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

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Affirm keeps sending me messages regarding a debt, I have requested refund and or return of the item multiple times since its original purchase in XX/XX/year>. The item did not operate as advertised and upon arrival seemed like a scam. I contacted the original company and they refused to let me return it even if I provided the shipping. The product was {$1000.00} and I would like a refund as I have previously tried to get multiple times with no response or refusal of returns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigating my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account 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 item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$85.00}
Product: Debt collection

Over the past few weeks we have received several robocalls from phone number XXXX. The recorded message says it is from XXXX and XXXX, that they are debt collectors,  and that we should call XXXX. The message does not give any indication of what this is about. We have no overdue bills.
Product: Credit reporting or other personal consumer reports

My personal information i.e. - first name, last name, home address are inaccurate ( Equifax, XXXX, XXXX XXXX ). There are 2 charge offs ( XXXX, XXXX XXXX, Equifax ), 1 Collection ( XXXX, XXXX XXXX ), and late payments ( Equifax and XXXX XXXX ) and inquiries ( XXXX ) that I have disputed numerous times and the credit bureaus keep giving me the same response. I also contacted all the agencies directly to take everything off and NEVER get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companys reporting to my credit Bureaus without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX XXXX are reporting inaccurate information on my credit report about my student loans XXXX, they are reporting that I have missed payments and have late payments while I'm currently in forbearance and also COVID-19 student loan payment pause I've been disputing this inaccurate information in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and they have done nothing to help
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under XXXX U.S.C XXXX and XXXX U.S.C. XXXX ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have rejected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to upload their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Student loan

I am in the process of applying for loan forgiveness via the PSLF under the TEPSLF program. I have had 41 payments " pending manual review '' for eligibility since at least XX/XX/2021. I have emailed and spoken with a representative from FedLoan who said she was escalating the issue. I am currently awaiting the manual review in order to apply for forgiveness. 

I appreciate any assistance in expediting this matter. Thank you.
Product: Checking or savings account

I have or had a bank account with navy Federal Credit Union. I opened the account earlier this year. I recently had identity fraud on my credit and resolve in police enforcement. I am rebuilding my credit in retrospect to the damage incurred from the identity fraud. I have other lender accounts. During this pandemic and lack of work I have been collecting unemployment. Earlier this year a job offered me income for business development that I do with my ITIN and file taxes accordingly. The check bounced and the bank repremanded me by charging off my card. One check of three bounced the other two cleared. I don't have a safe stay at home scenario during this pandemic. I have stayed in hotel 's reasonable and the hotel charged my card XXXX XXXX and XXXX fir a two day stay. Navy Federal Credit Union has reopened my card access with conditions in XXXX. Then recently as last week I spoke with someone from the credit union about these miscellaneous items on my bill. They agreed it seemed I was being fouble billed for misc stuff after a cyber attack from a XXXX  computer tech visiting. We happened to  communicate with them on this topic and baby Federal credit my card as these charges weren't specified. This week I notice three charges from good XXXX and one totalling XXXX and two at XXXX and XXXX on the same day. I also reminded them of a false claims to XXXX on my card twice from an online vender. 
The credit union ask for reference in email which supposedly claims that I was obligated contractually to the vender. Navy Federal Credit Union removed the items and my card without notifying me. I called later that night because my card declined a XXXX balance. I called them night before last and they said the security office was closed. Call back in the morning to reactivate my account card. I did so and was told my card is closed and not eligible for reactivation or replacement because of a deposit in may on my check that didn't clear I didn't receive any revenue from. 
I just want to notify the bankers Association that when I try to survive I'm confused because the bank I invested in with a credit union. Wants to punish me instead of advocate for my account security. They want to justify closing my account and refusing access to my income. Mind you I pay for my living situation during a pandemic. I am XXXX  yet again. Sleeping on streets where my wallet or other personal information will be exposed to theft. 
They claim I'm at fault out of state ID and weird charges on my account. 

Great day for justice and banking XXXX XXXX direct line XXXX Office
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 block 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, PA XXXX XX/XX/year> XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account 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 XXXX XXXX XXXX
Product: Vehicle loan or lease

I obtained a loan through a finance company picked out by a dealership, not knowing the finance company had been sued by the FTC for the same thing that they did to me. Basically, I finance a vehicle through XXXX XXXX. The vehicle had transmission issues within 48 hours of me having the vehicle. After getting an attorney and making multiple complaints the dealership reversed the contract and gave Santander Consumer USA their money back. Santander reposed the vehicle, although they knew of the faulty vehicle. They did not inform me of the auction. They still three months later have not allowed me to obtain my personal belongings from the vehicle. I have tried calling, sending in letters and no one will speak with me.
Product: Debt collection

I had filed a previous complaint and listed it as wrong original creditor they werent Speedy Cash but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about Speedy Cash. I attempted to clear this matter with them by filing a dispute through Transunion and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
Product: Credit card or prepaid card

What a joke, CFPB does not help consumer at all. This is the 3rd time i have opened complaint about this issue and nothing is getting resolved. They allow the company to just close it with XXXX  documentation this is false. 

