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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX XXXX XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Checking or savings account

Just reporting a fraud attempt. Someone tried using my social security number to open two bank accounts. 

One with : XXXX XXXX XXXX and one with American Express Personal Savings. 

Both banks have been notified by phone to log the applications under fraud.
Product: Debt collection

A debt collection agency named Radius Global Solutions placed a tradeline in my consumer reports without providing information regarding the alleged debt they are attempting to collect. They are violating my rights to privacy per the Privacy Act of 1974 5 USC 552a, damaging my reputation per 15 USC 1692d ( 1 ), reported unvalidated information, a violation per 15 USC 1681s-2 and have not allowed me the chance to dispute the account a violation per 15 USC 1692g and 12 CFR 1006. This company has not provided me any disclosures as required per the Debt Collection Rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had questions about my TransUnion credit report ( through XXXX XXXX XXXX ), and the customer service rep advised me to pull my free annual credit report through TransUnion 's website. 

I pulled my free report through TransUnion, then noticed a charge from them on my credit card. I checked my email, and they had, without my consent, signed me up for a monthly credit reporting subscription service with a {$25.00} fee. They had me input my credit card number when I made an account and requested my free report - no where in that process was I asked, or did I authorize, to sign up for a cost-based subscription to be billed to that card. There is also no ( or at least no clearly visible ) way to cancel this subscription online, and thus you must cancel by phone. 

I called TransUnion and had the service cancelled, and will be filing a billing dispute with XXXX XXXX. TransUnion, as one of three credit reporting agencies in the U.S., should not be able to scam American citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Rounds of dispute letters have gone to the credit bureaus - Equifax, XXXX and XXXX about the removal of the negative and false information on derogatory accounts being reported on my credit report but I DID NOT GET EVEN A SINGLE RESPONSE from them. These are the accounts I am talking about : XXXX XXXX Account Number : XXXX, XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX/XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX  I Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account XXXX : XXXX EMPLOYER : XXXX  XXXX EMPLOYER : RETIRED PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

My account information with XXXX XXXX is being refused to be given to me as they have charged off my account and they are now letting a third-party collector dictate their terms to me. The third-party collector is XXXX XXXX XXXX. I was informed that they had already tacked an additional XXXX XXXX dollars on to the original balance with XXXX XXXX and they intend to charge additional fees on top of that. I do not believe that a government agency or dod contractor should deny a consumer his personal account information. Does this not violate any of California 's Consumer Protection laws?
Product: Debt collection

The following account does not belong to me : XXXX XXXX XXXX This is resurgent/LVNV fundings second time purchasing a fraudulent debt. I have attached proof of them dismissing a fraudulent account before that they attempted to verify. I am highly disappointed and I believe that some kind of disciplinary action should be taken. I will be speaking with my legal team today regarding this matter.
Product: Student loan

FedLoan Servicing took over as my student loan service provider after I submitted paperwork for Public Service Loan Forgiveness. I did not receive notification from FedLoan Servicing until XX/XX/XXXX, which was in the form of an email that only provided information on setting up my account with them. On XX/XX/XXXX, I received information in the mail from them describing repayment options and student loan forgiveness. They also provided information about my first payment, which was scheduled to be due on XX/XX/XXXX. The letter detailing this information was dated for XX/XX/2016, three days before that first payment was due. 
After setting up my account to see if it was possible that it was a typo and actually meant XX/XX/XXXX, I noticed that my student loans were labeled as delinquent. I contacted FedLoan Servicing today and spoke with a customer service agent, who notified me that my delinquent status would not affect my credit score or my chance for student loan forgiveness. The person I spoke with also notified me that FedLoan Servicing provides a 15-day " grace period '' for payment. This information was not provided to me in any of the documents I was sent via mail or email. 
I do not believe that I was given sufficient notice for payment from FedLoan Servicing, nor was I informed that there is a 15-day grace period to pay until after I called to speak with someone.
Product: Student loan

