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

In XX/XX/XXXX I was granted bankruptcy and the elimination of my student debt. In XX/XX/XXXX, more student loans showed up my credit report which never did prior to the bankruptcy. My lawyer reopened my case with the courts to have these included in my bankruptcy since these companies XXXX  XXXX XXXX  XXXX didnt tell us when we asked in the original proceedings. They never responded to the court to argue that they shouldnt be discharged, so the court granted that Im no longer responsible for these loans in XX/XX/XXXX. They didnt show up on my credit report after the courts ruling. Then in XX/XX/XXXX, I went to apply for a credit card and I was denied because these loans popped again on my credit report. It said that I was in good standing and owed a {$0.00} balance but they were still joint accounts. This isnt true since the courts said Im no longer responsible for these accounts. I filed my dispute for both XXXX XXXX Equifax on XXXX XXXX. Within a week XXXX removed the accounts from my report increasing my credit score. Equifax denied my report saying consumer disagree with lender. I appealed and got same response. I have court documents saying Im no longer responsible and within a week XXXX recognized this and removed the accounts from my report but Equifax not only consistently ignores the court orders but then writes comments that I disagree with the lender when really its the lender who disagrees with the courts.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Transunion has destroyed my life. They ignore letters, send stall letters, or just send automated computer responses. They continue to violate federal law and act as if they are above the law. This is unfair, and has made my life hell.
Product: Credit reporting or other personal consumer reports

The 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 continue to note inaccurate and inconsistent information reported by TransUnion including, Amount Past Due, Date Last Reported, Date Last Active, Date of Last Payment, and Last Payment Amount. In XX/XX/2023, I raised a concern with the credit reporting from TransUnion via CFPB XXXX # XXXX ( see attached ). While TransUnion inaccurately reported to CFPB that a response was issued to me as of XX/XX/2023, I received no such update on the case until well after CFPB 's Feedback Due Date of XX/XX/2023. By this time, I had already been denied credit in XXXX and XX/XX/2023 which further impacted the damage to my credit profile from incomplete and inaccurate information furnished by TransUnion. When I attempted to retrieve my credit reporting file from TransUnion, I received a message stating that it was unavailable in XX/XX/2023. TransUnion did not send a mail until XX/XX/2023, acknowledging that they had not sent any communication relative to the case within a timely manner ( see attached ). Additionally, TransUnion inaccurately reported to CFPB in XX/XX/2023 that updates were made to accounts referenced in CFPB XXXX # XXXX. TransUnion did not perform update both accounts as of the most recent credit reporting which shows a Last Update Dates that precede my raised investigation in XX/XX/2023. I have now requested proof on multiple occasions showing account details and contracts, which has not been provided by TransUnion. I have requested reinvestigations, which seemingly did not occur by TransUnion. I have been told accounts were updated by TransUnion, which they were not.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : Chase account XXXX XXXX  To Whom It May Concern : I dispute the validity of Chase account XXXX. I request a investigation be opened for this account. I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? Thank you Sincerely,
Product: Credit reporting or other personal consumer reports

Dear XXXX previous XXXX XXXX XXXX XXXX I am writing to formally notify your offices that I am a victim of identity theft and fraud, and I am also a survivor of XXXX XXXX Fraudulent accounts, credit cards, and debts have been opened or incurred in my name without my knowledge or consent. These actions were not taken by me and were entirely against my will. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Credit Repair Organizations Act, I demand that all fraudulent accounts, negative items, and associated debts be removed from my credit reports immediately. I also request that any inquiries associated with these fraudulent accounts be deleted from my file. 

To protect my credit and prevent further misuse of my personal information, I also request that a fraud alert and/or credit freeze be placed on my file. Please update me once these safeguards have been implemented. 

This fraudulent activity occurred outside of my control as I was a victim of XXXX XXXX, a situation that stripped me of my ability to control or protect my financial information. I am not responsible for any of the resulting accounts or debt. 

I expect a written response confirming that all fraudulent accounts and entries have been permanently removed or blocked from my credit reports. If additional information or documentation is required, please contact me at XXXX or ( XXXX ) XXXX I appreciate your urgent attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX of government-issued ID
Product: Debt collection

I am a XXXX patient, XXXX does not charge for any XXXX related expenses if you have had the XXXX XXXX. XXXX has a contract to see XXXX patients. I told XXXX the {$50.00} should not be charged to me. I told I.C.system of XXXX, MN XXXX the same thing. I repeatedly gave I.C. system the account no : XXXX and I.C. System Reference No : XXXX and the true statements they repeatedly transferred me would not remove the charge and would not read me back the note that they had taken my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This XXXX, Capital One has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Transactions were going to the wrong people also I had many of transactions made from account without my knowledge I would go to make a purchase and see my money gone. I requested all info from account which took me awhile to even get through to a person on the phone and once I did it was someone who couldnt speak well and ended up never sending my information I asked for and called and spoke to more than one person on matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year>XXXX  To Whom This May Concern, I, XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware, or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX
Product: Credit card

Bank of America changed my mailing address on the account based on receipt of forwarding information from the Post Office. I did not submit a change of address to the post office and I did ntot relocate my Bankcard statement was mailed to another persons address. this is a violation of my financial privacy and XXXX. Bank of America should not be acting upon forwarding information to change addresses as it can compromise accounts, create identity theft and violates federal laws
Product: Credit card

