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

On XX/XX/XXXX I called XXXX XXXX, XXXX, Experian to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.
Product: Credit reporting or other personal consumer reports

My complaint is that synchrony bank supposed to do a soft inquiryOn my XXXX  credit report my social securi ty securtiy number XXXX XXXX date of birth when i apply for XXXX XXXX matress it said on the prequalfy website and then i get declined i check my XXXX credit report it shows hard inquires from synchrony bank instead of soft can you please have synchrony bank remove these hard inquires reason is that is supposed to be soft theirs a total of 8 hard inquires on XXXX and XXXX XXXX and on my XXXX XXXX XXXX XXXX account they reduced the credit line from XXXX to XXXX with out telling me and i was planning to have my bathroom fix
Product: Credit reporting, credit repair services, or other personal consumer reports

HI EXPERIAN ; XXXX/EQUIFAX ; ****SEE ATTACHMENTS**** I disputed this account here ( XXXX  XXXX  Account # XXXX Charge-off Balance : {$800.00} ), but you continue to report incomplete, inaccurate, misleading and multiple inaccuracies on the way this account is reporting. This account was paid in full months ago, and it was so to be deleted or removed from my credit report, but instead, it continues to report all these errors and it mentioned that it's causing this account to illegally re-aged, causing me stressed and thousands of dollars in the interim. Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law. FCRA 611 ( 15 U.S.C. 1681I )
Product: Debt collection

This is in response to a previous complaint filed against XXXX XXXX XXXX.

Reliant responded to my complaint and claimed that I wasn't a party to the complaint.

unfortunetly Reliant is wrong. I was given permission to speak on behalf of my daughter and discuss the debt on XX/XX/2018 when XXXX XXXX and I were on the phone with my daughter WHO granted verbal permission from me to discuss the debt. The entire conversation is recorded.

Regardless, Reliant has not provided notification of the debt AND YET are trying to collect.

this is a FDCPA violation. Also Reliant claims to have forwarded my information regarding the debt to XXXX XXXX unfortunately this is a lie. Provide me the name of the person that Reliant spoke to regarding the documentation that was sent. They have not forwarded anything to XXXX. I have spoken to several different people at XXXX XXXX  and they informed me that they notified Reliant not to pursue collection,. 

Threatening to report a debt to a credit bureau even prior to receiving the actual debt is a violation. it is a threat. If I am not reimbursed for the violations in question I will file a lawsuit against reliant and they will be liable for consumer violations and will pay my attorneys fees and costs in addition they have caused a burden on myself and my family.
Product: Credit reporting or other personal consumer reports

I filed a dispute through XXXX regarding one of the accounts on my credit report. Account is Transworld Systems Inc. and XXXX had completed the investigation and sent me a letter which I have on me that it was complete and deleted from my account. Well I spoke with XXXX today with XXXX and she had to file another dispute as the lender requested it be back on my credit report. I shouldn't have to keep doing this. The investigation was already complete and inaccurate and deleted from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian customer service would not help and take care of the negative/fraudulent reported inquiries 1- Inquiry : XXXX. Date of Inquiry : XX/XX/XXXX 2- Inquiry :  XXXX XXXX. Date of Inquiry : XX/XX/XXXX 3- Inquiry : XXXX/XXXX XXXX . Date of Inquiry : XX/XX/XXXX 4- Inquiry : XXXX/XXXX  Date of Inquiry : XX/XX/XXXX 5- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 6- Inquiry : XXXX/XXXX  XXXX Date of Inquiry : XX/XX/XXXX 7- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 8- Inquiry : XXXX/XXXX  XXXX And As Date of Inquiry : XX/XX/XXXX 9- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 10- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 11- Inquiry : XXXX XXXX Date of Inquiry : XX/XX/XXXX 12- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX 13- Inquiry : XXXX Date of Inquiry : XX/XX/XXXX
Product: Student loan

My son 's student load through Sally Mae now being handled by Navinet has enrolled me in loan deferment/forbearance in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was not directed to enroll in an income driven repayment plan but to keep applying for loan deferment/ forbearance. I am not sure of the breakdown or even if the amount I owe of {$100000.00} is correct. 

I only signed for one loan in XXXX for a total amount of {$12000.00}. 

I in attempt to repay this loan now am being told I owe {$1100.00} a month due to high interest rate and number of times I was directed to enroll in loan forbearance instead of income driven repayment plans. 

I am XXXX years old and this loan will cause undue hardship on me not to mention the fact I feel it was mishandled. 

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

Hello, there is information on my credit report that is false or fraud. 

On my transunion report it states that I reside or have resided at XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX I have never been associated with this address. 

This is fraud and must be deleted as I have never lived, or been associated with whoever lives there.
Product: Student loan

Between XXXX {$40000.00} XXXX  and XXXX. I was denied forgiveness
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. Transunion is required to authenticate this item under Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 and update it immediately in my report : XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 after setting my rewards to Home Improvement, which includes Appliances, I purchased an appliance using my Bank of America credit Card for {$860.00} From XXXX XXXX XXXX, IL. 