I have had several problems with Navient Student loan however currently even though I am making payments on my sons loan ( co-signer ) because they sent threatening letters to me ( co-signer ) and ruined my credit, because he was out of work and unable to pay. they were unwilling to work with him or us they were rude on the phone and very poor customer service. Despite my wife and I ( co-signer ) have payments being directly sent from our bank every month regularly before payment due they are charging us LATE fees even though payments are on time!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data werestill incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Items that were not on the initial loan estimate were subsequently added to following closing cost details and settlement statements. The services and amounts charged kept changing and I was denied the opportunity to fill out my own loan application for an amount that would include repairs and upgrades. I was charged for items that should have been covered by the seller or lender and told the sellers credit was being applied to those fees, despite the addendum stating that credit was for repairs left unfinished by the sellers. The closing cost continued to changed and there are false charges to the Broker and a Pest company for septic/sewer/trash services. I was charged multiple times for the same taxes and recording services. I was never refunded or credited my earnest money deposit and my principal and interest payment change on the payment schedule despite having a fixed rate. When I questioned these things I was told by my mortgage officer that the VA required these changes or they wouldnt approve the loan. The closing package does not have all the documentation regarding fees paid, invoices for services, or even my credit reports. Im addition the deed states SINGLE WOMAN by my name. I brought these concerns to my agent, the title company, and my loan officer to no avail. I will upload all the documentation I have detailing my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Account Blocking and Deletion Due to Data Breach Pursuant to 15 USC 1681c-2 ( a ) Dear Sir/Madam, I am writing to formally notify XXXX that I am a victim of the recent data breach involving your company. As a result of this breach, I request that all accounts associated with my personal information, which may have been compromised, be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681c-2 ( a ), individuals affected by data breaches are entitled to have fraudulent or compromised accounts blocked and removed from their credit reports to protect their financial identity. Given that my personal information has been exposed, I am requesting that all accounts associated with my name, Social Security number, and other identifying information be removed. 
Please find attached a copy of my government-issued ID, proof of address, and any additional documents required for verification. I request that you conduct a thorough investigation of my credit file and block or delete any accounts or items related to fraudulent or unauthorized activity resulting from the breach. 
I kindly ask that you confirm the actions taken on my behalf and provide a copy of the updated credit report once the necessary corrections have been made. Please contact me at XXXX or via email at XXXX if you require any additional information or documentation to process this request. 
Thank you for your immediate attention to this serious matter. I trust that you will act promptly to protect my identity and ensure that no further fraudulent activity is reported on my credit file. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, After months of trying to get these inaccuracies fixed on my credit report. Dates are incorrect and other issues as well. I have disputed now, i'm fed up with the lack of response from the credit bureaus. This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX at the end of XX/XX/XXXX. The lease ended XX/XX/XXXX. All payments were made on time. I leased a new XXXX XXXX in XX/XX/XXXX and was told I would not pay a disposition fee on the XXXX car. When I attempted to return the XXXX car at lease end, XXXX XXXX in XXXX XXXX, CA refused to accept the car. GM XXXX also refused to accept the car due to the covid pandemic. I made over one dozen calls and emails to XXXX to no avail. I had to store the XXXX XXXX  and pay insurance on the car against theft or damage. In XX/XX/XXXX I was contacted by GM Financial and they made arrangements with me to pick up the car at my home. After the car was picked up I received a bill from GM for a repossession fee and a disposition fee totaling {$710.00}. After repeated phone calls to The Lease End Dept, I gave up. GM Financial subsequently sent a " Charge Off '' to the credit unions and lowered the credit rating on my credit and my husbands credit over 100 points. I decided to file a small claims case against GM Financial XXXX. I contacted the Secretary of State to find the GM Agent for Service in Calif. All of the previous GM agents are suspended and there is no agent at this time. The Secretary of State legal dept could not help. I called the legal dept at GM Financial on XX/XX/XXXX. They said I would receive a call back in 24 hours - but no call came. I need to find someone to serve for my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I have filed a Police report and a FTC ID Theft Report.
Product: Credit reporting or other personal consumer reports

