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

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : TD BANK XXXXTARGET 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

On XX/XX/XXXX, Hurricane Irma damaged my town, in Southwest Florida. It resulted in me losing my job. I was unemployed a few months. I fell behind. They allowed me to do a repayment plan. They waited for 3 months after the disaster to report payment history on customers ( XX/XX/XXXX ). From that point forward they reported me late at 120+ days even though I was paying. My issue isn't that though! I was grateful for this assistance. My issue is that I am now paid up to date and they said they will not report it to the credit bureau because I am in a disaster zone. Well, that " benefit '' has been lifted for over 6 months now! They reported me badly all during those repayment months and now that I am completely up to date ( I have XX/XX/XXXX paid as well ),  they will not report me current. It shows I haven't paid since XXXX. The disaster excuse is completely an excuse and a lie. When I review the payment history on their website, they take my payments and put them in an " Unapplied Funds '' account. I keep asking that they to not do that, and to pay my mortgage. They claim they are considering it payment for mortgage. There is a major clerical error going on and it's not only hurting me, it's hurting my mother 's credit who co-signed for my mortgage. She is moving into a community that does credit checks. Her credit is in the 500 's because of this! Why are they punishing hurricane victims this way? I made no claims against my insurance policy. I never have! Not reporting on bad credit scenarios is one thing. But those hat are paying should not be punished this way! I am very concerned that if they have this many errors going on, I will likely be file lis pendens upon, and be in a foreclosure status soon.
Product: Credit reporting or other personal consumer reports

I was an existing customer and opened a new checking account in XX/XX/year>. In XX/XX/year> I inquired about a line of credit. A representative provided the information and I decided that I would hold off on it and think about it. In XXXX, I received a letter from XXXX  XXXX  stating that my loan had not been approved due to an incomplete application. I asked why did I receive the letter and they informed me that my credit wasnt pulled it was because my application wasnt complete. I informed them that never applied for anything, nor did I give written nor verbal permission to have my credit pullled nor start an application. I have asked several times for this issue to be escalated to management and various customer representatives have given me invalid reasons as to why I have a hard inquiry on my Equifax credit report. I provided the date and time in which the call occurred so they could pull the recording to verify and nothing has been done. I also provided a screenshot of my credit report for proof. The hard inquiry in XX/XX/year> was a violation of my consumer rights and needs to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed things on my credit report that where incorrect
Product: Money transfer, virtual currency, or money service

I used the Abra app on my phone to purchase Bitcoin back in XX/XX/2021. I would check my balance from time to time and all was well until recently. Now, I show a zero balance for my bitcoin. I contacted Abra immediately via their website using their Chat feature. I was promised that customer support would respond back to me via email but they have not. I tried again to contact them via their Chat feature but now they no longer allow me access to my account! Abra has essentially stolen my Bitcoin.How can I recover it?
Product: Student loan

