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

Since XX/XX/XXXX, I have disputed the inaccuracy of my payment history ( XX/XX/XXXX ) for all eleven of my federal student loans to the credit reporting agencies ; XXXX and XXXX ( XXXX has followed FCRA laws and updated my account information ). my dispute investigations keep resulting in verified account information. This ca n't be accurate and I am questioning the validity of the verified account information because I have documentation that illustrates I was granted a forbearance period for my federal student loans for the period of XX/XX/XXXX-XX/XX/XXXX in which XXXX has it reporting a 90-120 day late payment status. If my accounts were n't current during that period, I wouldn't/could n't have been granted a forbearance period.This information is not correct and per the FCRA [ section 623 ( a ) ( 2 ) ] ANY updated account information must be reflected on the credit report. It is also the Credit Reporting agencies responsibility to ensure that all credit reports are 100 % accurate, in which my accounts are not. A Forbearance period marks your monthly payments as current while you are not paying on your loans and mines are n't reflecting that. I ca n't have late/missed payments and be on forbearance simultaneously. My forbearance grant should be updated and reflected on my credit report. I spoke with a Federal loan servicing rep by the name of XXXX ( ID number XXXX-information in attachment ) at XXXX Eastern time on XX/XX/XXXX and she informed me that the dispute process was a 60 day process and that my dispute was still under progress ( would be completed at the beginning of XX/XX/XXXX ). She also stated that once the dispute process was complete the disputed information would be corrected, updated, and reflected on my credit report. I have attached documentation that illustrates that I was granted a general forbearance period for the time frame that XXXX and XXXX is reporting missed payments. This hassle of back and forth with the credit reporting agency and Fed Loan has caused tremendous financial suffering due to no fault of mine.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by XXXX on my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by 12 CHR 1006,34 ( D ( XXXX ), yet they have proceeded to place : Account Name : LEAD BANK Account Number:XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX accounts on my consumer report. 

This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 2. I have not been allowed to dispute the account per 12 CER 1006.34 ( c ) ( 4 ) ( 1 ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. 

XXXX has resorted to false, misleading, and deceptive means in its reporting efforts, hereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers.

2. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). XXXX is flagrantly disregarding consumer protection statutes. I did not receive any notice from : Account Name : LEAD BANK Account XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX  Account XXXX : XXXX accounts on my consumer report providing me the opportunity to dispute the validity of this debt within 30 days, as required by law. 

Additionally, I have attempted to submit supporting documents proving that my information was compromised in the XXXX breach and documents proving that I am a victim of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and emotional stress. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that XXXX remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 

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

They Refuse Too Remove This Collection Off My XXXX Credit Report I Had Health Insurance From My Employer During The Time Of This Service And Bill
Product: Debt collection

I paid for a free trial bottle from XXXX  limited king size. Only pay shipping ( {$6.00} ) 2 days later received phone call asking how i was going to pay for XXXX monthly membership. I said just to cancel everything then am not worries about it. Refund my XXXX dollars i paid for shipping on free trial. Im not interested. Called me agian everyday 5 times a day. Tried charging my credit card without my permission. So i cancelled my card to make sure they weren't stealing my money. Now i have a letter 3 months later saying they trying to collect a debt. In wich ive never recieved anything in mail and told gentlemen on phone 20 times to cancel everything. And they still owe me XXXX dollar refund. Now im worried they are going after my credit and hurt it unless i pay them. Tried calling numbers. They provided on debt collection paper. No answer. Left voicemails and no answer. We are in the middle of a pandemic. Money is very tight and yet they still trying to rob me and others if you lookup reviews about XXXX  Unlimited online. They should be in trouble for this. Its a massive SCAM
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times getting information from Experian regarding Account listed on my credit report with The cash Store Account # XXXX amount owed {$1600.00}. 
I sent several certified letters including 609 letters asking for information provided by the company validating this is my account. That has yet to happened. I also filed for CFPB to look into this matter ; but I haven't heard received anything in writing.
Product: Debt collection

This morning on XX/XX/XXXX, I called Navy Federal about my checking account. I am a XXXX XXXX   XXXX and received deposits for the PPP ( Paycheck Protection Program ) and EIDL from the SBA Coronavirus Aid, Relief, and Economic Security Act, ( CARES Act ) fund. That AID was intended to address the economic fallout of the COVID-19 pandemic for entrepreneurs. So, I was shocked when I spoke with a representative named XXXX who said she could not help me with my account because I owed Navy Federal {$3100.00} from a XXXX that I owned in XXXX. She told me the debt was from XX/XX/XXXX. I  explained to her that this was the first time I heard about it and I have been a member with Navy Federal since XX/XX/XXXX. I have always kept my address and whereabouts known. The account that she mentioned was a Corporate account for a C-corp that I owned. When I moved to VA in XXXX the corporation was dissolved. 

