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

I am a victim of identity theft, I have contacted the three credit bureaus to inform them that my personal information was missed without my permission or consent/apply fraudulent accounts. The is hindering my life and credit, I am reaching out for help to remove the following accounts from My Credit Report : XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX XXXX account XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Collection XXXX. XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Collection XXXX. XXXX XXXX XXXX Credit Card XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I recently attempted to get cable last month and was denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 11 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XXXX XXXX  XX/XX/XXXX {$400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX XX/XX/XXXX {$400.00} XXXX  XXXX XX/XX/XXXX {$220.00} XXXX XXXX XXXX XX/XX/XXXX {$4500.00} XXXX  XXXX XXXX XX/XX/XXXX {$6100.00} XXXX  XX/XX/XXXX {$610.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX  XX/XX/XXXX {$120.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Product: Mortgage

I refinance my house note as I was doing it payment stop. once the refinance was completed the payment was place on the back of the note. Wells Forgo still reported it on my credit report as not paid and will not remove it. now I have XXXX miss payment on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently just started attempting to obtain credit, when i go to get any form of credit ( credit card, loan, etc. ) The credit bureaus come back saying that my SSN was issued before my date of birth. They say it was issued in XXXX instead of XXXX when I was born. I went to the social security office here locally and talked to them and they confirmed that my social security number was indeed issued in XXXX not in XXXX so it is a credit bureau issue. I have attempted to contact the different credit bureaus about this issue but i have had a lot of trouble contacting them. It is very confusing and troubling trying to connect with a real person and their websites arent any better. I really need to get this credit figured out ASAP and its frustrating. The credit bureaus have my info incorrect and I am unable to contact them.
Product: Money transfer, virtual currency, or money service

I am Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account number XXXX
Product: Money transfer, virtual currency, or money service

I bought some food that was worth {$17.00} and i had {$300.00} in my cash app. then when i got home i got a notification about my balance and it showed that i had XXXX dollars. ive tryied to contact them but i never got a reply back about it and it would alway happen when i bought something.
Product: Credit reporting or other personal consumer reports

It has come to light that you are not removing the records, despite my submission of the FTC report. As required by Regulation 605b of the FCRA, I am sending this complaint to help establish a formal response. If you choose not to remove the items listed below, which are inaccurately reported due to fraud, I will turn over my documentation to my attorney to initiate legal action. My intent is to avoid any legal proceedings, so I urge you to comply with the law promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

**Statement Regarding Unlicensed Debt Collection Activities by XXXX XXXX XXXX in New Jersey** I am submitting this statement to report the unlicensed debt collection activities conducted by XXXX XXXX XXXX within the state of New Jersey . 

- **Company Details : ** XXXX XXXX XXXX has engaged in debt collection activities regarding an account with XXXX XXXX XXXX across XXXX XXXX Experian, and XXXX XXXX without proper licensing in New Jersey . 

- **Account Information : ** Account Number : XXXX ; Account Type : Collection ; Account Status : Derogatory ; Balance : {$520.00} ; Payment Status : Collection/Chargeoff ; Last Reported : XX/XX/2023 ( XXXX & Experian ), XX/XX/2023 ( XXXX ). 

- **Unlicensed Operations : ** XXXX XXXX XXXX is not licensed to practice debt collection in New Jersey XXXX yet it has actively pursued collection efforts in violation of state regulations. 

- **Comments & Last Activity : ** Comments associated with the account indicate it's placed for collection and the subject hasn't satisfied the debt. The activity on the account, especially the recent one on XX/XX/2023 reported by XXXX, showcases ongoing collection attempts. 

- **Request for Intervention : ** I respectfully request the CFPB 's intervention to investigate XXXX XXXX XXXX XXXX  unlicensed debt collection activities in New Jersey . This action violates consumer protection laws and raises concerns about compliance with state regulations. 

