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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit card

A Lowe 's credit card was opened in my name by Synchrony Bank. There were more than {$10000.00} in charges in my name on an account that I did not authorize. 
I reached out to them multiple times and have been told many different things and passed around to different people giving different answers. I was even contacted by the police regarding someone attempting to use a fake ID at Lowe 's in my area and was given a police report. I submitted this information to them and still they only cleared only a portion of the fraudulent charges. I have been more than patient in giving them the opportunity to correct this issue, but now it is affecting my credit rating. I am hoping that CPFB will be able to help resolve this matter for me because I have had no success.
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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 or other personal consumer reports

Self still has not presented me with the 3 discourses that were requested. Self never gave me 3 disclourses at time of opening an account giving me the opportunity to opt out a 3rd party from reporting our transactions and experience. Also, Self stated consumers do not have the option to opt out there personal information Self also stated credit reporting agencies are excluded from being considered a 3rd party. Self also stated that they are a data furnisher I never received clear information at the time of the application that self is a Data furnisher. Self also stated they do not solely report transactions or experience. My report being reported as a missed payment is an experience between the consumer and creditor and or data furnisher as self-calls itself.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent account appearing on my credit report is : XXXX I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not remove the fraudulent account. Meanwhile, the two other credit bureaus removed the fraudulent info .This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable. 
Their inaction is making my life unfairly difficult.
Product: Student loan

Discover bank purchased my student loan from XXXX. I have been trying to get a Truth In Disclosure document from the bank. I have been given the run around by saying that they need to wait for documents from XXXX. My initial call was in XX/XX/XXXX and I have been calling them to check my status since and I have been getting the same answer ever since. I am trying to refinance my loan and I need this document to do it. This is a severe impediment and I am losing money because the interest rates are going up and I am at a loss at what to do here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity theft, Equifax is still reporting a charged off account from XXXX XXXX ( Credit Card ) on my personal credit report. XXXX and XXXX have already deleted this account off my personal credit report. I have sent Equifax required documents for removal, they are insisting this account is mine per there investigation. I have submitted a Police report with all required information per them for removal and they still won't. I can not upload these documents to you per the bullet points due to personal information, unless you request them. I have sent required documents to XXXX XXXX XXXX  as well. XXXX is telling me I authorized someone to open this account on my behalf. I have requested validation letters, contracts with signature and how they are investigation my claim per the Fair Credit act and I  haven't received anything in the past 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy can not be verified by courthouse but they said its been verified. So if the courts cant verify this than who has the authority to verify? XXXX could not verify there fore they removed bankruptcy so why are Experian and XXXX saying the opposite?
Product: Credit reporting or other personal consumer reports

Grant and Weber Arizona is a medical debt collector. My debt is a medical debt. They have been adding interest since they bought the debt, which they are not allowed to do. I believe they did so so they could raise the balance to a level so it would show up on my credit report. The major credit agencies have investigated, but when I fill out the form for the investigation there is no place where I can give additional information revealing that these debt collectors have unlawfully raised the balance by adding interest. So in the investigation the debt collectors verify the debt and the case is closed. Furthermore, I believe that as of XX/XX/year> there is nit supposed to be reporting of medical debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINCL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTER WARFIELD would verify the debt. So I took it upon myself to ask HUNTER WARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Checking or savings account

Since middle of the month of XX/XX/XXXX, Sun Trust Bank put a hold on my business account ( XXXX XXXX XXXX XXXX ), account number XXXX. When I went to check on the status and the reason of it, they notify me that a person sent a wired transfer by error to my account. When I asked the manager of the branch, XXXX XXXX XXXX, the name of the person I notice he was my client. Immediately, I called my customer service department and verify that XXXX XXXX XXXX, a XXXX XXXX  Customer, who paid signed and paid for our services, was our customer since XX/XX/XXXX. I let XXXX XXXX XXXX  knows that this customer was lying and I will be back with the signed contract to proof that he was my customer.

