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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my perm

ission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} TXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I made a purchase from a website that was fraudulent I tried to contact them with no results they claim they shipped and I receive the packages but I did not I have two tracking numbers proving that it says from XXXX that the labels were unrecognizable not readable and that the packages had to be relabeled I have no idea what they were re-labeled with where they were delivered or who receive them but I did not I opened a dispute with my credit card company and they rebuild my account without getting any proof for me my side of the story or anything
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( XXXX5 U.S.C. Sections 1681 ) Dear Sir/Madam, I am writing to file a formal complaint against Accounts/ Creditors listed below concerning their handling and reporting of my credit accounts in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602 A, 604 A, and 605 A. 
Charged off XXXX XXXX  Credit Card : # XXXX Charged off XXXX XXXX Department Store Account : # XXXX XXXX XXXX Bank Credit Card : # XXXX XXXX Auto Loan : # XXXX Despite repeated attempts to resolve issues with the above-mentioned accounts, I have encountered significant challenges in obtaining accurate information and rectifying discrepancies. Specifically, every request I have made to resolve these issues has yielded no results, violating my rights as a consumer under the FCRA. 
I have diligently requested documentation and information pertinent to these accounts, as mandated by the FCRA. However, above-mentioned creditors have failed to provide the necessary documentation or conduct thorough investigations as required by law. 
These actions or lack thereof have had a detrimental impact on my credit report, financial well-being, and rights as a consumer. I have made several attempts to resolve these matters directly with the institutions involved, but to no avail.I respectfully request a thorough investigation into these violations and the appropriate actions to rectify the inaccuracies and discrepancies associated with these accounts, in compliance with the FCRA. 
Your prompt attention to this matter and intervention in ensuring my rights as a consumer are upheld would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems reported to the Credit bureaus that I opened an XXXX XXXX XXXX  account on XX/XX/2023 and owed {$1300.00}. Then reported that I was delinquent and the account was open, which seriously hurt my credit rating. I do not have an open XXXX XXXX XXXX account. This debt was reported by other collection agencies last year and this was disputed and had to be removed. IC Systems is illegally trying to re-age this account. I am sending a letter to them requesting all account information.
Product: Credit reporting or other personal consumer reports

LexisNexis shows, according to their report, says that I am responsible for a civil judgement for default on a credit card that is not in my name, or did I ever apply for, or am legally responsible for. I have never been served or have I ever applied to the credit card in question. This is my wife 's sole responsibility, in which she applied using her own social security number. This judgement does not show up on any of my XXXX credit card reports, XXXX, XXXX or XXXX. I contacted them to have this removed and asked them XXXX  for a followup. I received no response from them.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding there are heavy storms and even possible Tornadoes in the Texas area so I understand there might be a delay in getting a response to my credit disputes ... but I have been disputing the information with Experian for the past 6 months. I am a little flustered that I have submitted in documentation to Experian such as a police report and a fraud affidavit and they continue to report unknown account entries in my file ... .. some accounts say they have been written off but fail to show the amount they have supposedly been written off for. I have several names and social security numbers in my file and I have provided them with my DL, social security card, passport and birth certificate and the fraudulent/unknown information remains. I don't understand the point in disputing information if no one is going to assist you. I will be filing a law suit if the following accounts are not removed by XX/XX/XXXX. I have given them apple enough time to correct the errors. XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Experian Report Number XXXX
Product: Debt collection

Ms. XXXX from Mcneil and Meyers has called my phone and left messages stating I need to contact her by the end of the day and if I did not she would send it to further processing and that " we can do this voluntary or involuntary ''. she has called me at my place of employment where I can not receive phone calls, the day she called my job and I answered the phone I had a patient that I was working with she refused to get off the phone when I told her I was at work and could not talk.
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 Cash App fail to make or take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore this 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 cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