In XXXX, I started a new corporation here in VA called XXXX XXXX XXXX XXXX - new tax ID, This current entity has nothing to do with my dissolved corporation. It is not even in the same line of work. When I asked to speak to her supervisor, a man called XXXX, he was very defensive and said this is the money that I owe Navy Federal. I explained to him that I was never notified and never received even a letter or phone call. I've had my personal account since XXXX. He was adamant in keeping my money as well. I explained these funds are earmarked to provide for payroll. I said if it is seized then I will have to pay it back with interest, plus it won't be used as it was intended. He was very rude. 

I even asked if he could even go after an uncollected debt after the 6 year time limitations had past. He did not care and hung up. 

When I checked my account thereafter, sure enough {$3100.00} was gone. This is my personal account. My taxes are reported on a Schedule C. I believed that bonafide corporations shield their directors from personal liabilities. Even if I wasn't shield from such liability, I was never notified of the debt. Now, I suffer a triple whammy - limited funds to pay myself and contracts, no way to have he {$3100.00} forgiven and more debt to repay with a business I may not be able to keep because I don't have enough funding. 

Will you please help me?
Product: Checking or savings account

My name is XXXX XXXX XXXX and I'm a retired XXXX XXXX with the XXXX XXXX XXXX XXXX. I'm elderly and XXXX, currently my daughter is XXXX XXXX   and has been or may be using and opening accounts my account to funnel large amount of life insurance in my account. I am asking that any account in my name and social security number XXXX be closed immediately and all final balances be send to the address above. Thanks!! XXXX XXXX
Product: Debt collection

15 U.S.C. 1692c ( c ) states that a debt collector must cease further communication with a consumer if the consumer notifies them in writing that they refuse to pay the debt or wish the debt collector to stop contacting them ; essentially, a consumer has the right to tell a debt collector to stop contacting them regarding a debt by sending a written notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX chargeoff on my report The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX. The continued reporting of this inaccurate information is a clear violation of the XXXX XXXX XXXX XXXX XXXX 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, inaccurate account from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Checking or savings account

have had a online gaming merchant systematically drain mine and my fiancs cashapp accounts through multiple multiple purchases over a few months while I wasn't aware of mine right away she was and she disputed and got full refunds on all her unauthorized transactions.. and when I noticed mine had been victim to the same thing I disputed mine as well.. ( which totaled a whopping 300+ transactions for around XXXX $!!! ) and through out there investigation they approved and refunded about 75 % and then denied the other 25 %. these transactions ranged from XXXX $ to XXXX $ and wouldn't you have to know that the 25 % they have denied ( now 3 times in a row now deny deny deny ) they were the higher value ones of XXXX $ and on top of that they had given me a provisional credit and I had transferred it to my main bank to keep it safe.. and sure enough they denied and reversed almost XXXX $ in provisional credits and made my account negative XXXX $ and closed my account ... what can I do I have a enormous amount of evidence to support this fraudulent activity by cashapp and their blatant disregard for the laws and protections it's not coming sorry Above is the complaint I submitted back on XX/XX/XXXX Consumer Complaint No. : XXXX And in this I in extreme detail explained the situation and provided a enormous amount of evidence and documentation regarding this matter and since this date they have refused to disclose to me the full details about how their investigation was conducted except that the online merchant provided to them a online transaction report that does not contain my signature or my picture at the time of the transactions. They only provide a IP address for the card not present transactions and I have provided to them multiple times my identity theft report number with the FTC and my local police department and they refuse to acknowledge the gravity of my claim.. they disregard my attempts to resolve this matter in any civil fashion and they refuse to follow the regulations and rights I have as a customer and victim of identity theft.. IP addresses are subject to malicious fabrication just like a person who steals identities would do and this by no means supersedes any of the countless legitimate proofs I have submitted to them over and over and over the laws set forth by the government strictly state my rights and their responsibilities on this matter.. which them as a massive company should already be aware of and have predetermined expertise inI ask nothing less then this to be rectified my stolen money to be returned to me and if any sanctions or damages are able to be awarded for this lengthy process I would ask them to be enforced
Product: Credit card