XXXX XXXX XXXX   provides me with a document to sign in order to refuse the refund to XXXX XXXX. I came back with the signed contract as evidence and was send it to Corporate. XXXX XXXX, as a customer, never called either or send any communication or the intention to cancel the services with us. As stated on our contract the right of cancellation, and by the state of Florida, the customers have an unwaivable right to cancel the contract, by any reason within 10 days after the date they sign the contract by notifying our office in writing of their intention and send it by mail or Email.

As a company, we contacted XXXX XXXX to try to understand the situation and he confessed he was instructed to do so by XXXX XXXX. Then XXXX XXXX sent a letter by fax to apologize and saying it was a wrong decision. On XX/XX/XXXX, we received a letter from Sun Trust Bank saying that they will send a check of the funds available ( {$59000.00} ) in 15 days.

When I went on XX/XX/XXXX to the XXXX XXXX XXXX  Branch, they told me they do not have any information. I called to the Customer Service on XX/XX/XXXX, and they told me they do not have any update on the system, and to go to the Branch to get more info about my case.

Definitely, they are not giving me any explanation or taking my case seriously. I am unsure about what is happening with my case and the procedure to follow. Please revise my case in order to have the appropriate information and the release of the funds, the sum of {$59000.00} as soon as possible.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c - 2 a consumer reporting agency shall block the reporting of any information in the 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. Under 15 U.S Code 1681e ( b ) & 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accuracy. In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights. Pursuant 15 USC 1681 section 602A states I have rights to privacy Pursuant 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. I am requesting the original copy of the agreement & terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE
Product: Debt collection

To whom it may concern ; Re : Collection account Account number : XXXX This debt is a result of a job loss ; I lost my job and my apartment at the same time. The debt was sent to collections and I made an agreement to pay {$300.00} per month, which is very reasonable amount of money for me. I am a single mother of XXXX and I do n't receive child support, I have student loans and other bills. 
Columbia Recovery Group agreed to take {$1400.00} XX/XX/XXXX, which was a " down payment '', followed by {$300.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Part of the agreement was that I would pay the debt off this month, but due to unfortunate circumstances I am unable to meet the requirement of the verbal agreement. 
I am currently filing for divorce and I am having financial difficulties. Today XX/XX/XXXX I called the agency to make a {$300.00} payment to show good faith, I spoke to an agent by the name of XXXX and I explained my circumstance, she was very pleasant and told me she would speak to her superior and get back to me. 
A few hours later an agent by name of XXXX called me, I explained myself again and he said I had the following options and I quote ; " Make the payment in full, or tell him to have a good day and end the call '', they were going to proceed with legal action. 
XXXX refused to take my payment or give me more options, he threaten legal action against me and said they would garnish my wages. I must clarify a few things ... I am not refusing to pay the debt. I do n't like owing money. I assumed my responsibility my making a payment every month and have made my payment diligently. 
I know collection agencies use hostile tactics to make people pay their debt. But they ca n't threaten legal action. This agency has never served me legal paperwork, or filed a judgment against me to threaten legal action or garnishment of wages. They are actually in violating the FDCPA and at this point harassing me to pay the money in full. They also did n't ' give me the Mini Miranda, which again it 's a violation of the FDCPA. 
I tried to login in to their website to make an online payment and in big bold letters the status on my account is " legal status ''. How can it be in a legal status? I never refused to pay my bill and if there is a lawsuit filed. What court is it through? What is my case number? As far as I know, they ca n't file for legal action if am making payments every month. 
I am more than happy to continue with my payment of {$300.00} per month until the debt is paid off. The way I was treated in this phone call was uncalled for. Again, I am not refusing to pay, I want to pay the debt, but I ca n't give them money I do n't have. 
I am using this source, because they wo n't speak to me or take my payment and I hoping that this complaint can help me establish a good consumer/creditor relationship. I want to pay the creditor, they were nothing but good to me, and the right thing to do is to pay my debt. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed all three agencies ( XXXX XXXX, And Equifax ) and inaccuracies that I found on my consumer report. The items on my report are incorrect and are giving me a very hard time securing fair interest rates and business funding. Please notify these agencies to remove these items immediately. They are violating their own procedures and breaking federal law. I have asked these agencies and the creditors with whom the accounts are supposedly with to verify this information and they refuse to do so. This is blatant violation of Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which states you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Since they have refused to do so and to do so in a timely matter I demand these items be removed. There investigation and response has taken well over 60 days. They have severely decreased my ability to obtain fair rates and accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

