that if XXXX  can not show how they verified this public record Remove this entry from my credit report.
Product: Debt collection

Santander Consumer USA has closed my complaint out and I dont not agree with this action they have in fact discouraged me the consumer I also dont agree with the unlawful adverse actions taken against me the consumer during this consumer credit transaction Santander Consumer USA has in fact deliberately stalked, harassed, and invaded my privacy by using unlawful Gps tracking devices and by having non affiliated persons track my exact geographical location these individuals are not in any type of tow truck vehicles and dont have any business decals on these vehicles they can be seen in regular cars scanning license plates these individuals dont have any license to tow vehicles these individuals are in regular cars driving around following consumers home without any type of search warrants without consent from the consumer without informing the consumer without real proper tow truck vehicles and without a business license required by the United States also police reports and identity theft reports have been filed in Tennessee and Texas for these unlawful individual actions and for breaking state privacy laws in two or more states
Product: Mortgage

I'm a Survivor of XXXX XXXX which ended after 17 years and also my entire life ended when my husband came over and XXXX me under a PFA and made me completely XXXX XXXX   and XXXX XXXXXXXX my entire life changed within 5 minutes and due to that fact I had to wait a year and a half just to get XXXX and live off credit cards for me and my children child support took one year to receive as well and I had no money coming in. We have a home equity line of credit with Key Bank their address is XXXX XXXX XXXX XXXX Ohio XXXX and they do have a phone number here XXXX. My husband under a court order through XXXX XXXX received a credit of {$550.00} every month to pay the home equity line of credit at KeyBank. He continuously paid it late which affected my credit as far as the score and I am now having major difficulties finding anybody that will refinance me. Under the marital Separation agreement and property separate under the marital property agreement I am to refinance {$25000.00} of the home equity line of credit on to my house and my ex-husband must refinance the balance of that loan on to his house. I have been turned down by almost every mortgage company due to my score and due to his late payments. I have offered Court documentation showing that he was fully responsible for making the payments but they all say because it's affecting my score to and which brought it down drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps going down due to accounts I do not have I called target and XXXX XXXX to fix the issue because I never opened accounts with them and it still shows that those accounts are delinquent these delinquent accounts are really affecting my credit
Product: Checking or savings account

Two whom it may concern these un-authorize transactions dated XX/XX/20 {$500.00} XX/XX/20 {$500.00} XX/XX/20 {$500.00} XX/XX/20 {$1000.00} XX/XX/20 {$2.00} XX/XX/20 {$8.00} I contacted the merchant and was told to contact my bank. 
Then I contacted my bank and reported my debit card was lost/stolen. 
The bank then initiated a dispute. 
The dispute did not work in my favor and I couldn't understand why I got ta suffer when I'm the victim here who money 's was stolen with out my authorization, and the company didn't work for me In a fair dispute.
Product: Student loan

Currently, my IBR request has been in one process or another since XX/XX/XXXX ; usually the process is " HOLD '' while the interest and the pay-off date on my loan gets higher and higher. Even since this servicer has had my loan, I have had issues. Every time I call in or get a message, it says I am on the wrong plan for IBR or I could be making a lower payment. I also had someone suggest I apply for XXXX Loan Forgiveness, which I am not eligible for, and further delayed payments. In XXXX, they had me paying three different payments and then it has really been a mess since I went back to school from XXXX. I wanted to keep paying while in school, but they placed in forbearance and basically wouldn't let me. Ever since I have came out, it is either the wrong payment, not a XXXX qualifying payment, on hold, in processing, or past due because of their inept practices. 
I just want to pay my loan. 
In XXXX, I received correspondence saying I was on the wrong type of plan for XXXX. I applied for IBR and paid the {$5.00} she said to expect in XXXX. My XXXX was denied because of incomplete info although there was proof I had uploaded it. They told me to reapply. I think the reapply started the entire process over and then I believe I finally got what I believe was the correct payment of {$400.00} in XXXX and a bill for {$5.00}, paid it once, and then it inexplicably went to the standard payment plan amount of {$1100.00}, which they tell me not to pay because it won't qualify ( I also can't afford that ). I have talked to at least three people who said they are sending it to review and don't know what's going on. I NEED HELP PLEASE. I am begging. I will attach details. Everyone I talk to says they will take care of it, but it never happens. Please review my attachments for evidence.
Product: Checking or savings account