Thank you for your attention to this matter and your prompt action to address this issue and safeguard consumers from unlicensed debt collection practices.
Product: Credit card

On XXXX XXXX I rented a card from XXXX and was charged the {$210.00} for the rental plus XXXX deposit totaling {$410.00}. Every week until XX/XX/XXXX I extended my rental and XXXX took out {$210.00} every week and held the funds which were not available for me to spend which is typical. At the end of the rental, cred.ai wouldnt approve the remaining balance I had of {$120.00} so XXXX forced the transaction for the total of {$1700.00}. At this point XXXX already had {$1600.00} held for my rental ( approval code XXXX ) Fast forward a week later I get an email from cred.ai stating As a reminder, on XX/XX/2024 you made a transaction for the amount of {$210.00} at XXXX XXXX. When the transaction settled on XX/XX/2024 for {$1700.00}, it settled for more than the amount we had approved over the allowable timeframe from XX/XX/2024. Because of this, your account currently has a negative amount available to spend of - {$1200.00} I called them and they told me I needed to call XXXX because it was up to XXXX to release the funds. XXXX confirmed they release {$1600.00} on XX/XX/XXXX. XXXX told me that after that it is on my bank to release the funds. Cred.ai is continuing to give me the runaround and wont answer as to where the rest of my money is if XXXX already released the funds. They wont answer the question and instead keep replying with that statement. If anything my account should be $ XXXX not $ XXXX because again, the money was held and unable for my use so if I didnt spend the money and XXXX  returned the money, where has my money gone? Cred.ai doesnt have the answer.
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. 

Account name : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US Sept. of Education 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 an 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, other than records of convictions of crimes which antedates the report 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

I reached out to transunion like months ago to resolve this matter. Apparently there reporting an account with XXXX  that does not belong to me and im asking for a removal of the account. As a matter of fact transunion removed the account and illegally reinserted the account XXXX XXXXXXXX I've mailed them documents previously
Product: Credit reporting or other personal consumer reports

AMERICAN CREDIT ACCEPTANCE Placed an unauthorized hard inquiry on my credit file. I did not authorize AMERICAN CREDIT ACCEPTANCE to perform a hard inquiry on my credit file. This is a fraudulent inquiry placed on my credit file by AMERICAN CREDIT ACCEPTANCE.
Product: Credit card or prepaid card

Case # XXXX Re : Account XXXX XXXX XXXX XXXX Dear Sir, Thanks you for your letter dated XX/XX/XXXX but I do not agree with the amount of your credit. 

I have 2 loans with B of A and by XX/XX/2021 {$2800.00} was due for the purchases and this was paid prior to that date therefore the only debt that remained was for the Direct Deposit of {$4400.00} at 1.99 %. 

My TOTAL monthly interest charge in XXXX should not exceed the monthly interest rate of 1.99 % for the {$4400.00} owed which would be less than {$8.00}. 

I would appreciate it very much if you would credit my account with the proper amount. 

Cordially yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for their failure to correct inaccuracies on my credit report, despite my efforts to resolve the matter. On XX/XX/year>2023, I disputed factual errors on my credit report through Experian 's online portal, specifically requesting supporting documentation to verify the closed account that was being reported. However, despite submitting my dispute, the inaccuracies remain on my report without any verification from me, which violates the Fair Credit Reporting Act ( FCRA ). 
The account in question is with XXXXXX/XX/XXXX and XXXX. I received the results of my dispute from Experian on XX/XX/scrub> 2023, but the information provided was inadequate. The results did not explain why the disputed account would remain on my report, and there are still multiple inaccuracies associated with this account. For example, the term length of the account is reported incorrectly. Furthermore, Experian updated my credit report without obtaining my written consent, which is a direct violation of my rights under the FCRA. This account has remained inaccurately reported for 29 months, causing ongoing harm to my creditworthiness. 
I am increasingly concerned that Experians dispute process does not have the necessary safeguards to protect consumers, as evidenced by recent legal action taken by the CFPB against Experian for " sham investigations of credit report errors. '' This further highlights Experians failure to comply with the standards required by the FCRA. 

Experians actions violate the following provisions of the FCRA : 15 U.S.C. 1681c ( a ) ( 6 ) : Prohibits the reporting of outdated or inaccurate information. Experian has failed to remove the inaccurate account from my report, causing significant damage to my credit.

15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. Experian failed to conduct a reasonable investigation into my dispute.

