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

I am writing to follow up on my previous complaint regarding the discrepancies, unverified, and inaccurate negative items on my credit report. Despite my earlier communication, these erroneous entries remain unresolved, which is highly concerning and unacceptable.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

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

The following shows several accounts that's been opened under my name and social security number as a result a fraud! XXXX  have been reporting these negative remarks on my credit profile and its affecting my life. 

Creditor : XXXX XXXX XXXX XXXX Condition : Derogatory Balance : {$540.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Remarks : Placed for collection Creditor : XXXX XXXX Condition  : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Original Balance : {$1200.00} Current Balance : {$0.00} Creditor : XXXX Condition : Derogatory Original Balance : {$0.00} Current Balance : {$1300.00} Condition : Derogatory Opened : XX/XX/XXXX Reported : XX/XX/XXXX Also, follows are a list of unauthorized hard inquires : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I have a rebate card issued by XXXX for {$930.00} and the card is issued through wire card service ( citi card ). according to Wire card service they sent the rebate card to me on XXXX XXXX XXXX but I never received the card. Upon enquiry, they did an investigation about this and found fraud activity. someone else used that card in XXXX, XXXX XXXX, TX on XX/XX/XXXX. Then they sent me another rebate card on XX/XX/XXXXXXXX that card also I did not receive. When I called the company, they said they are going to do another investigation on this. 
After investigation they found someone used the card on XX/XX/XXXX in XXXX # XXXX, TX for the full amount of XXXX and they said they couldn't find any fraud activity on that.and they are not replacing the card to me. 
I called the company and asked them how they reached in that conclusion of not replacing the card? what is the result of the investigation they did? 
How they reached the conclusion that there is no fraud activity happened? 
They did not answer for any of my questions. they just said they closed the case. 
I want to know how the company reached a conclusion that they are not replacing the rebate card which I never received. also I want to get my rebate card as soon as possible. 

XXXX card No. XXXX used in XXXX # XXXX, TX for {$930.00} XXXX Card No. XXXX used in XXXX XXXX, TX for {$930.00} Thank you
Product: Student loan

Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. 
They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. 
I previously submitted a complaint ( Case number : XXXX ), and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keeps sending the same correspondence i am not a credit clinic
Product: Credit card or prepaid card

Received an email from bank saying my card was linked to a XXXX pay account when I do not have one. 

Chase bank called due to fraudulent charges and sent new card. They were concerned about identity theft, so they told me to file this report.
Product: Credit card or prepaid card

Company : Netspend XXXX XXXX Actions taken : Email sent to XXXX Excess difficulty during the online activation process of the prepaid card. This complaint does not include diffuculty due to personal information during activation process such as social sec number, ID verification, etc. This complaint is due to difficulty accessing the Netspend account in order to activate the card with an email address that is no longer resolving. 

I am asking Netspend to assist in the activation of the card via email, as their website does not have the functionality available to assist me. In other words, their technology solution does not provide the functionality required to activate the card without contacting support.
Product: Student loan

i have received bad information in regards to loan. even though it has been difficult to repay loan due to lack of work and illness. I have still been trying to make arrangements. I am currently trying to enroll in school to further my education for employment reasons. I am not getting any help from loan officers. not to mention that I do n't even remember half of the loans that they are referring to. I feel like I am being swindled by the loan company
Product: Credit reporting or other personal consumer reports

I have reached out to this agency requesting debt validation and verification to prove that this account is not mines, is reporting illegally on my reports, and I am not responsible for it. I have yet to receive a response so I am submitting this complaint on the CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR QUITE SOME TIME NOW. I HAVE UNAUTHORIZED INQUIRIES THAT NEED TO BE REMOVED. PLEASE HELP ME WITH THIS MATTER. I'VE BEEN FIGHTING FOR SOME TIME NOW. I HAVE HAD A AUTO LOAN FOR 9-10 YEARS. 