I called to arrange a payment arrangement for an account in collections. I have not been able to schedule a payment plan as Apple Card 's recovery team is refusing to establish a payment plan, and they are only willing to accept full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

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: Credit card

Today XX/XX/year>, I used my credit card at a convienence store for {$8.00}. I went to my car and noticed I had dropped it. I looked over and watched a man pick it up and put in his pocket. I immediately called my bank and blocked the card. Was assured it was blocked and a new card would be coming. I then receive a fraud alert for $ XXXX in charges I didn't make- now when I call my bank I can't be authenticated so I can't discuss this or mark them as fraud. I asked to talk to someone that can help me was told that isn't possible- I asked to have public record questions asked of me- nope can't do that either for your proctection. Your not protecting me when my card is being used and I can't do anything about it. I've been with them for 21 years not that anyone cares. I understand about privacy and have worked in the industry. But there is always a way to escalate when the situation warrants and I am getting road blocked. This is not protecting my privacy. Send key token to an app that I can't access because I'm at work and not provided any other options is not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit 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, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX ( DATE FILED XX/XX/XXXX ) UNAUTHORIZED XXXX : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted Experian ; XXXX  and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

This debt is not mine, my identity was used to open a line of credit for products I never authorized.
Product: Credit card

This seemed too petty to complain about at first, but then I realized they are doing this to thousands of people, I have a XXXX XXXX Chase credit card. With this credit card, I am promised XXXX free passes to XXXX XXXX XXXX. Then, I find this cheap airline ticket to XXXX through XXXX. I have the XXXX XXXX terminal, it 's overcrowded and you end up paying {$3.00} for a brown banana. But that does n't matter, because, hey I 've got this pass for the XXXX XXXX. 

Except I do n't. I find out when I get there .. I 've seen no other notice ... that pass members are not allowed to access the club. I am not allowed access and not offered compensation. Now, this is understandable, as there is verbiage about " availability '' in the pass notes. But here 's what infuriates me : the reason was because of renovations. They closed all the Clubs to one-time passes in all XXXX of their XXXX hub clubs for a cause under their control. They **planned** a shortage of capacity -- the weather was fine and travel conditions normal -- and solved their problems at the expense of low-priority customers. Customers who had no realistic way to know they did this. This is an ongoing condition. Customers lured into flying through XXXX under these conditions should receive compensation. It 's worth noting that I checked and it was an option to pay {$59.00} for club access in XXXX online. If it was so crowded, why was that allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I reported to Experian, XXXX, and XXXX, that information on my credit report is incorrect. Date of first delinquency being reported by XXXX XXXX XXXX ( XXXX ) is incorrect. They were even falsely reporting payments that were never made. This was a loan obtained in XXXX which is now a 10 year old account still being reflected on my credit report. It is being reported that last activity was XXXX when in fact no activity has been made 5 years beyond that.
Product: Debt collection

I was contacted by my mother in law about a debt that belongs to my spouse. I attempted to contact the company. They refused to speak to me. They states federal did n't allow them too. My spouse took a break from work because they are only available during his work hours. They threatened a judgement when a suit has not even been filed. They have called his family members repeatedly and have never called him.
Product: Credit reporting

I had receive a credit report on XXXX XXXX, 2016 report # XXXX. I tried to use contact information at experian.com/disputes to dispute XXXX claims. It would not let me dispute these on this site. XXXX were XXXX XXXX for student loans. These loans were sold to XXXX and are in good standing. XXXX is XXXX for a car that was supposed to be included in a banruptsy XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and it has been found unverifiable, invalidated, inaccurate, and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. In accordance with the Fair Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 161i ( 5 ) the credit bureaus violate not reporting 100 % accurate ; fraudulent accounts have been reported & needs to be removed ; XXXX XXXX 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: Debt collection

my id was compromised by XXXX XXXX somehacker got my info and opened a paypal card charged XXXX now they come after me. i told them ididnt know about it they wont leave me alone
Product: Bank account or service

I 've used Citizen 's Bank for many years. In XXXX of 2014, they started taking monthly fees across XXXX different accounts. In some cases, there were XXXX fees in each month within XXXX account! I 've called and met with regional branches ( XXXX, XXXX, XXXX XXXX ) and did get ANY explanation as to why these accounts were getting debited. As well, the branch manager that promised to resolve this quit. On the bank statement, there is no explanation as to the nature of these new charges on old accounts.