23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I received an Incomm bank visa card on XX/XX/year>. {$100.00} is on the card it was XXXX of those new electronic cards sent to my email for a legitimate payment. I activate it and followed all instructions and tried to add to my XXXX wallet to use for in store purchase it didnt go through so I tried a second time. I then went to their website. XXXX and it said to call a XXXX # so they explained it was flagged for potential fraud activity but it was I using the card and I just got it. They explained the card was locked but did indeed have the {$100.00} balance still XXXX They gave me a reference #. Also saying it would be 30 days because their fraud department had to investigate and then they would email me the new XXXX card which takes XXXX seconds. So I called a second time after no emails updating me on the status on XX/XX/year> they the explained it would take 15 days and just for me to wait. This is unacceptable so I XXXX reviews and see many BBB reviews where this company has done this to many people just the run around. Until someone gets involved the they all got replacement physical cards in the mail. I was advise they will send the card and stop holding people 's money when the cfpm or better business gets involved. It just seems shady it don't take 30 days to keep a card locked and send a new one especially after they verified all my credentials. Times are hard enough now with the CEO only and prices please help. I was told you guys fix it immediately. When I called the XXXX time it was XX/XX/year>. 7 days later and they haven't done nothing it seems like a very common thing they do to people.
Product: Payday loan, title loan, personal loan, or advance loan

I am struggling right now trying to payoff this payday loan that I have right now. I thought I would be able to pay it but since I am not working at all right now I am finding that it's hard for me to do this. XXXX from what I have heard is a bad company from the start to deal with and I feel bad for going through them. I can't afford it anymore and if I cancel or work up some plan to work with them I would like to do business with them but if I can't then I should be able to cancel the loan all together if they are not willing to work with me. I would like to see what the CFPB says about this first because they XXXX have some ways to talk to these people and settle this once and for all. I sure hope that you guys at the CFPB can help me out because I need to get my loan canceled or my payments lowered.
Product: Debt collection

Theres are numerous hard inquiries on my credit report and also 1 false/negative account.

These items on my credit report are the result of identity theft and Ive gone to the corrective agencies in my attempt to sort the matter out of getting these false items removed from my credit report.

I have reported all hard inquiries and false accounts with the federal trade commission as fraud/identity theft.

I have attempted to dispute these items on my credit report numerous times with Experian, XXXX  and XXXX. 

XXXX has identified this XXXX XXXX XXXX credit car account as fraud/identity theft, and have taken the proper action in removing this false account, however the hard inquiries still remain. 

Experian and XXXX  have not taken any actions to remove these accounts and several rounds of Fair Credit Reporting Act backed disputes have gone unanswered, and unverified. 

According to the Fair credit reporting act Credit bureaus must respond to disputes within 30 days by verifying or removing said items of concern. 

I have prepared my disputes backed by my attorney in XXXX document format, I have also notarized and sent my letters via certified mail for tracking and documenting reasons. 

This is my 3rd attempt to dispute these false items on my credit report, additionally I have filed an identity theft report with the federal trade commission my following action will be a court proceeding to correct this issue. 

Please remove the following negative item and hard inquiries from my credit file immediately XXXX XXXX XXXX Hard inquiries : please remove the following inquiries in immediate fashion. 

Creditor : XXXX/XXXX Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Date : XX/XX/XXXX Creditor XXXX XXXX Creditor XXXX : Date : XX/XX/XXXX Creditor : XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX XXXX  Date : XX/XX/XXXX Creditor : XXXX/XXXX  Date : XX/XX/XXXX This is my federal trade commission identity theft report number : XXXX Happy New Years, Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have been calling my mother, who I don't even live with. They said they will garnish my wages by 25 % and seize all assets. This is from a credit card in 2001, so it is 20 years later that I didn't even remember. File number is XXXX and the account number is XXXX. The amount is {$2800.00}
Product: Student loan

My student loan servicer, NAVIENT has : Misallocated payments Steered me toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX - DATE XXXX Account Name : XXXX XXXX XXXXXXXX - DATE XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I was denied PSLF even though I have been a XXXX  for 25 years - also been paying on student loans for 25 years. My servicer changed 3 years ago to Fedloan and they refused to credit my XXXX income driven repayments so I was denied PSLF 3 years ago. I am going to try again but when I apply of course their website says I do not have the XXXX payments. My student loans came to XXXX in XXXX - I began paying. In XXXX, my total is balance is XXXX - I call that servicer fraud.
Product: Debt collection

I was admitted to the emergency room back in XX/XX/XXXX and was treated for an illness and was released. I was sent a bill for the charges later on, however, due to my financial status the fees were waived after submission of my tax return, as I qualified for a waiver due to my income level. 
However, I was contacted by an individual, claiming that I owed {$490.00}, and was rudely instructed to make a payment before XXXX to receive a 30 % discount. When I explained that, it was waived due to my financial status at the time and I was told that physicians bills does not fall into the charity category, which I believe was a rude remark, when I never visited such a physician rather went directly to the emergency. I was never informed of such a debt for the past XXXX years and was never contacted by any physician 's office or the hospital for any claims.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been notified that my personal information, along with the information of 148 million other consumers has been mishandled by Equifax, allowing it to be stolen from their data storage devices.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my Transunion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have attempted to dispute the incorrect items on my credits reports for several times starting from 2020. However, the credit bureaus back and forth change and reverse the disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Mortgage Company Account number XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. 