XXXX bank failed to make direct deposit available to checking account due to a system error. Deposits are 2 days late, with no clear statement from XXXX, about when deposits will be available.The bank also locked me out of my account, because I was checking my balance to often!
Product: Credit reporting or other personal consumer reports

I am listing accounts 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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

So I was XXXX  XX/XX/XXXX to XX/XX/XXXX and in XXXX sometime that year a Chase account was opened up in my name and a fraudulent check was made or written or something along that nature. I didnt learn of this until here recently when I recently traveled to a branch XXXX hours away from me on XX/XX/XXXX to open a Chase secure banking account. They said that I had a previous balance that I had no knowledge of the branch manager overrides the system and created me an account. I deposited {$100.00} in there and did not touch it that was gon na be my checking. So I wake up one morning and I find that my account is locked due to fraud and I called them and all they said is Chase has decided to end the banking relationship with me and that it is final and I can not ever have an account with them again. I feel like they are punishing me for something I dont even do. I have documentation to prove to them that I was XXXX  on these dates.
Product: Debt collection

In XXXX 2016, I submitted a payment in full for the amount of {$490.00} from my XXXX card. I received a call stating that XXXX did not allow collection companies to charge customer accounts. I called XXXX and they stated there was no reason they would refuse to pay the account was in good standing and credit was available. I submitted {$250.00} from my debit card. I got another call and this time the rep said that they did not accept XXXX cards as payment contrary to the last rep that said they tried to run the card and the authorization failed. This company lied and now it XX/XX/XXXX and this should have all been resolved in XX/XX/XXXX. They are destroying credit by falsely refusing to apply payment. By Illinois UCC the refusal to accept payment for {$490.00} ( the full amount owed ) is grounds for dismissing the debt in the amount of the attempted payment. By law I should owe nothing and they should have to refund my {$250.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently, my credit score was greatly impacted from an inaccurate balance increase on my XXXX XXXXXXXX credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX hard inquiries shown on my credit report. On XX/XX/2024, I recalled opening a checking account with XXXX XXXX, but I did not apply for any loans with them. However, I see that there is a hard inquiry made from that company on my credit report, which credit unions are not supposed to pull credit/or credit check when opening a check or savings account. There was also XXXX other hard inquiries dated on XX/XX/2024 from Factual Data and XX/XX/2024 from XXXX XXXX. I did not approve of this credit check nor am I familiar with these two companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXXXXXX XXXX  XXXX. I am a victim of identity theft. These accounts are fraudulent.
Product: Debt collection

Received an alert for a new account on my XXXX credit file. Enhanced Recovery CO, LLC reported a debt in the amount of {$900.00} owed to ERCXXXX. I have n't had service from XXXX for at least 10 years, let alone any communication regarding a delinquent balance. I attempted to call Enhanced Recovery, no answer. I disputed the entry on my credit report, it was promptly updated from delinquent as of XXXX, updated to delinquent as of XXXX. I was never sent a notice of the alleged debt and, subsequently, deprived of my right ( s ) under the Fair Debt Collection Practices Act ; to dispute the debt and receive validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a Pre-qualification From XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company, " Transunion ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX XXXX is one of my favorite XXXX. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( XXXX XXXX XXXX XXXX  ). 

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

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected : XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Credit card or prepaid card

XXXX XXXX was an account that I included in my Chapter XXXX bankruptcy in 2016. Since that time, on several occasions, they have been illegally reporting that I owe a balance on my XXXX credit report. This is not only a violation of the automatic stay, but has hurt my score tremendously.
Product: Credit card or prepaid card