Few days later I noticed a 1 % had been given as a reward versus 3 % that was advertised ( which should be {$25.00} ). I called BOA on XX/XX/2023. The Service Agent told me I needed to go talk to the store on why they are using the wrong merchant code. No offer on a resolution, nor any sort of review of the account to confirm. I refused and requested the ticket to be escalated. The agent told me the ticket had been escalated and I would be contacted by a manager within 48 Hours. No call has since been received. 

on XX/XX/2023 I contacted BOA through XXXX, where I was told similar information. I also requested escalated resource on XX/XX/XXXX. I followed up on XX/XX/XXXX with no response. 

I have now reached out to the CFPB regarding this issue. 

I don't care if the store used the wrong merchant code. The fact its an appliance store should be enough evidence for a credit on the account. I don't need you to adjust the reward statement, but give a credit on the card statement for the remaining {$17.00}. 
BOA Should stand by its customers. Stop passing the buck. Stop making excuses. Stop hiding. Stop avoiding your customers. Honor your promise. Honor your rewards. Honor your dedication to customer service. Recognize it's more profitable to offer goodwill credit to a customer rather than die on this hill. The frustration should not be on a mom and pop store for setting the wrong merchant code, but rather the Credit Card company should recognize this was in error ( even if it's on the merchant side ) and offer a statement credit as goodwill to a customer. Also support agents should honestly have employee empowerment to offer some credit similar to what other companies can do. 

I request an account credit of {$17.00} on my BOA credit card ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this with XXXX  and Experian in XX/XX/2021. This hasnt been resolved and is hurting my credit score.
Product: Debt collection

I woke up this morning with a credit alert in my email. The alert was from XXXX about an account by Ability Recovery Services. The original debt supposedly was from XXXX XXXX. They are claiming I owe {$1200.00} from classes? I dealt with these people years back, before 2012. I had cancelled the program. Now they contact me 5 or more years later and just listed this on my credit report. Its interesting to note that this is the first time I have ever heard of this. I would like to see proof of my original signature and other information to prove this debt is mine. Like I said, years ago I had contacted them about a program, but cancelled it because credits would not transfer to a state university. I was XXXX with a XXXX XXXX in 2012, and know I would have not signed up for a school program. Half the time, a can not even see to read books and other information. XXXX XXXX was also involved in a class action lawsuit for deceptive and misleading conduct. Maybe the governement should look into the relationship between Ability Recovery and XXXX XXXX. I think they are trying to scam people. Do the research, it is all over the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tower Loan keeps on reporting inaccurate information to the reporting agencies. This account has been closed since XXXX of 2020. I had a back injury and had back surgery. I had XXXX insurance with this company but they denied it saying they did not receive certain documents. This is one of the companies that sent this account over to an attorney office to collect in which they are. But they charged this account off in 2020 but still reporting it open on one bureau and charged off on the other which is a violation against FRCA.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX/ XXXX XXXX. XXXX XXXX XXXX, Fl XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Please note, that Transunion and XXXX  have already deleted this account as it was in violation. Per XXXX  reporting account status, it states derogatory, date of last payment was XX/XX/XXXX, and two-year payment history is reporting current for the past 2 years. This is inaccurate information, delete per violation. For your records and my proof, I have enclosed a snapshot of my credit report.
Product: Debt collection

In 2024 I found accounts on my credit reports which are not mine. Ive disputed them with all 3 credit bureaus, reported them not mine. some were closed or charged off some were not. Im currently now working with " XXXX XXXX XXXX' to clear 13 items from my reports due to my personal information found on the dark web. It has and still is preventing me from moving because my credit score being too low. XXXX XXXX even wrote a letter on my behalf for any potential landlord and so far it hasn't helped. I feel very vulnerable that I have to show to any potential landlord very sensitive information and yet they are denying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$840.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern over the past year i have reached out to XXXX XXXX XXXX account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX  XXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows XXXX XXXX XXXX to be in violation of according to the Consumer XXXXw & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
Product: Credit reporting or other personal consumer reports

Reclaiming and preserving you never respond back with all the accusations that I said I need to be pulled off my credit report even with that breach of credit reporting that a lot of information was given out on certain peoples I so nothing never happened it's been over a year and a half
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

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

I had contacted mariner finance about the account showing closed and collections account on my credit reports and they said its not closed but went to a collection status when i missed XXXX payment. And now its currant and have been paying them and still shows closed on my credit reports with no payment history showing. So every payment i make doesnt show. And its not a closed account its still active. And they refuse to fix it .ive contacted there corporate office and left messages and no phone calls back to let them know whats going on. I would like this fixed cause it has dropped my score and 2 other people on this loan as well..
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I in fact paid on on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX - XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX These are the accounts in my name that stems from the identity theft : 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 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 A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.