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

XXXX  has updated the following account on my credit profile but, they have still failed to provide me with an original signed contract with my signature on it. Under the FCRA section 609 and 611, XXXX  as violated my consumer rights by not adhering to the law. Section 611 ( 5 ) ( A ) states you are required to promptly delete all information which can not be verified. The definition of verify, according to the black law  dictionary is to confirm or substantiate by oath ; to show to be true. Particularly used of making formal oath to accouuts, petitions, pleadings, and other papers. Contract law states that the only way to contest a affidavit is to respond another affidavit. According the black law dictionary an affidavit, a written or printed declaration or statement of facts, made voluntarily, and confirmed by the oath or affirmation of the party making it, taken before an officer having authority to administer such oath. XXXX  failed to respond to my previous sworn statement of dispute affidavit with a another sworn statement of dispute affidavit which is against contract law. Also, section 605-B ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a  copy of an identity theft report ;. Furthermore, under the FDCPA section 809 states if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a )  of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collection. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. If the following accounts are not delete immediately from my credit profile. XXXX XXXX/XXXX  Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX/XXXX   Account # XXXX Opened XX/XX/XXXX in the amount of {$300.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$19000.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$200.00} XXXX XXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX in the amount of {$250.00} XXXX UNIVERSITY XXXX Account # XXXX Opened XX/XX/XXXX in the amount of {$500.00}
Product: Checking or savings account

I was supposed to have my paycheck direct deposited to my account on XXXX  in the evening. When I logged into my account, my paycheck had not posted. 
I logged onto my account on XX/XX/scrub>XXXX XXXX XXXX  and still, my pay check had not deposited. I waited until I got off work and checked my account again and my money had still not loaded. 
I attempted to call the company at this point and sat on hold for a very long time, when the call was answered, it hung up immediately. I then tried to call back several times after that with no answer. 
After doing some googling, I found that I was not the only person having a problem with this, but it was happening nationwide. 
There was very little to no explanation as to what is happening but here I am at day XXXX, still no money in my account and declined transaction alerts coming in left and right! 
Where is my money???? 
Please help!
Product: Credit reporting or other personal consumer reports

I have an account for {$900.00} reporting as unpaid from XXXX XXXX. It has brought my credit down over XXXX points and a credit card I had for over 20 years was brought down to a {$500.00} limit. I was turned down for a home loan because of it and I never made the credit card. I called and they couldn't give me any information. I keep getting letters requesting payment for a credit card that I never used. I have never been late on a credit card. The only credit card I had for the last 15 years is XXXX  XXXX XXXX and you can check and see I have NEVER been late!
Product: Student loan

Application to decreased the amount due per month to reduce the monthly payments as well as recertification to be continued in the PSLF program with my current employer at a not for profit with verification as requested by loan servicer, MOHELA. 


XX/XX/XXXXXXXX  : Application for PSLF was initiated. 

XX/XX/XXXXXXXX  : Income Driven Repayment [ IDR ] Application submitted on student.aid.gov website. 
IDR monthly amount was projected at XXXX on the Income-Contingent Repayment Plan. 

XX/XX/XXXXXXXX  : PSLF reapproved on Federal Student Aid website XX/XX/XXXXXXXX  : PSLF acknowledged by MOHELA XX/XX/XXXXXXXX  Federal Aid website states the application was reviewed and processed. 


XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  Administrative hold was placed on account. 

XX/XX/XXXXXXXX  No solution after a phone call to reach an understanding after 94 minutes on the phone with MOHELA. 

Application was still " pending " Customer service stated they were processing applications submitted in XXXX. 
My application was submitted in XXXX and there was no reason to be determined as why it was not approved and the status of the application. 