. Please verify if this is XXXX percent accurate coz I'm seeing inconsistent information across other bureaus such as date last activity XXXX XXXX XXXX Account Number : XXXX Please conduct a reasonable inve $ XXXX, and DELETE if inaccurate, incomplete or unverified.
Product: Credit reporting or other personal consumer reports

ID THEFT VICTIM, ACCOUNTS DISPUTED ARE NOT BEING REMOVED FROM CREDIT FILE # XXXX. POLICE REPORT NEW # XXXX. 
ACCOUNTS ARE FRAUDULENT, NOT MINE, NEED THEM BLOCKED AND REMOVED, DELETED!
Product: Debt collection

The apartment complex XXXX on XXXX has fraudulently added a debt on my report. I don't owe anything because I was XXXX XXXX ( XXXX ) assistance. I had zero rent.
Product: Credit reporting or other personal consumer reports

I requested my online Annual Credit Report and Trans Union sent a code by text to my phone. I input THE CORRECT CODE into their option, and they refused to give me my online report. I then called on the phone and was not given an option to receive assistance for my annual credit report. At the end of the call, a recording said it would be mailed to my address AND I AM NOT THERE!! So now, my private information will be floating around, while I am in another state!! WHY AM I DENIED MY CREDIT REPORT ONLINE??? If I wanted it mailed to me, I would have asked for it! Now because this company was FRAUDULENT, and LIED and stated that my code did not work A LIE, it was the correct code, I will NOT receive my credit report that was mailed and will be returned!! I want my annual credit report ONLINE. Why is that a problem?? Now I will be lucky if it is not stolen from my mail!! Why did this company need to PLAY GAMES?!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 or other personal consumer reports

It has come to my attention. My personal information has been exposed in the XXXX XXXX XXXX  reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Credit reporting

I have a hard inquiry from XXXX I believe it 's XXXX I have never applied for XXXX or gave them any info of mine. I called XXXX and they have no records of me having an account.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681c-2 ( a ). I am a victim of the Equifax data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA )
Product: Checking or savings account

Good morning. Since the date of XX/XX/2022 I deposited a check electronically to Citibank and mistakenly forgot that it was already deposited. I then deposited the same check into a XXXX atm days later. Because of this duplicate deposit my account was under investigation and closed. Since then, I have been calling back every week for months and the bank representatives tell me a different story about what is happening with my funds every time I call. Nobody is giving me any real assistance as Ive needed my money back urgently for a long time now and they continue to give me a run around for my money. Please assist. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right, * to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I open a checking and saving accounts with chase and shortly after left the US The account was using my foreign address 6 years later the accounts went into dormant state and despite having access to online site and costumer support I can not reactive the accounts or get the funds in the accounts The bank only options given to resolve this issue were : 1. Come to the branch with the proper documents ( Not possible as I am no longer residing in the US ) 2. Send a letter with the account numbers and request reactivation ( I do not have those numbers available and there is no way to get them from the bank ) All I want is my money back and currently there is no possible way for me get it from JPMChase
Product: Student loan

I am working toward Public Service Loan Forgiveness. Fedloan Servicing is the services the loan. 

There are four months of payments that they have not counted as qualifying payments for public service loan forgiveness. The only explanation they have provided is administrative forbearance. 

I never requested any forbearance. I have requested that the months count or an explanation of why not multiple times in multiple forms. Payments were made each month. Often the same amount as the month before and after. My payments are automated. I pay the amount the servicer requests. 

As near as I can tell I met all regulatory requirements to have the payments counted. I work for the federal government a qualifying employer. I am on a qualifying plan and paying the amount set by the servicer.
Product: Credit reporting or other personal consumer reports

Ive had my info compromise requested errors to be fixed. Did a whole dispute process experience does not investigate correctly or in a timely manner.