My husband and I co-signed XXXX loans through WF when our daughter started college in 2010. We were VERY hesitant about c0-signing, but since the financial aid she was receiving was not enough to cover the cost, we felt like our hands were tied. We were assured it was relatively easy for the student to remove us once she graduated and began repayment. Here we are 6 years later, she dropped out of university, went to a XXXX college, incurring more student loans and left that without a degree. She works for minimum wage, married to a guy who refuses to work, and she has decided that she does n't " ca n't '' pay the loans. Which means WE are now paying the WF student loans we co-signed and she has no intentions of repayment. Her husband has said " let your parents pay it. '' I am a XXXX and have my own student loans that I will be re-paying until AFTER I retire. AND now I 'm stuck with her loans. I am frustrated because I feel like this system is enabling my daughter to be financially irresponsible. If she does n't pay, we have to pay or our credit is affected. We pay her loan and her credit looks great. I am aware there are thousands of other parents who are stuck paying their adult children 's education loans, further enabling this generation to be drop-outs and irresponsible. Are there any solutions? Why wo n't WF go after HER for payment, instead of forcing us to pay? Are there any programs available for parents in our situation? We know that when we co-signed we were legally agreeing to pay in the event our daughter could not, however our hands were tied. Federal financial aid said we were responsible for paying part of our daughter 's college education ( which is ridiculous - I 'm a XXXX in AZ! ), and in an effort to be supportive of her furthering her education, we felt guilted into co-signing her loan. Afterall, did n't we want our child to be a part of the American dream and help her succeed as a responsible citizen? Now I see this whole situation as a means of entitlement for this XXXX generation, and the government and financial institutions are encouraging their lack of responsibility. Why ca n't Wells Fargo go after my daughter, garnish her wages, hold her accountable? Why does the government expect parents who are making ends meet expected to pay thousands of dollars per semester for their children to go to college - especially when they are trying to repay their own student loans? There has to be a solution for this. Is there a grass-roots movement out there working to change this? Parents should not be responsible for paying their ADULT children 's educational loans. Why ca n't WF force my child to pay her debts?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple letters to Transunion regarding fraudulent accounts reporting on my credit report and By law these accounts must be removed. I created FTC identity theft reports as well. According to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, CRA 's must ; ( 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 ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

XXXX had a data breach where my information was stolen and now i have accounts, inquiries, unpaid debts that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XX/XX/2017. XXXX XXXX should not be on my credit report. It should be removed and my credit score should be higher. I want my credit cleaned up. I have clean credit with no problems in paying on time.
Product: Credit reporting or other personal consumer reports

I'm requesting that these inquiries be deleted off of my credit report because I don't recognize any of the transactions nor did I authorize these companies to run my credit and that is a fraudulent act. Dates ranging from XXXX XX/XX/year>.
Product: Debt collection

Opened XXXX XXXX LVNV FUNDING LLC {$430.00} My personal information was sold to this company and that is a violation to my FBRA rights
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting this complaint regarding my credit profile, I've disputed these items XXXX with no change from the credit bureaus to update and or remove inaccurate information reporting .This issues negatively impacting my financial situation. 
I would like this CFPB to insure that these unauthorized and inaccurate items be corrected ASAP. I trust the CFPB to review this matter and insure that the complies with your applicable regulations. Thank you and Happy Holidays!

below are account in question : XXXX XXXX - ( incorrectly reporting and paid in full and was to be removed ) XXXX  XXXX- Not licensed to collect in my state. 
XXXXXXXX XXXX XXXX XXXXXXXX - according to FCRA this reporting well over 7 years, also is a collection reporting a balance. 
XXXX XXXX XXXX- This account is unknown with no proof. 
XXXX XXXX -According to the FCRA this account is a charge off and should not be reporting a balance, this is a violation. 
XXXX XXXX - no license to collect in my state.
Product: Student loan

My student loan servicer changed from XXXX XXXX to Aidvantage, and I am attempting to apply for the PSLF waiver. I have never missed a payment since I graduated in 2015, but in using the PSLF help tool Aidvantage is reporting zero payments made. I am afraid I am going to miss the PSLF waiver because these companies can't keep their records straight.
Product: Debt collection

XXXX Cancelation and Debt Collection Scam I attempted multiple time to cancel a XXXX  service, only to have the same tactic used twice to try and stop it from happening. The tactic goes something like this : XX/XX/2021 @ XXXX pm ET XXXX representative : How can I help? 
Me : I want to cancel my line tm rep : can I have a call back number in case we get disconnected? 
Me : Yes, my XXXX cell phone number is xxx-xxx-xxxx tm rep : ok you want to cancel, It appears you have a balance due, can you make that payment today? 
Me : Yes, I can pay the balance outstanding <which I did, paid in full> after making the payment> tm rep : ok, let me step off the line for just a minute to assist you with that. I'm back XXXX XXXX, can you hear me? 
Me : Yes, I can tm rep : XXXX XXXX are you there? 
Me : Yes I am tm rep : <hangs up without cancelling the line or calling me back on the callback number I gave them, this exact process happened again on XX/XX/2021 at XXXX am ET> On my third attempt ( XX/XX/2021 @ XXXX pm ), I recorded my call and had the tm rep acknowledge that my line was requested to be canceled as of XX/XX/2021 and that any outstanding balance was removed from my account. Since the third call I have been contacted by a collection agency ( Convergent ) and t-mobile with additional past due notices.
Product: Payday loan, title loan, or personal loan