I opened a " Kohl 's '' charge account which I always have paid more than the amount due. I did not always receive my bill on time, a few times I had been late. I found that I was being charged more than what I owed because of them adding a very high late charge, when I had already sent in the payment. The last time I got XXXX of these late charges I paid it with a small balance on my account. I owed nothing. Next thing I know they send me a bill with a late charge as the balance and a interest amount on top of it. I contacted them and told them what was going on and they just kept trying to collect it, I then received another bill and a phone call, on the call I explained to them what had happened and they told me that there was nothing they could do. I asked to speak to a supervisor, when I did I explained that my bill was already paid off in whole and that their whole balance was in late charges added after the fact. She said she would take XXXX fee off but not the other. I told her I would not pay either XXXX. I recently received another bill with the amount showing an additional charge for delinquency and they also reported me to the credit agencys to drop my credit score. This is why I stopped getting credit cards prior. This kind of abuse of their using my account to try to make money they are not owed. I also told them that I would not pay for late charges after my bill had already been paid in full and I was reporting them.
Product: Credit card or prepaid card

This complaint is reference to Barclays Bank credit card services. I have no specific dates because there have been so many times I have called to try and fix this. I have been dealing with this for over a XXXX now. The amount fluctuates every month. Right now its XXXX. 
It started when I first received my credit card. Before I even used the card fraudulent charges started occurring right away. They would take the charges off but then it would happen again and again. So I made the decision to close my account. So assuming if I closed it no more charges would occur but they did. The fraud charges kept happening even with account closed. Then I started getting billing statements for the fraud charges. I call and they keep saying that its fixed yet I keep getting statements and it is also showing up on my credit report. I have trying to fix for XXXX and each time they say its fixed but clearly its not! I did try to dispute through all XXXX credit bureaus and they said its accurate but clearly that is not right! I did receive a letter from Barclays XX/XX/2022 stating they completed investigation and agreed to change and that it will be removed but they have not! This is my last resort and dont know what else I can do. This is affecting my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with transunion XXXX and XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach out to FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided 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
Product: Student loan

I had a series of student loans originally obtained from XXXX but which were consolidated and then serviced by XXXX XXXX. The interest rate was locked in for the life of the loan ( only XXXX loan since the consolidation took place ) and have thereafter been paying the loan off monthly and have never missed a payment. Some time last year ( I believe ) the loan was transferred to NAVIENT and I continued paying off the loan. Again, never missing or late with a payment. Since I have the loan paid to NAVIENT via my online bank XXXX I noticed that my last months payment had gone up {$30.00} per month. I contacted NAVIENT by email and informed them that since my loan consolidation was at a fixed rate of interest for a fixed time period, unless they could provide me with a logical and SPECIFIC reason for the increase, I had no intention of paying the increased charges. I received an email from NAVIENT stating " after a review of your loan, we noticed that the minimum monthly payment amount needed to be modified to allow the loan to be paid off in the agreed upon timeframe. As a result, we adjusted your monthly payment amount so that your loan will be paid off as scheduled. The interest rate on your loan has not changed. '' I so not find this to be a satisfactory response in that when the loans were consolidated the lender and I both agreed to a specific interest rate and number of payments to satisfy my obligation. 
I further understand that there has been an extremely large number of complaints filed against NAVIENT since they took over collecting student loan payments and I can now understand why this is happening. I also understand that the Government is considering, suing NAVIENT for their methods and operations if they have not already initiated such an action. My attempts to deal with NAVIENT representatives has proven fruitless. Their telephone reps are ill informed to say the least. Additionally, they call me daily regarding this matter but when I call them back, the reps are not qualified to discuss the issue. It seems that this whole effort on their part is a ruse to increase their income or profits. It seems I have no other option to file a complaint with your agency with the hope of ultimately getting these people out of the student loan collection business.
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. 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 In accordance with the Fair Credit Reporting act U S DEPT OF EDXXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act US DEPT. OF EDUCATIONXXXX 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: Checking or savings account

I am a current Chime account holder and have attempted to resolve this issue since late XX/XX/2023. After returning from out of town travel during the weekend of XX/XX/XXXX, I learned that someone had accessed my Chime account and attempted to make a purchase. Chime did not notify me of the attempt to access my account, despite having my account set up to receive text notifications for any purchases. Not until I contacted them directly was I informed that a hold had been placed on my account. This occurred on or about XX/XX/2023. On the call with Customer Service, I was informed that there would be a XXXX day hold while they investigated. I was also advised that there was no way for me to access my funds during this time. I was instructed during this conversation to verify my mailing address and that a new Chime card would be issued to me. Over the past XXXX weeks, I have contacted Chime on at least XXXX separate occasions haven spoken with both Customer Service and also requested an escalation as I STILL have not received my new card nor do I have access to the money in my account. I have been told repeatedly that the card is being sent. I have also been instructed that the card was being sent via overnight mail ( two weeks ago ). As recently as Saturday, XX/XX/XXXX, I spoke with XXXX, who indicated that she is a Supervisor. Her phone number is XXXX. This was the third time that I had spoken with her about the status of my card. After threatening to report Chime 's business practices to the appropriate regulatory agencies, XXXX indicated that the card would be sent via overnight mail. On Monday, XX/XX/XXXX, I requested the tracking number for the overnight shipping of the card. I have checked for the past XXXX days and the tracking shows no updates. Chime has repeated lied and failed to take the appropriate steps for me to be able to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$290.00} XXXX XXXX Balance : {$250.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App 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 inconvenience and financial loss, and I seek appropriate redress of these violations.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my copy credit report And had a fraudulent account