XX/XX/XXXX Second request to switch to IDR submitted on the Federal Student Aid website. The amount projected remained the same at XXXX XX/XX/XXXXXXXX  Direct withdrawal for payment was completed by Mohela from checking account No updates were able to be given by loan servicer. Next payment is due XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : T XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX
Product: Credit card or prepaid card

Dear Victoria Secret, Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Product: Debt collection

Not sure where this is from. 
I closed my XXXX account in XXXX 2016 ; and even received a credit check back for unused service. 
Also, my condo association changed to XXXX in my complex, XXXX 2016 and they checked my record and again did n't indicate I owed any past debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 n 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 us rept but they refused they had me on mute for 4 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!
Product: Debt collection

XX/XX/2021 Sent a letter to validate the debt and to cease collections of the debt as it is outside the time frame to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX # XXXX has XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seveXXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fradulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a mailer from XXXX XXXX XXXX Rate Genius offering a " pre-qualified '' auto refinance offer. I went to XXXX to check it out. I entered their Pre-qualified code, my name, address and birthday. The site asked for my SSN. I DID NOT enter this and ended the session because I didn't want my credit pulled. I was simply interested in the information. 
A credit inquiry was made to XXXX  without my approval. An alert shows it was pulled by RG/ XXXX XXXX XXXX XXXX on XX/XX/2020. 
I called XXXX XXXX  XXXX XXXX. They claim they did not pull my credit and only use XXXX  to pull reports. They instructed me to contact Rate Genius. 
I called Rate Genius and they confirmed they pulled my credit. I asked how they were able to do this without my approval. They could not explain it. 
Now, my credit score will be reduced for an inquiry I did not approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX. I've never had an account with this company. The original creditor is not listed on my credit report, so I am asking for the deletion of this account. Another report lists a different company as the original creditor which I have already set up payment plans so I am confused as to why XXXX XXXX is reporting anything. The balance is not even the correct amount that is showing on my credit report. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer re
port containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries were disputed on XX/XX/18 with no response. They should be deleted per the FCRA guidelines. I have waited more than enough time. Just an FYI, these inquiries were deleted from my XXXX File.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  XXXX  
XXXX
XXXX  XXXX  
XXXX  XXXX  XXXX  XXXX   XXXX
XXXX  XXXX/XXXX  XXXX XXXX  XXXX  XXXX  
not mine 
and address 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS CREDIT REPORTING AGENCY ( XXXX ) IS ( ARE ) BIAS AGAINST CONSUMERS AND ONLY ACCEPT AS EVIDENCE WHAT THE CREDIT CARD OR REPORTING COMPANY ( XXXX  ) REPORT TO THEM. I WAS ISSUED A CREDIT CARD BY XXXX XXXX XXXX   WITH A CREDIT LINE OF {$1000.00}. I USED THE CARD AND MADE REGULAR PAYMENT, AND KEEP A RELATIVELY LOW BALANCE.

IN THE FALL OF XX/XX/XXXX I NOTICED FRAUDULENT ACTIVITIES, I REPORTED TO XXXX XXXX XXXX AND THEY CANCELLED THE CARD, SENT ME A NEW CARD AND ELIMINATED THE BALANCE. THEY ISSUED A NEW CREDIT ACCOUNT AND A NEW CARD WITH XXXX  ( XXXX ) BALANCE, IT WAS A FRESH START. THE NEW CARD ARRIVED MID XX/XX/XXXX. ON XX/XX/XXXX I ACTIVATED THE CARD AND USED AROUND CHRISTMAS AND MADE 3 PURCHASES TOTALING {$430.00}, THERE AFTER NEVER USED THE CARD AGAIN. IN XX/XX/XXXX, I RECEIVED THE FIRST BILL WITH A BALANCE OVER {$3000.00}. I WAS SURPRISE, HOW IF I ONLY HAVE {$1000.00} CREDIT LIMIT THE BALANCE CAN REACH SO HIGHT. MANY TRANSACTIONS AND CASH ADVANCES FROM FLORIDA, NEVADA, NY AND OTHERS PLACES WERE MADE. PAYMENTS AND PURCHASES FROM MANY PLACES. AS SOON AS I REPORTED, CREDIT ONE SENT ME A NEW CARD, I DID NOT ACTIVATED, HOWEVER THEY STARTED TO REQUEST PAYMENT AT THE SAME TIME. I KEPT TELLING THEM THAT IS NOT MY BALANCE, I DID NOT CHARGE ANYTHING AFTER XX/XX/XXXX. THEY CONTINUE TO THIS DAY HOLDING ME RESPONSIBLE AND REPORTING LATE AND NEGATIVE INFORMATION ABOUT ME.