15 U.S.C. 1681i ( 5 ) : Mandates that consumer reporting agencies conduct a reasonable investigation when a consumer disputes an item on their credit report. Experian has not done so, allowing the inaccurate account to remain.

15 U.S.C. 1681c ( c ) : Requires that updates to a consumers credit report must be done with proper consent. Experian updated my report without obtaining my written consent.
Product: Checking or savings account

Someone tried to open an account under my name at XXXX XXXX
Product: Debt collection

I have been seeing this account on my credit report and I am not aware of where it came from. I called the company and the birthdate that they have on file is incorrect. The account number shows XXXX. The company refuses to remove the account from my credit report. 

According to 15 U.S. Code 1679c, inaccurate information should be removed from the credit report. The creditor has not been able to verify my correct information.
Product: Credit card or prepaid card

*This is a new complaint* During the period including XX/XX/2021, I was on deferment with the company. I have documented proof of deferment, due to not being able to pay my bill based on being affected severely by COVID. I have new documentation which shows this, however, the company refuses to review the new information. 

I spoke with the CFPB today, Tuesday, XX/XX/2021 at approximately XXXX and they advised me to submit a new complaint due to their being new information and new complaint related issues.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX XXXX XXXX  Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR IYANLA JONES TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12  PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XX/XX/2021, and XX/XX/2021 I sent letters stating, " I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Last week I received a letter stating that your investigation was complete. Please explain to me how you conducted your investigation! In accordance with FCRA, Section XXXX, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. '' Equifax, XXXX, and XXXX have not given me any document of my hand signature or any other documents showing proof that any debt belongs to me. Please investigate and help resolve this matter, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters i continued to receive in the mail. I have never heard from the place before, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX {$430.00} XXXX XXXX {$1200.00}
Product: Vehicle loan or lease

I paid off my car. The bill of sale and odometer disclosure was signed. Now Im having a problem with Ally bank mailing me my title. I called them and was told the whole process takes 2 weeks for me to get the title. They received my cashier 's check on XX/XX/XXXX. Two weeks have now passed and still no title. I have called them and they cant provide a tracking number because the title hasn't been mailed. It is written on their site that the title will be mailed to me approximately 4 days after my check is cashed, which has already happened fourfold. 
Also, it is written on their website that they have a title tracker so that I can track my title progress. That is also not true, there is no title tracker. 
I just want to get my title.
Product: Debt collection

Hunter Warfield is reporting a debt from a property management company for excessive debt to credit agencies. They claim I owe {$8000.00} dollars, but I was never notified of this debt, never received any billing or notice of the debt before two days ago when I did a credit check on myself to see what my score was. I told the person I talked to over the phone today that I wanted to dispute the debt and that my wife XXXX XXXX XXXX isn't being effected by this or had any knowledge of the debt either. They then told me over the phone that they intended on suing me and were taking the steps to do so as of the XXXX of last month. I pulled my own credit to find out about this false debt and was threatened. 
The court case was mediated and we came to an agreement and not once did anyone inform me I was to pay anything considering we all agreed to part ways and that was it and the court case for the agreement was dismissed outright. The agreement was made in court to just leave the residence with my wife. We did that with no issues, we didn't damage anything we didn't take anything from them, we agreed to the terms to leave and we did just that. Not once did the judge say anything about paying them this horrendous amount, the mediator didn't mention anything about paying XXXX over what my rent was ands they didn't ask for anything in court. They are reporting a debt that isn't real and i was never informed of before two days ago, it's excessive, they have threatened to sue me now and I've attached the court order and court minutes along with copies of the receipts from paying in person with my wife 's name on them to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.
Product: Student loan

I have a XXXX private student loans with Navient. Every month that I make a payment a different amount is paid to the priciple vs the interest. For example if my monthly payment is {$400.00} then only {$50.00} would go to my priciple and the rest to interest and vis versa for the next monthly payment. I 've also tried to get lowered payments with them but they make it extremely difficult to do so. I 've also tried to get my consigner released but a very rude customer service agent told me that they can only be released when I pay off the loan, which makes no sense. They have terrible customer service, despite the fact that I 'm on a payment plan, the first thing they ask when I call them is how would you be paying your past due balance.