Credit Karma told me I qualified for several loans. I then applied, ALL of those loans were denied, resulting in several inquiries on my credit report and hard hits. My score is now trash. When I contacted them, they pretended not to have any account with me even though I have a checking and savings with them. It was only after I threatened to report them that they asked for more information to find my account.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct.XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law office LLC XXXX : [ XXXX XXXX Ct file No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Stillman Law offices Llc I am responding to your contact about collecting a debt. You contacted me by mail on XXXX XXXX and identified the debt as XXXXXXXX XXXX XXXX bought this account from XXXX and XXXX auto loan .I do not have any responsibility for the debt youre trying to collect. The statue of limitations applies to this debt, therefore, I do not owe anything. 
Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX and XXXX have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Bank account or service

I received a letter from Citizens Bank stating that there was an error in a closed account of mine, and that pursuant to a Consent Order from 2015 entered into with your agency that they were sending me a check for {$4.00} with no explanation or documentation to evidence how this amount was arrived at. I believe that the check amount is incorrect and have requested that they provide me with complete documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus make up things and place it on my credit rather than focusing on accuracy. They show payments for dates I don't have statements for. In addition the account was closed in 2014. Their dates don't match the facts I have.
Product: Student loan

In XXXX 2014, I consolidated all my federal student loans, which at the time were being serviced by Navient ( f/k/a XXXX XXXX ), under the Department of Education 's consolidation program. The loans serviced by Navient were paid in full and I began making my payments to my new servicer, XXXX. Recently, I was contacted by Navient and told that I owe them money from interest that had accrued on the loans that have been paid off since XXXX 2014. I should not owe them any money, because the loans were already paid in full.
Product: Money transfer, virtual currency, or money service

Paypal banned my account even though I explained every transaction that it came from my online service fee. I did graphic designs online, sell load credits and exchange payment tru paypal. 

I have no disputes and actually my paypal was created in XXXX. And they just banned it this year XXXX. 

I need this paypal account since this is where my income goes. 

Please help me recover my paypal account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER # XXXX ( XXXX XXXX XXXX ) This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft 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 identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO XXXX XXXX XXXX XXXX SENT TO Account XXXX XXXX XXXX XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS XXXX MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.
Product: Credit reporting

I paid my Tax Lien that was filed by the state of California and the lien has been released for several years now. I contacted the state office and asked them how to remove the lien of my credit but they keep referring me to the XXXX credit bureaus. I ha XXXX filed a disput with all XXXX credit reporting agencies several time but they will not remove the released lien. The credit agencies keep telling I have to contact the state. I feel like I 'm going in circles and can not find a solution. 

Please helpThank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the laws of the FDCPA, I have contacted the ALLEGED CREDITORS myself and they have been unable to verify the information they are reporting to you ; they have not even verified that these are indeed my debts.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed.
Product: Mortgage

XX/XX/XXXX to XX/XX/XXXX, {$450.00}, {$330.00}, {$100.00}, {$10.00}, {$100.00}, {$110.00}. I have called well over 20 times in this time frame to resolve a host of issues. I spend no less than 20 min on hold then another 25-60 min explaining and getting passed around. It is affecting my mental stability as I get anxiety every time I have to make a payment. The company has sent a doc and resolved 1 issue only to lead to another. Supervisors don't call you back. I have written a letter to the president of the company with no response.