23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My ex spouse 's address is showing on my credit report, and I have never lived there. He is likely trying to steal my identity. He just moved there, and I have been divorced & living away from him for years. Please delete this address and any connected activity from my credit report : XXXX XXXX XXXX, XXXX, CA XXXX
Product: Debt collection

AES/PHEAA has recently changed the due date of one or more loans on the account without my express permission and failed to alert me of the change. I was given little time to prepare for the specific amount due to the change in due dates. In addition, I do not agree with the change in due dates. AES will be forced to change the due date back once I file a complaint with the courts. I do not trust AES/PHEAA and wish for all correspondence to go through my attorney going forward. The representatives who respond, are cold and inhumane, treat me with disrespect, and do not care about cyber security. AES/PHEAA breached any contractual obligations by violating the consumer rights I have. Employees also tend to eat while speaking over the phone, and are not friendly or respectful. 

I'm offended by this lack of integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am issuing this complaint against TransUnion for withholding a refund from me, forcing me to provide my credit card information when signing up for an account, and ultimately billing my account for a service that I was unknowingly signing up for. 

Background : I unknowingly signed up for a credit monitoring program at TransUnion. I had originally signed up for TransUnion to receive a free credit score using their services provided. When making an account on TransUnion around XX/XX/XXXX, they had asked for my credit card information and signed me up for their credit monitoring program without my explicit permission. I begun getting billed $ XXXX/month every XXXX day of the month starting from XXXX to XXXX. I have cancelled that subscription on my account for TransUnion on XX/XX/XXXX and reached out through their customer service line, XXXX ( XXXX ) XXXX, for a refund payment of those XXXX months. The customer service line tried to withhold the payment for XXXX, but would issue a refund for the other two months. I had asked what services I had used for them to justify withholding a refund for XXXX, but they were unable to tell me. I even mentioned that I only used their free credit score platform during the month of XXXX to which the TransUnion customer service line said I can get a full refund for all three months. I was to receive the refund electronically in 3-10 days starting on XX/XX/XXXX, to which I will be persistent on getting back.
Product: Credit reporting or other personal consumer reports

It is very unfortunate that it has com to this, However, I am writing to address a pressing issue regarding fraudulent accounts that have been mistakenly attributed to my name. 

I DID NOT open an account with Bank of America on XX/XX/year>2023, which has since been charged off, resulting in an outstanding balance of {$270.00}. To Date I do have an account an OPENED account with Bank Of America, I have contacted Bank of America to report the fraudulent charges, and the identity theft and they have assured me that these charges will be removed. 

Additionally, I have reached out to the credit bureaus to notify them of the identity theft. I provided the necessary documentation, including the FTC report, an identity theft affidavit, and my New York State identification card, along with a cover letter detailing the situation. 

It is crucial to note that the accounts in question, specifically with Bank of America and XXXX XXXX XX/XX/XXXX , do not belong to me. They are a result of my former roommate using my identification without my consent and in an illegal manner. 

I am increasingly concerned about how the credit bureaus have been handling this matter. Despite my repeated notifications that these accounts do not belong to me, they remain on my credit report, affecting my professional opportunities and unfairly tarnishing my reputation. 

Your assistance in resolving this matter would be greatly appreciated. I am eager to ensure the prompt removal of these fraudulent accounts so I can move forward without further complications. 

Thank you for your attention to this serious issue. I look forward to your prompt response.
Product: Checking or savings account

So I have had to change my address 6 times so far with KeyBank, they keep alternating between two previous addresses. I notice usually when I try to enter my zip online to order something. They keep denying it but It keeps happening.
Product: Credit reporting 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. 
Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed on XX/XX/year> Reference number : XXXX Court : XXXX XXXX XXXX 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 XXXX 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: Credit reporting or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing to you with great urgency regarding the fraudulent accounts that appeared on my credit report, which were a direct result of identity theft. My wallet was stolen by an unknown assailant, which contained my personally identifiable information ( PII ) and my social security number. Despite my previous disputing efforts, Experian has failed to remove the fraudulent accounts from my credit profile, causing significant damage to my creditworthiness and personal finances.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX BALANCED {$890.00} XXXX XXXX XXXX XXXX BALANCED {$760.00} XXXX XXXX XXXX XXXX BALANCED {$970.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$480.00} XXXX XXXX XXXX BALANCED {$980.00} XXXX XXXX XXXX BALANCED {$470.00} XXXX  XXXX BALANCED {$21000.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  BANK XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX GA XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. 
Account Number XXXX Account Number XXXX I have filed multiple disputes with Equifax in reference to the two accounts above. I have disputed the accuracy of information as it relates to the " Date of Last Payment '' and " Date of Last Activity. '' Not only is the information inaccurate but no reported dates match XXXX or XXXX. These inaccurate dates have caused the Re-Aging of both accoutns.