XXXX XXXX  Installment Loans XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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: Debt collection

You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

After becoming aware of multiple accounts in bad standing attached to my credit report that were not mine I sent letters to each of the credit bureaus disputing ownership. I spent some time familiarizing myself with the protections afforded to me under FCRA law, that a company can not report an unverified account. In order to verify an account, substantial documentation containing my signature, acceptance and agreement to pay said account must be provided. Additionally, an updated physical credit report as well as the verification documents must be sent to me as a response to any mailed in dispute within 30 days of receipt. I sent my first round of letters in XXXX of XXXX to which I received no written response in 30 days, but rather emails saying the accounts have been verified. I sent another round of letters in XXXX of XXXX at which point no investigation took place because " the accounts had been verified. '' Just today I have mailed my XXXX set of letters disputing these accounts to which I've received XXXX proof or verification. XXXX, Equifax and XXXX have all failed me in the process uphold their responsibility under FCRA law. They have failed to upkeep integrity in their reporting and are willfully causing extensive damage to my creditworthiness and history by their actions. I have never missed a payment in my life, I've worked extremely hard for what I have and the willful and intentional harm done is making it difficult for me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Creditor : XXXX  Loan Number : XXXX
Product: Bank account or service

I recently opened an account with U.S. Bank here in XXXX, Arkansas. Since the opening of my account which has federal funds directly deposited monthly, I have observed the numerous overdraft charges. These fees ' have been compromised by banking errors. As it is known that banks can and will commit fraud by extracting funds from consumers accounts. Sometime these actions are noticed sometimes not. Thankfully, I am a type of person that pay close attention to all transactions that occur on my account. With this information my hope is that a member of C.F.P.B. will contact this bank namely ( U.S.Bank ) open an investigation to determine that fraud and unlawful activity has been noticed. Upon the completion of the investigation the funds will be refunded and I may move forward with perhaps a new financial institution. With hopes of obtaining more satisfying results.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Student loan

I am contacting the CFPB regarding my student loan payments, which are currently due with MOHELA as my servicer. In XX/XX/XXXX, I applied for an Income-Driven Repayment ( IDR ) plan through the U.S. Department of Education . However, I have yet to receive a determination due to the SAFE Payment Plan being placed on hold by a federal court. 

Despite my pending application, MOHELA continues to report that I owe payments and am late. I have attempted to contact MOHELA to address this, but the wait times to speak with a representative EXCEED XXXX HOURS. Additionally, I recently filed for bankruptcy, and my case was discharged on XX/XX/XXXX, which should have placed my payments on hold. My concern is that these reported late payments may negatively impact my credit and overall financial well-being.

As a public school teacher, I qualify for an IDR plan, and eventually forgiveness under the PSLF program but I am currently unable to take any action due to the delays. I would appreciate any guidance or assistance you can provide in resolving this matter. 

Thank you for your time and support. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these XXXX inquiries on my credit report at all. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit card

I booked a two night stay on XXXX for XX/XX/XXXX - XX/XX/XXXX. For the amount of USD XXXX. 

The host did not receive me and XXXX also blocked our numbers so I was unable to contact the host. I rang the doorbell and the host only responded via XXXX message hours later. Both the host, XXXX and BreadCashBack all refused to refund me the money. I deserve a refund for a service I did not receive. 

I have attached screenshots to the XXXX messages to demonstrate lack of communication of the part of the host.
Product: Debt collection

Continue to get calls at my workplace when asked not to! Also, leaving messages, or trying to speak to co-workers to try to contact me!
Product: Debt collection

You also agree to allow SC to request a refund of any credit insurance, life insurance, GAP coverage and/or service/warranty contract ( s ) that were financedunder your contract or loan and apply any and all refunds to the remaining balance dueon your account after the payment made by you of the Settlement Amount. Payment of the Settlement Amount must be received by one of the acceptable methods of payment set forth above and by. The settlement may have tax implications. Please consult a tax advisor to determine the impact on your specific tax situation.If you have any questions, please contact the Loss Recovery Department at XXXX. Our Customer Service Business Hours are as follows : Monday through Friday XXXX XXXX, Saturday XXXX XXXX.Sincerely, Santander Consumer USA XXXX.Loss Recovery DepartmentXX/XX/2019
Product: Credit reporting or other personal consumer reports

There are numerous inaccuracies on my account that aren't correct. I request proof of the late payments or demand that the incorrect inaccuracies are removed and marked paid to date. I have provided an attachment. Thank you in advance.
Product: Student loan

I attended XXXX XXXX in XXXX and they shut down before we could graduate. I read that the loans were being forgiven. I clearly fall in the category to get this loan forgiven and would like to move forward with getting this taken off. Also id like to know how do I get my money back for the portion of the loan that I've paid on already. Any helpful information will be appreciated. Please and thank you.