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

I am a victim of Identity theft. I did not access my credit report for a number of years and once I did I noticed some discrepanices with my report. I contact the FTC and made a report and also contacted all # credit bureaus. Equifax is the only bureau that refuses to remove these items from my report and the reason that I was given this evening is because they are over 3 years old. I was advised that they contacted each creditor and the creditor advised that they information was correct. I have contacted the creditor and all they can send, me is a statement. A statement is not verofying that it was me who opened the account and made the charges. I have has a fraud person open bank acocunts, take my taxes, take all my money out of my bank account and its feels like equifax is just making me the victim over and over again. they do nothing. The supervisor this evening told me all i can do to fix the problem is to contact you.so here I am.
Product: Checking or savings account

Back in XX/XX/2016, I purchased a TRAILER online, for XXXX dollars, through my bank, Capital One, from XXXX  ( I've logged a complaint against XXXX  with the FTC ), XXXX shipped me a rubber band, and I disputed the charges. Capital did no research, a simple check of what was ordered then a check of the shipment 's weight would have confirmed XXXX never shipped me what I ordered, they did nothing, and ruled against me in the dispute. I want criminal charges filed against them and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EFFECTIVE TODAY THE FOLLOWING CRA ARE PROHIBITED FROM PULLING MY CREDIT PROFILES AND DATA, FACTUAL DATA, XXXX, XXXX, XXXX, WE WILL BE FILING A CLASS ACTION EFFORTS INCORPORATING ALL FURNISHERS, CRA ETC.. XXXX  XXXX HAS ELECTED TO SUPPRESS OUR FILES SINCE XX/XX/2015 IN VIOLATION OF THE F.C.R.A. 15 U.S.C. Section 1681g and THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XXXX XXXX, XXXX, I attempted to put a freeze on my credit report with TransUnion and XXXX. The initial attempt for both was made on-line. After giving all my personal information and submitting the request, the automated systems came back and said they could not process my request. In the case of XXXX, they provided information on how to request an alert via XXXX XXXX In the case of TransUnion, I called a number they provided and had such a bad connection that I was unable to complete the call, despite repeated requests to provide a better connection. I have n't even tried XXXX yet. My impression is that the bureaus are making it unnecessarily difficult to place a freeze on credit reports. 

Like many Americans, I was impacted by the XXXX data breach. I want to place a freeze on my credit report for each of the XXXX bureaus quickly. Any assistance would be appreciated XXXX XXXX XXXX, VA
Product: Prepaid card

I tried to close my XXXX account via the app. i went through the questions and when i got to the end it said it popped up an excuse as to why i couldnt close it and instead charged me {$15.00} an hour later for a monthly subscription
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

I noticed a collection was posted on my credit report. On XX/XX/2020 I wrote to the purported creditor ( XXXX - XXXX XXXX  ) as per attached letter, requesting validation, but up till now I did not receive any response. 

Spring Oaks Capital LLC, harasses me with e-mails and phone calls for the collection of this ghost debt. I have called them several times explaining to them that I have no knowledge of this debt and they should send me evidence that I owe them {$1.00} XXXX, but to no avail. 

They are really driving me crazy.
Product: Debt collection

Recently reviewed my credit report and found several accounts I believe were added without consent. Request immediate removal of these fraudulent accounts.
Product: Student loan

XXXX aka Navient aka XXXX XXXX ( predatory actions - collecting on charge off student loans ) XX/XX/XXXX it discovered {$450.00} was garnished from my pay and again XX/XX/XXXX. My company was not able to provide any details. 

After much research the company garnishing my pay was identified as XXXX. I immediately contacted XXXX ; XXXX would not provide any information regarding the loans and insisted that it was a court judgement. 
After several request, XXXX have not provided court records to substantiate the court judgement or loan origination information. 

XXXX informed me they are collecting {$90000.00} for a loan. I had co-signed student loans in the sum of {$20000.00}. for my son to attend the XXXX XXXX of XXXX XXXX, Florida. 

I needed to gather whatever information I could regarding the loans while diligently making payments. 
So, I reluctantly entered a payment schedule under due rest to avoid negative reporting to the credit bureau and potential termination of my employment ( I was an XXXX XXXX XXXX XXXX XXXX XXXX ). 

I completed the trial payment was turned over to Navient to complete the payment of $ 90,000.00+. 

Research showed my son defaulted on the loans while he was unemployed and began repayments arrangements with XXXX XXXX. The loans were charged off by XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.

How do I resolve this matter. Please help.
Product: Checking or savings account

NOT A DUPLICATE : I can not consider this case closed because Cash app reverse their decision on my fraudulent claim and debited my Cash app. My Cash app balance is - {$750.00}. 

I am appealing their decision for a disputed transaction from Cash App dated XX/XX/XXXX through XXXX XXXX XXXX. 
Cash App debited {$750.00} from my XXXX XXXX banking account that they initially returned ( {$750.00} ) to my account due to fraudulent activity on XX/XX/XXXX ( ref : XXXX : ref ). 

I am a XXXX y/o widow. My service-connected husband of 44 years of marriage, served in the XXXX XXXX, died XX/XX/XXXX ( 6 years ago ). I live alone and I manage all my affairs by my self. 

However, I am asking for your mercy to reverse your decision and credit my account of {$750.00}. As stated in my initial claim letter, I downloaded a " XXXX XXXX XXXX XXXX '' app that gave the hacker access to my Cash App account. At that moment, I believed this " fake '' XXXX XXXX agent was a legitimate XXXX XXXX agent. 
It is unfortunate that this hacker has no respect for the elderly and willfully exploit them. 
I immediately notified Cash app of the fraudulent claim and they returned the money to my account. However, on XX/XX/XXXX, Cash app reversed their decision and debited my XXXX XXXX account to collect the {$750.00}. 