Both times Equifax has responded stating " Update '' and/or " Verified a

s Accurate ''. There has not been any updates as it relates to the disputed dates and both accounts are still reporting inaccrately. I am requesting both accounts be deleted immediately due to inaccurate reporting and re-aging of accounts.
Product: Debt collection

I became aware of a CashNet USA loan that was taken out using my personal information. I have been the victim of identity theft and am currently dealing with several different occurrences. I attempted to resolve this fraudulent account directly with CashNet USA and have spoken with them several times by phone and email since last week, and they have determined the account to be legitimate and have stated that I do owe the debt. I have independently spoken with XXXX regarding the account where the payday loan was deposited, and they have confirmed that I have no ties to that account. I have filed a police report in regards to this as well. The payday loan application used a fake phone number and email address, as well as a false employer. There is ample evidence confirming that I am not responsible for opening this account, and I wish for CashNet USA to cease collections and mail me a confirmation that they will close this account as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Product: Debt collection

On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with XXXX XXXX XXXX, the name of the XXXX collections are XXXX XXXX XXXX and TATE & KIRLIN ASSOCIATES , INC, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Product: Money transfer, virtual currency, or money service

Was nit properly notified of policy and procedures would like all.money returned
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit card

I've been using a TD bank Visa card for many years. To prepare for an overseas vacation, I called and spoke to a person to let them know I would be using the card in XXXX for two weeks. I used the card for meal charges, as they offer cash back on these purchases. 

I returned yesterday and checked my account activity. I was shocked to see that EVERY overseas charge I made with the TD card also generated a " FOREIGN TRANSACTION FEE ''. I'd called TD Card before I left to notify them that I would be using the card in XXXX, and spoke to a person who made a " note '' in my account to this effect. That person said nothing about these fees. 

I called TD today and asked that they refund these fees, which total about {$20.00}. They refused and stated this follows my service agreement. That document is ten pages of fine print I received years ago. I believe this is deliberately deceptive practice - the person who noted my trip could have easily reminded me of the the per transaction fees. 

I ask that the CFPB investigate this practice of not providing fair warning of this junk fee.
Product: Credit card

This is the follow up from XXXX. 

There was a {$200.00} charge card with American Express I was unable to use at any large American ecommerce retailer - XXXX, XXXX, XXXX, XXXX, etc. due to " security measures ''. 

They refunded me {$130.00}, and did not reply to my inquiry as to why they deducted {$66.00} due to their faulty product not being usable.
Product: Debt collection

I called XXXX XXXX to discontinue my service due to relocation of my permanent residency starting XXXX XXXX, 2015, the same day I sign a form from the leasing office this form I signed and my roommate to release me from responsibility of this lease. It was approved and signed by one of the personal in the leasing office. XXXX representative came to pick up all of the equipment they brought in. The box for telecommunications services the provide such as cable box and internet. I called XXXX as soon as I found out they charging me for such amount I spoke to the costumer service and reported this as fraud XXXX I did not sign any agreement to continue this service. I have not found a place u til now I 'm still searching for an apartment and I am currently do n't have a permanent residence.
Product: Debt collection

I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( XXXX XXXX XXXX ) twice under XXXX different account numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

I had an auto loan thru TD auto financing. I traded in the car at XXXX XXXX and got another car thru XXXX XXXX XXXX financing. However, the XXXX payment for the TD bank loan went thru automatically. XXXX told me TDBank would refund me the {$320.00} once the car loan and sale went thru. This was in May after numerous phone calls to TD Bank I was told that the check would be sent. Many conversations were done with XXXX XXXX at TD finance. It is now XXXX still no refund.
Product: Credit card

my account was closed and no notification was given. When I called to find out why my account was closed I was not given a reason. I was just told that the issuer had closed the account when the card expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off XXXX XXXXXXXX XXXX and it is still being reported as if I owe. Also items that should be deleted are still being reported on my report. 

Any accounts that are showing me as authorized user should be removed. It affects me negatively and it is not my credit.
Product: Student loan

Service has reported that they have no options for income based payments. Servicer also would not recognized XXXX XXXX as a program & reported that we would need to continue payments, even while in school ( XX/XX/XXXX ). Given the lack of flexibility for income based payments & in school pausing, monthly payments have been difficult ( $ 400 monthly for a low income household ) & loan went past due. Servicer has repeatedly called for collection of payment. However, when calling the servicer they repeatedly will transfer me two to three times per call. Each person then has no knowledge of the conversation had with the previous representative. Also, when discussing payment options with servicer they literally said " well then just go past due '' ( XX/XX/XXXX ). Then when attempting to make calls for payments, they would again transfer me multiple times & on the last transfer, hung up on me ( XX/XX/XXXX ). 
Sallie Mae Credit Service
Product: Credit reporting, credit repair services, or other personal consumer reports

i have multiple hard inquires on my credit report for services are credit cards that i did not apply for i went through all of them and not one is from me i recently thought i disputed XXXX hard inquiry that my mother who is now deceased and as of today used under my name i check my report and i have about XXXX of them showing up. im not sure if this is fraud or scams but im asking if they can please be removed from my credit report its constantly been XXXX  dealing with this issue i dont check my score as much as i should but after today im gon na start. thank you you so much i appriciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus and LexisNexis are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased
Product: Credit reporting 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XX/XX/XXXX 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 a 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: Credit reporting or other personal consumer reports

I am writing to formally request arbitration. Upon thorough review of my credit report from XXXX, Equifax and XXXX, it has become evident that numerous discrepancies and inaccuracies still exist within the reported information. I disputed the completeness and accuracy of the reporting, unfortunately, their response stated that the reinvestigation was over, and the data was considered verified and complete. This statement begs doubts considering the blatant errors in a number of areas, including high balance, last verified date, date of last activity, date reported, date opened, balance owed, closed date, account rating, account description, dispute status, creditor type, account status, payment status, and original creditor. As required by 15 USC 1681i ( 5 ), if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to finance a vehicle through XXXX XXXX XXXX. My XXXX  credit report still shows a fraud alert that I have requested to have removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX My DOB XXXX SS XXXX is my info. Please REMOVE/DELETE the PHONE NUMBER XXXX .... MY CURRENT AND ONLY NUMBER IS XXXX.