I requested proof and they failed to provide proof. I want this payment updated to paid as agreed never late
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Its things being reported on my credit report that are inaccurate & every time I dispute them they never go away Also I even contacted the companies & they keep saying they are going to remove it but its still on there Which should not be on there because its completely inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries that are showing on my XXXX  credit report from TELETRACK XX/XX/XXXX and XX/XX/XXXX. I have contacted this company that was on my credit report on XX/XX/XXXX and XX/XX/XXXX and no response from the companies as to why they pulled my credit without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a welcome letter from XXXX XXXX XXXX congratulating me on my {$4500.00} credit limit. Account # XXXX, opened XX/XX/XXXX. I did not received a card or any other information. This is not my account. 

On XX/XX/XXXX, I checked my credit report, and saw that {$3100.00} has been charged on a XXXX XXXX XXXX Credit Card. There is a {$3200.00} credit limit. I was informed that this was an online purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

I purchased my first car on XXXX/XXXX/XXXX and financed it with Credit Acceptance Corp . I made my payments online on time in XXXX and XXXX XXXX using my debit card. On XXXX XXXX I was in an accident and immediately filed a claim. The car is a total loss. When I tried to make a payment on XXXX/XXXX/XXXX the payment was declined with no explanation. I tried several times without success. I called the company on XXXX/XXXX/XXXX and was told more than likely the insurance company had taken care of the loan. On XXXX/XXXX/XXXX I called the Credit Acceptance because the insurance company was still waiting to hear from Credit Acceptance. I was then told that I had missed XXXX payments and I had been reported to the credit bureau. I was told that when there is an accident you can not make payments using a debit card. I had no way of knowing this. I am attaching a copy of the message I received when I tried to make a payment. Today I tried to make the XXXX past due payments using two methods : debit card online and calling and neither method allowed me to make a payment. I wanted to take care of this as soon as possible because I need to purchase a car to get to my XXXX jobs but can not buy a new car with the credit report from Credit Acceptance. There is nothing in the payment coupon book that tells me I can not make a payment with a debit card if I have been in an accident. I want Credit Acceptance to accept my debit card payment and I want them to fix my credit report. I am young and this is my first attempt at establishing credit. I was diligent in making my payments in an accepted manner per the coupon book and coupon. Because I work XXXX jobs I can not wait on the phone to make the payments during their office hours which are Eastern Time ; I live in California. 
The insurance company on XXXX/XXXX/XXXX confirmed they are also waiting on Credit Acceptance for paperwork to pay off the loan.
Product: Debt collection

I got my cell phone connection with XXXX in XX/XX/2019. As part of the deal I was supposed to get a {$150.00} gift card, which I never received. I closed the account in XX/XX/2019. I was retroactively billed for {$150.00} gift card. I reached out to XXXX, who assured that they will investigate. I explained them that if investigation concludes that I never received/used the initial {$150.00} gift card, then they can cancel off the charges. Instead I was told, if that's the case they can not cancel the charges since the rewards department and billing department are separate.Instead, I would be issued a new {$150.00} gift card by the rewards department, I can then call the billing department and use the new {$150.00} gift card to pay back the outstanding bill. They never returned back to me with the results from their investigation. Instead, they keep reaching out to different debt collectors ( 3 different debt collection agencies so far ) and continue to harass me to pay for the gift card. They have also got these charges listed on my credit report/credit history. I have tried to get this issue investigated through equifax but they are not able to move forward and keep sending me the bill that was issued by XXXX for {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I imagine XXXX XXXX Bank is a good Bank but I have not Authorized them to pull my credit. I have sent XXXX, Experian, and XXXX 3 different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a XXXX XXXX account nor have I applied for one.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Reporting account numbers : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 15 U.S.C 1682 Section 604 A. Section 2 : Also, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. A. Section ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information, and any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s. 2 A. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed one collection account " XXXX XXXX XXXX, on my TransUnion credit report that does not belong to me : XXXX XXXX XXXX ... XXXX ... XX/XX/2023. 

I DO NOT OWN THIS ACCOUNT OR DO I KNOW OF THIS ACCOUNT. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$790.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4700.00} Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I have confirmed that these accounts and inquiries were opened or initiated without my authorization. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request their immediate removal. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - XXXX XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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

I reached out to TransUnion customer service and they would not help correct my file by deleting unauthorized inquiries reporting on my credit report. I have reached out on XX/XX/2023 as well as XX/XX/2023.