I am on a fixed income and I need my {$750.00} to pay bills. I must save for emergencies as well because I am a widow and do not have the financial support of my husband. 

I am educating myself on recognizing fraudulent activity, such as phishing, which also happened to me. 

Thank you in advance for reversing your decision and return {$750.00} to my XXXX XXXX account.
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  Account XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, 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, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XXXX XXXX, XXXX are reporting on my personal credit file with ( EquifaxXXXX ) credit reporting agency. These inaccurate addresses, accounts and inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof these were opened, authorized or created by me.
Product: Credit card

On XX/XX/24, I received an email from American Express stating my credit card limit was reduced. So, when I called American Express, they explained it was reduced from {$10000.00} to {$4000.00} because they did a " soft pull '' on my report and my report showed a recent derogatory transaction from another company. My balance on the card is {$3500.00} so by American Express lowering my available balance from $ XXXX to $ XXXX it raised my credit utilization to 90 %. This action lowered my XXXX XXXX tremendously. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code 1691c and is pursuant to civil liability under 15 U.S. Code 1692k. 
I have privacy rights and there was no disclosures sent to me stating I can Opt Out of these soft pulls on my credit report. ( XXXX XXXX XXXX and XXXX ) You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that i was discriminated against by AMERICAN EXPRESS due to the responses I received. 
AMERICAN EXPRESS is in violation of 15 U.S. Code 1642, U.S. Code XXXX and XXXX XXXX XXXX because I, the consumer, made an application in good faith, but credit was reduced for no apparent reason. 
AMERICAN EXPRESS will criminally and civilly be liable for all actual damages pursuant to 15 U.S Code 1681n and 15 U.S Code 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my XXXX account in XX/XX/2021 because the account is too old to remain on my credit report. It has been 7 years since date of first delinquency. I received an email stating the investigation was completed, however when I followed the link to check the dispute results, nothing had changed. There was a box that said " Here are the results.. '' and nothing was listed as changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wrong phone number is listed and I cant seem to update it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account appeared in XXXX on my credit report causing my score to drop. This debt is not owed and is not mine and needs to be removed.
Product: Credit card or prepaid card

I told XXXX XXXX bank to close my account because they dont credit my account for charge backs told me was late in more 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offer them XXXX dollars and they closed my checking which they stole over the years thousands of dollars and they said it was voluntary finally told them i am type XXXX XXXX  which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX so I am asking XXXX XXXX and experian the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX from my credit report or credit files ask XXXX XXXX to close account balance they refused to give me any type of credit and make unsecured
Product: Consumer Loan

I see that XXXX is reporting me late on an account I had with VW Credit. This is incorrect as the account was included in our bankruptcy which was discharged XX/XX/XXXX. Payments were made by me to the bankruptcy administrator and we were sent the clear title from VW XX/XX/XXXX. I would like for XXXX XXXX to correct this error so my credit report will reflect a better score which I have earned. My score with them currently is XXXX as opposed to Equifax which is reporting a XXXX score currentl
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unverified accounts listed on my credit reports I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request a Cease and Desist of all further communications and collection activities and provide the verification of the purported debt for the following : 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

Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).
Product: Vehicle loan or lease

car loan made with my information but not my signature. the original loan was done in XXXX  at the time i was living in XXXX. I was informed XX/XX/year> that some correspondence was sent to an address i havent lived at in almost 5 years. the vehichle was tagged and titled under someone elses name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX US DEPT ED XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

The company is harrassing me concerning a debt that is on my credit file due to fraud. They told me that do not care about whether it is ID Theft they are not going to remove the debt from my credit.
Product: Credit reporting or other personal consumer reports

A payment was made to prevent delinquency of 30 days by XX/XX/XXXX PER XXXX SUPERVISOR. That payment was made with XXXX  XXXX  # XXXX in the amount of {$610.00} on XX/XX/XXXX ( Not including fees for over the phone processing ). All other correspondence was deleted from con # XXXX, XXXX and XXXX by securing that payment. ( which were for payments not completed as scheduled earlier in the month of XXXX ) XXXX XXXX XXXX submitted on XX/XX/XXXX and XXXX, to all three bureaus a 30 day delinquency. This was not correct. I contacted the office XX/XX/XXXX, to explain the error and was transferred to XXXX who refused to acknowledge company error stating the funds were not in the account on XX/XX/XXXX for INSUFFICIENT FUNDS. I told the agent I would provide proof that the funds were in the bank and there was a bank error. On XX/XX/XXXX - I contacted the banks and collected proof that the hold was due to a signature issue not that the funds were not deposited. The bank decided to hold them. I contacted XXXX  speaking first to XXXX who transferred me to the supervisor XXXX. The supervisor refused to acknowledge the agreed conversation that took place with XXXX and restated circumstances from XXXX  # XXXX, XXXX and XXXX, justifying since a payment was returned XX/XX/XXXX ; I was 30 days late. ( You are reported late by the next month per contractual agreement this is a high interest loan ). She refused to acknowledge that the payment set by XXXX for XX/XX/XXXX null and voided prior arrangements. I told her this was the bank error as the monies were on hold. She hung up on me and disconnected the call. I called back and spoke to XXXX who transferred me to XXXX who transferred me to XXXX. I requested a supervisor other than XXXX since she hung up on me. She transferred me to the supervisor XXXX. I called again to speak to another agent that would assist and allow me to provide banking proof. I was put on hold for the supervisor XXXX by XXXX before she hung up on me. The length of the calls started at XXXX. No resolution took place.