Dispute Details *Closed a case without it being resolved & charged me the incorrect $ amount *CC is not re-charging me for $ I already paid, Dispute Date XXXX  Dispute Amount {$9800.00} Dispute ID XXXX Related- They just keep closing this without resolving the issue. so this is the 3rd ticket for the same issue. They don't even to bother calling me once or reaching out. Just sticking with a {$9000.00} bill. I can't wait to i switch CC providers this is the worse experiences of my life. 

XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed XXXX CITIBANK , N.A . CITIBANK INTERNATIONAL BANKING FACI XX/XX/XXXX Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XX/XX/2022 Amount {$440.00}, 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: Credit reporting or other personal consumer reports

Student loan appears multiple times on report. Account was closed due to loan transfer then reopen. Effecting my credit age
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my loans I did not apply for any loans I dont have a drivers license or a car I cant get a car loan in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted my monthly mortgage payment to Wells Fargo for XX/XX/2020. I include approximately {$600.00} extra each month that is only to be applied to the principal on the mortgage. I checked my most recent mortgage statement which posted yesterday and found that the approximately {$600.00} was not applied to the principal. I spoke with a Wells Fargo representative who advised that the extra approximately {$600.00} had been placed into a suspense account. The representative had no idea why this happened and was opening a case. I have had numerous past problems with Wells Fargo misapplying additional funds that I have sent in. Previous representatives assured me that the coding and funding sources on the account have been set properly so this would never happen again. Well, here I am complaining about this issue again that in no way benefits me, the consumer and only benefits Wells Fargo. I have several complaints on file with the Consumer Financial Protection Bureau documenting this exact problem. Can you please help me? Thank you.
Product: Debt collection

I am contacted daily, sometimes twice in a single day, for a debt that is now 7 years old! They had started off calling my home phone, but now call my cell phone using multiple different phone numbers so I ca n't block them. I have told them numerous times that they need to stop calling, especially since the statute of limitations for collecting is past, but they ignore me! There are also many times that I answer, and it 's automated telling me to call them back. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account # ending in XXXX and XXXX XXXX XXXX XXXX : Account # beganing in XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2019 I sent a certified letter to XXXX, XXXX and Experian informing them that there were 2 accounts on my reports listed by XXXX XXXX. Neither of these accounts are mine. I have called the original creditor and the info wasnt a match for me. I have never lived where they had these 2 accounts. These accounts need to be removed as they have kept me from getting a car loan. I have called the credit reporting companies and get the run around I have been sending letters for 5 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 US Code 1681e ( b ) and 15 US Code 1681i ( 5 ) this account listed below is in violation not reporting 100 % accurate it lists. I have not given written permission for this debt to be shared with any other 3rd party. 

Account Name : Macys/Citibank Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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: Student loan

I 've repeatedly received offers from SoFi to refinance my student loans " with interest rates as low as 2.62 % '' " plus.. an autopay discount of 0.25 % ''. I have a credit score over XXXX, so logically, I should qualify for the lowest possible rates. When I go through the prompt to get a quote, I am only offered rates of 4.875 % or higher. I think advertising a rate more than two full percentage points lower ( XXXX  basis points ) is deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX  XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$35.00} ; XXXX  XXXX Balance : {$33.00} ; XXXX  XXXX Balance : {$35.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and disappointment regarding the several unsuccessful attempts to correct late open accounts and remove charge-off accounts from my credit file. Despite my persistent efforts to rectify these inaccuracies, they continue to adversely affect my credit report, impeding my ability to secure credit and financial opportunities. 

I have diligently followed the established dispute resolution process by submitting dispute letters, providing supporting documentation, and communicating with your representatives. Unfortunately, despite these efforts, the inaccuracies persist, significantly impacting my creditworthiness and causing ongoing financial challenges. 

I request an immediate and thorough investigation into these matters to correct the inaccuracies on my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the late open accounts and remove the charge-off accounts. 

Failure to resolve these issues promptly may compel me to escalate my complaint to regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts and remove the charge off accounts in my credit file : XXXX XXXX XXXX Balance : {$1300.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX  XXXX Balance : {$38000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX XXXX XXXX XXXX Balance : {$28000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX XXXX Balance : {$2600.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX  XXXX Balance : {$16000.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know the inquiries in the document included below should not be there and are not to be reported to my credit. I never gave them written consent to report them. 


This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over 7 years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies XXXX, TransUnion, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.