i purchased my home XX/XX/XXXX i have the deed to show as well as the county. PHH mortgage is saying i purchased my home XX/XX/XXXX, i did a modification w them in XXXX my balance was 215k they advised me that they were going to put 55k  on the back of my loan but instead it was added to 215k which increased my balance they said after the modification my balance is 313k i have been going back and forth with them for awhile. i have been trying to do a refi but my balance is so high from the modification that i can do a refi. So I've been trying to get someone to assist me with this issue or help me understand. I've been in my home for XXXX  yrs and never missed a payment or did a refi. I did the modification for a lower payment which it was lowered by XXXX XXXX but that cost me 55k to my balance. my mortgage company is not helping me understand I've sent several emails and letter and i'm not getting anywhere. I did the forbearance this year XXXX so i understand this amount will be put back on my loan. but its not 55k I've never done a refi but even if i tried the mortgage company will take it XXXXyrs i should have plenty of equity but the mortgage company will be taking it. can you please assist me.
Product: Student loan

I graduated from XXXX University in XX/XX/2005. I have been paying on my student loans, the same amount ( set up by them, mind you, not me! ) {$130.00} a month. Religiously. Until a short period of time a few years ago, when they called me because they found out that I had gone back to school to complete Master 's degree coursework and insisted that there was nothing to lose if I wanted to take a break from a period of payments. I was hesitant to oblige-I hope they still have our conversation recorded. The woman was insistent. Kept saying that it would be senseless if I didn't take the deal. I was at work about to make a very important sales call, and I didn't have time to talk, so I acquiesced.

Recently, when I got my tax form for them for this past year, I noticed I still had a balance of over {$10000.00}! My student loans TOTALED {$16000.00} over 12 years ago. So in over a decade of time ( reducing the 2 years that I may have had loan forgiveness ), I managed to pay off only {$6000.00}? How is that possible? I have never missed a payment, nor have I ever been late with anything involving a payment with ANY COMPANY. Never been late with a credit card, mortgage, or any bill. My credit is outstanding!!!

Not only that, but the one time I did get to speak to someone who hassled me about taking a loan forgiveness period, I told them I had no way to access my account to see my info. I didn't remember my login or password ( still don't ). And when I try to use my own social security number and birth date as proof of my identity on their website, they say that they can not find a login associated with my info. So I go to register, and the website tells me that since I already registered, I can not log in as a new user. I tried this again today, no dice, so I called. I got noone. I left my phone number and name for them to call me back, and when they did, it went to a survey??? But I had never even talked to anyone, and frankly, I am so done with this. I want to know where my money has gone. This student loan should have been paid off a long time ago. My original account coordinator set it up to be paid off in 10 years! Granted, they were with Sallie Mae ... .Please advise on what I can do. I feel like I have been robbed! And continue to get robbed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX trafficking. The information listed below which appears on my credit report, is the result of that trafficking : I was incarcerated and then released and my case was dismissed due to my victimization. 

These accounts were illegally caused due to my status as a victim : Account Name/Balance Owed/Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I SENT OFF A CERTIFIED LETTERS ON XXXX XXXX TO XXXX,, TRANSUNION AND XXXX ASKING THEM TO PROVIDE ME WITH A METHOD OF VERIFICATION ON HOW THEY VERIFIED THE DISPUTED ITEMS AND I NEVER RECEIVED ANY PROOF OF HOW THEY VERIFIED THE DISPUTED ITEMS BELOW FROM ANYONE OF THE XXXX CREDIT AGENCIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING XXXX LATE PAYMENTS ON MY CREDIT REPORTS! 
XXXX, XXXX & XXXX PURSUANT TO 15 U.S.C 1681i ( a ) ( 7 ) IF CAN NOT VERIFY THE INACCURATE DISPUTED ITEMS ABOVE, THEY MUST BE DELETED OFF MY CREDIT FILE IMMEDIATELY PER THE FCRA. 