I HAVE CONTACTED THE THREE MAJOR CREDIT BUREAU TO INVESTIGATE, HOWEVER THEY ONLY ACCEPT AND BELIEVE THE CREDIT CARD COMPAY, XXXX XXXX XXXX. THE FRAUD CONTINUE AND CREDIT ONE KEPT PURSUIT ME TO PAY. I KEEP TELLING THEM, I DID NOT MADE ALL THOSE CHARGES.

I AM TIRED OF THIS AND THE DAMAGE THE NEGATIVE WRONG INFORMATION CREDIT ONE CONTINUE TO GIVE THE CREDIT BUREAUS. I HAVE CONTACTED THE 3BUREAUS AND THEY CONTINUE TO REPORT THE BAD INFORMATION.

THIS HAS AFFECT MY CAREER, MY JOB, MY LIFE AND HAVE MADE IT DIFFICULT TO CONDUCT BUSINESS BECAUSE THE THREE MAJOR BUREAUS CONTINUE TO REPORT DEROGATORY. I HAVE ENOGHT EVIDENCE AND WILL PROVIDE IT TO YOU, AND IN COURT. IF YOU AS CONSUMER PROTECTION AGENCY DON'T DO YOUR JOB, AND ASK THE THREE BUREAUS TO STOP ACCEPTING NEGATIVE INFORMATION FROM XXXX XXXX XXXX, I WILL SUE THE BUREAUS. I WILL SUE THIS AGENCY FOR FAILING TO PROTECT MY RIGHT.
Product: Credit reporting or other personal consumer reports

Equifax allegedly verified the account XXXX XXXX. This account has not been verified as accurate and no investigation has been done to confirm this account because they did forward any documents as required by federal law. Now if you performed a reasonable investigation there should be evidence of such and not hearsay. This is my final attempt to get Equifax to follow laws as outlined to protect consumers. If you fail to provide the necessary documentation I do demand you pay the arbitration filing fee because I will be pursuing my claims against Equifax seeing how youre the only consumer agency reporting this account and the information must match across each consumer agency.
Product: Credit card

Capital One closed my accounts ( x2 ) over " failing to meet card policy expectations '' yet 1. ) these expectations were not clearly defined and 2. ) I am assuming it was over a missed payment on one of my accounts which was the first time I had missed a payment with Capital One plus on my other account, the balance was not even due yet ( due XX/XX/XXXX ) so they closed this account without even waiting to receive payment on this. I feel that while I did miss a payment, I feel that this is wrong for Capital One to close BOTH of my accounts without even so much as reaching out to me to let me know of the consequences. From XXXX to XX/XX/XXXX, they stated that my payment was due and late, however, late payments are after 30 days and I had made my XXXX payment on XX/XX/XXXX which covered previous charges- they even reported this payment as late to the credit bureaus which is fraudulent as the payment would have only been late by a few days, not 30 days. I recently lost my job and fell on hard times but I had full intent to pay my card balances as I have done numerous times in full in the past. I am even starting a new job on XX/XX/XXXX so this really hurt me. I spoke to two customer service representatives who couldn't even offer me an explanation and only gave a vague response of " you violated card holder policy ''. I even went ahead today and paid the balances on both cards in full ( see attached for proof ). I am extremely upset and disappointed in Capital One as I valued doing business with them. I feel extremely wronged and I am just asking that Capital One considers this decision and re-open my accounts. That is all I am asking for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date Of BirthXXXX SS # : XXXX XX/XX/year> Experian Experian XXXX XXXX XXXX XXXX, TX XXXX RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please Remove it from my credit report. 
XXXX. XXXX Account Number : XXXX Please Remove it from my credit report. 
XXXX. XXXXXXXX XXXX XXXX 
Account numberXXXX Please Remove it from my credit report. 
XXXX. XXXX XXXX  XXXX. 
Account number : XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 

XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX. DEPT OF ED/XXXX  Account XXXX Please Remove it from my credit report. 
XXXX XXXX XXXX XXXX XXXX Account number:XXXX Please Remove it from my credit report. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  documentation