I added authorized users to my account. I XXXX a XXXX that XXXX XXXX XXXX XXXX XXXX. We are currently working in California XXXX XXXX XXXX. I added 6 of my trusted XXXX  to my Capital One ( Venture One ) credit card. On XXXX I received all six cards in the mail. Then on XXXX I received a letter from capital One stating they had closed my account. On XXXX I called the credit card company and after speaking to 3 different people got the supposed top level customer service rep. She told me my account was closed due to violating my agreement with Capital One and adding to many authorized users. I know for a fact this is not right because my wife who has her own separate venture one account just recently added 8 of our employees to her account and only had to send extra verification to have them excepted. The lady told me there was nothing she could do to reopen the account and since the account was closed all my venture  points that I had been saving for an upcoming trip would be lost. Not only that a closer of a credit card has a negative impact on my credit score. I have never been late on a payment and pay off the whole balance every month. They never one time before the letter stating they had closed my account ever once tried notifying me that there was a red flag by adding the authorized users. They have my email and phone number. I have done absolutely nothing wrong except be a good customer and now Ive have my account closed my points stolen and my credit effected!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask sent me the bill I need proof of the money {$610.00} each month I cant pay Waith out proof XXXX
Product: Credit reporting or other personal consumer reports

There may be a mistake, these accounts are not mine and they may be affecting me. You can remove them. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several credit cards. Among these was a credit card with Wells Fargo, while the application was declined and no account was established the process left a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX. A formal dispute of this information was sent to Wells Fargo and received via certified mail with return receipt XX/XX/XXXX. As of this date Wells Fargo has failed to reply to the outcome of the re-investigation and removal of that fraudulent data from the credit report which is a violation of the FCRA and my clients consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations sent 90 days ago XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Open Payment Status Current Status Updated XX/XX/XXXX Balance {$3000.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment {$37.00} Past Due Amount - Highest Balance - Terms 120 Months Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Customer disputed account - reported by subscriber Account information disputed by consumer under the Fair Credit Reporting Act CONTACT INFORMATION XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX PAYMENT HISTORY all XXXX sent ftc filed over 90 days of the un lawful loans {$1100.00} {$3000.00} {$2600.00} {$3500.00} {$2700.00} {$4100.00} {$5500.00} {$5500.00} XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can & # 39 ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a invitation offer by email from XXXX XXXX XXXX to apply for a Credit Card with no impact to my XXXX XXXX if I'm declined*. I was hesitant and decided to call the number listed to confirm XXXX and was reassured that that info was indeed correct it was only a soft inquiry and no impact would occur to my XXXX XXXX ( which later turns out is a false/deceitful statement ). After getting off the phone I apply and get the we'll contact you message about this card. I then start thinking I really don't need this card as its redundant to another to my XXXX  Rewards card that offers cash back on XXXX. I call with in a minute to call XXXX XXXX  that I want my application withdrawn they said it looked like my application was accepted but with another department and that they would relay the word about my withdrawal. 

Late overnight I was awaking my email notifications stating there was a change in my credit report and that I had opened a account with Synchrony Bank ( SYNCB/XXXX  ) XXXX 
The following day I called and spoke to the Synchrony Bank about what had happened and was assured it would be taken care of the account that was opened would be closed and any inquiries would be removed. I was told a letter would be sent to the credit reporting agencies and myself as well as a mail correspondence one correcting the issue and as confirmation of action of letter to the Credit Bureaus. As a result I froze my Credit Accounts to prevent any unauthorized inquiries to the other Credit Reporting Agencies such as XXXX and XXXX. I went back to the application to see if I could cancel and it stated congrats I was approved I had email confirmation about using the electronic card while I waited for it to be mailed. 

I received XXXX conflicting pieces of mail correspondence on XX/XX/2023 from Synchrony Bank stating that they could not approve me for a XXXX XXXX XXXX Account because my Credit Reports were frozen and another stating the inquiry was valid. So in XXXX instance they said my account wasn't approved because of no access to my Credit Report ( yet I have a inquiry which is unauthorized ) and on top of it I took a hit to my score as a result of the inquiry and unauthorized account being listed on a XXXX credit bureaus. In the next letter they say they say I have a account and am a XXXX customer even though I told them I didn't want the card immediately and after finding out they had opened a account I told them to close it as it wasn't with my consent. They said they would over the phone. I'm upset about their shady practices. I want this unauthorized inquiry removed and confirmation the account was closed per my phone calls with them ASAP.