I HAVE UPLOADED THE LETTERS I SENT OFF CERTIFIED TO ALL XXXX OF THE CREDIT AGENCIES ALONG WITH MY SSN AND DRIVERS LICENSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX showing XXXX, XXXX of XXXX  incorrect payment status Account XXXX showing XXXX of XXXX  incorrect payment status -Also failed to report XX/XX/2020 payment status on my consumer report. -These account has never been late or had ever been late with another XXXX XXXX in the past. -They also failed to notify me at least 21 days prior my due date. Under U.S Code 1666b, they must do so in written to notify, but had never did so. Also under 15 USC 1681i ( 2 ) ( A ) ( i ) My transactions and experiences ( such as late payments ) between myself and the lender are excluded and can not be used to construct a consumer report. " The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) ''
Product: Student loan

AidVantage denied my federal loan refund which is authorized by the CARES Act -- On XX/XX/XXXX, I called AidVantage to request a refund of the federal loan payments I made during the pandemic, but according to AidVantage, my request has been denied by the Department of Education. I requested funds that I paid from XX/XX/XXXX- XX/XX/XXXX in the amount of {$5700.00}. AidVantage did not provide me with a clear explanation for the denial, and to date, I have not received my refund as promised despite multiple phone calls with AidVantage representatives. 

The AidVantage representative I spoke with on XX/XX/XXXX initiated my refund request without an issue, and per her guidance, I called again on XX/XX/XXXX to check the status. On XX/XX/XXXX, I was informed that the Department of Treasury was approving my refund and I should expect to see the funds in my checking account within XXXX weeks. However, I still hadn't received my funds. I called AidVantage again on XX/XX/XXXX ( spoke with XXXX ) and was informed that " my request did not go through the Department of Education. '' XXXX told me that refund amounts about {$3000.00} need additional approval and somehow my request was denied, although she could not relay the issue to me. Her explanations were rather vague. XXXX said she escalated my case for reconsideration. 

A bit of background - I continued to pay my loan payments throughout the entire pandemic, XX/XX/XXXX- XX/XX/XXXX, despite not being required to make payments. 
I wanted to take advantage of XXXX interest ; however, given the continued payments extensions, a need for my money, and uncertainty from a political perspective about student loans, I requested a refund. Also, I have a perfect history of paying my federal student loans on time since summer XXXX, so I do not understand why AidVantage is holding up my refund. 

I'm afraid that AidVantage is imposing their own rules for requested loan refunds, particularly for the extra approval hoops required for refunds above {$3000.00}. I am unaware that the CARES Act set any upper bound for loan amounts. I understood that any payments, despite the amount, are eligible for a refund. Additionally, AidVantage has not provided me with any written documentation/confirmation of initiating the refund which is also a concern since there is a lack of a paper trail.

Thank you in advance for your assistance! I hope that other folks are not in my situation!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( XXXX ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

Synchrony Financial, the servicer for my Lowes Store Card has been charging me a " Card Security '' fee which is set via a percentage of my balance, every month apparently since 2014. I use the card quite often and had never noticed it before. The problem is, I have NEVER signed up for this service, I refuse it on all of my credit cards as it is expensive and I pay my bills. I started going through statements as far back as the website would provide and there is a charge every month as far back as I can go. When I called to figure out what was happening the nice lady that helped me said it was a check box on my application -- I know I did not check it for reasons mentioned above. I have never and will never use that service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies continue to traffic my non personal information. I have reached out to XXXX of XXXX, XXXX, XXXX XXXX. I have put Equifax, XXXX, XXXX on notice of the fraud. It has been over XXXX days. All companies continue to conspire against me trafficking my nonpublic information without written consent or instruction by me the consumer. Causing damages, mental anguish, and defamation of character. Willing and knowingly violating federal law. I have made numerous complaints and companies continue to threaten and use abuse practice against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the error of XXXX. XXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed these accounts with the credit bureaus. It has been over 60 days and the fraudulent accounts are still reporting on my credit reports. I thought the credit bureaus had 30 days to complete an investigation 611 ( a ) and if they don't that is automatic grounds for deletion. Clearly it has been over 30 days. I am stressed out about this and being a victim of the Equifax data breach just makes the situation worse because my information could have gotten in the hands of scammers. These accounts should be deleted from my credit reports.