CFPB Complaint XXXX ; Equifax removed unauthorized inquiries XX/XX/XXXX as shown in the credit report ; However, against their own rules and FCRA regulations , added the incorrect information one month later. As stated, the following inquiries were removed prior according to prior reports and disputes and should not be added again per your regulations and FCRA regulations which provides provisions related to record accuracy and states identity theft is not part of a factual record. It furthers penalize the victim ( myself ) as this information lowers my credit score resulting in higher rates in loans and denial of credit cards. 
o XXXX XX/XX/XXXX Never requested credit with this organization; was removed prior. 
o XXXX XXXX XX/XX/XXXX & XX/XX/XXXX- Never requested credit with this organization; was removed prior. 
o XXXX XX/XX/XXXX- Never requested credit with this organization; was removed prior. 
o XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Never requested credit with this organization ; was removed prior. 
o XXXX XX/XX/XXXX- Never requested credit with this organization; was removed prior. 
o XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX- Never requested credit with this organization; was removed prior. 
o XXXX XXXX, XXXX XX/XX/XXXX, XXXX Never requested credit with this organization; was removed prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

l received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts that are still reporting on my Credit Report : DSNB BLOOM-XXXX-Balance $ XXXXDate Opened : XX/XX/2005 DSNB BLOOM-XXXX-Balance $ XXXX Opened : XX/XX/2005 DSNB BLOOM-XXXX-Balance $ XXXXDate Opened : XX/XX/2005
Product: Debt collection

On XX/XX/2020 I spoke with a young lady from Sequium Asset solutions concerning a XXXX report that appeared on my credit report recently. I informed her that I had disputed the charge and that the account was not mine. I confirmed my name and date of birth with her and asked how did they get this information being I had not given it to XXXX. she was rude and stated I had to have done this other wise she wouldn't have it. she continued to cut me off as I explained I'm trying to get to the bottom of what happened so that I can resolved it. she stated that her company does not delete at all. I stated to her can I speak with a supervisor and she stated no just her, even if I call back it will be just her. She insisted she take me down memory lane ( her exact words ). This was embarrassing and frustrating. She informed me that a fraud packet could take up to 45 days or settlement for 7-14 days. She continue to bully the situation stating they would not delete it off my credit. I am unclear of how to get through to this company or the information needed to dispute this comcast ( Sequium ). This call lasted 26 mins of resulting in tears and no incite other than take the settlement ma'am. I have no contract or documents concerning this account.
Product: Credit card

I purchased flooring material from XXXX XXXX on XX/XX/XXXX in the amount of {$6100.00}. It was backordered and due to be delivered on or about XX/XX/XXXX. The product did not arrive as scheduled and I was told the next shipment was scheduled for XX/XX/XXXX, but they could not confirm whether my flooring was on that shipment. I cancelled the order at this time and was issued a partial refund of {$3300.00} from XXXX XXXX. I was told this was the maximum they could refund because the company had filed bankruptcy. I immediately filed a dispute with the XXXX XXXX credit card ( Synchrony Bank ) for the balance of the refund, which is {$2800.00}. This dispute was denied. Dispute Synchrony Bank telling me I would received a letter explaining why the dispute was denied, I never received anything explaining basis for the denial. I called customer service and was told that it was denied because I had already received a refund. I filed three more disputes, off of which were denied with no explanation dispute the fact they sent me an email saying I would be notified of the basis for the denial. After the fourth dispute was denied, I spoke with a customer service representative who advised me that they needed " proof that the product was not received. '' I filed a fifth dispute on XX/XX/XXXX, and provided an email from the vendor confirming the sale had been cancelled. I received an email today stating the dispute was denied and that I would received a letter indicating the basis for the denial ( which I doubt I will since I haven't received any previous ones ). 

Section XXXX of the XXXX XXXX XXXX XXXX allows consumers to claim a refund from their credit provider if they are unable to resolve an issue with a purchase made using a credit card, point of sale loan, or other finance. 
Section XXXX applies in a number of scenarios, including : The product is faulty The product doesn't arrive The product isn't as described The seller goes out of business before providing the product or service The purchase is canceled or disrupted Section XXXX makes the credit issuer jointly liable for the transaction, along with the merchant retailer. This means that consumers can choose to pursue a refund from either the retailer or the creditor. 

To be eligible for a Section XXXX refund, consumers must meet certain criteria, including : Making a claim within XXXX days of the purchase Making a direct payment to the merchant I have filed a total of five disputes on this transaction, starting on XX/XX/XXXX, when I learned my product would not be delivered. The first three have been denied. All have been denied with no explanation, except the last one when I was able to get an explanation from a customer service representative. I do not understand why this can not be resolved in my favor. I clearly qualify under this XXXX. I purchased a product that was not delivered.
Product: Credit card or prepaid card

I paid {$470.00} on XX/XX/2019 and it was reversed to another account without my authorization