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

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Company- XXXX XXXX XXXX XXXXXX/XX/XXXX Company- XXXX XXXX XXXX XXXX XXXX  Company- XXXX XXXX XXXX XXXX Company- XXXX XXXXXX/XX/XXXX Company- XXXX XXXX XXXX Company- XXXX XXXX XXXX XXXX Company- XXXX XXXX XXXX XXXX  Company- XXXX XXXX XXXX According to 15 U.S. Code 1602 ( p ) these companies are in violation of unauthorized use of my credit for I received no benefit due to no accounts being opened.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).
Product: Debt collection

In XXXX my vehicle was reposssed by Santander consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from Santander and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from XXXX stated they were collecting from Santander. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that Santander was using them to collect funds and reached out to CFPB in regards to this. I received a notice from Santander in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} XXXX as Santander stated no company should be collecting funds for them and since have been contacted from XXXX in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Forster & garbus llp Sent a letter home telling me they were going to garnish my paycheck directly Out of fear - I try to settle an agreement - I dont know how true this lawsuit it. I had come to an agreement to pay XXXX dollars a month and by 3 rd year pay XXXX completely. I stopped my monthly payment a while back since then the company has not sent any letters and when I called the number their numbers are disconnected, when I finally got someone on the line to ask about this student loan debt. Nobody has answers- they kept hanging up on me. Im 100 % I got scammed for an old debt but Since Im very naive and not lawful knowledge I went along. Thinking its the right thing to do. The original Amount was supposedly XXXX they settle at XXXX. They negotiated the settlement over the phone as if it was a fake game with someone who was a judge. I was very intimidated because I didnt want them to garnish my paycheck- I need my income to feed my children as a single mother. I dont make tons of money. XXXX dollars out of My paycheck is a lot for me. These people are very unprofessional- sketchy - never ask to meet in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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: Student loan

Payments are not being taken off of my loan. I understand there are multiple law suits against Navient.
Product: Student loan

The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.
Product: Credit card

My wife and I have credit cards showing logos either from Visa, XXXX, or XXXX. Within the XXXX Card category there is XXXX card whose processing is done by a third party, XXXX XXXX XXXX, who send out the monthly statement and receive the monthly payment. We have XXXX other XXXX cards whose processing is done by XXXX itself. 

Our card that is processed by XXXX XXXX XXXX has again been the object of attempted fraud. XXXX phoned us to confirm that certain new charges were fraudulent. Since the charges were fraudulent, XXXX said they would cancel the current card and issue a new card and send it to us " overnight. '' I thank them for their vigilance. This latest nuisance gave us reason to pause. 

In reviewing our personal records, we discovered that XXXX has had to issue XXXX replacement cards to us in three years because of attempted fraud ; this last card will be number XXXX ; this year we have had XXXX fraud attempts with XXXX card. 

Our XXXX cards have never been lost or stolen, yet these breeches have continued for three years. The charges were made out of state, at supermarkets, fast food businesses, etc. Our frequency of use of the XXXX other XXXX cards is about the same as the XXXX card ; ditto the Visa XXXX. However, cards processed by XXXX itself, have not been breeched. XXXX XXXX was breeched once several years ago, due to a problem originating at the processing bank. 

Why does XXXX XXXX XXXX not conduct its business in a proactive way, to prevent fraud attempts rather than acting after the fact. Our latest cards, whether bearing the Visa, XXXX, or XXXX logo all have the new " chip '' technology. In my opinion, security has to be improved. The name of XXXX XXXX, on whose behalf XXXX processes the card information, suffers by association.
Product: Money transfer, virtual currency, or money service

They still haven't gave me all my money back and they told me they was gon na give it back and I said that it was the the claim was pay in a resolve but I never got
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit Reporting act XXXX Account ending in # 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 an 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX XXXX XXXX and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
Product: Credit card or prepaid card

To whom it may concern, I am submitting this complaint regards to a transaction in the amount of {$660.00} made on my Wells Fargo Cash Wise Visa card ending in XXXX on XX/XX/XXXX ( Dispute # XXXX ). 

I am owed a full refund on this purchase as the merchant did NOT provide the services that had been promised. Effectively, the merchant charged me for services that they did NOT provide. I had to pay the merchant before any services could possibly be rendered. However, after paying the merchant the full amount, the merchant FAILED to deliver and repair my vehicle as promised. And now, they're trying to claim money ( {$660.00} ) that does NOT belong to them as they rendered NO services. 

I contacted the merchant on XX/XX/XXXX and they confirmed via email that a full refund IS owed. 

I would like a full refund at this time as I will NOT be paying {$660.00} to a merchant that did NOT provide the services that had been promised. That is beyond deceitful and moves into the territory of fraud. As such, I expect a full refund especially since the merchant themselves had now confirmed that a FULL refund is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made numerous attempts to dispute the fraudulent information from my credit report through online filing, mail, and calls without getting anywhere. Online disputes are being closed the same day with no proof the information is accurate or that I've provided written authorization that allowed these companies to access my credit report. 

The burden of proof lies with you as the credit reporting agency. Since I'm advising this information was NOT authorized by me, the consumer, I would appreciate this information removed from my credit report. 

Where I've been able to find out the company, I've attempted to make contact with them and advise them they've fraudulently reported information on my credit report. I've yet to been able to get anywhere with any of these companies. 

I've also filed a formal FTC complaint on this matter to further secure my information from potential identity theft. As well as purchased subscriptions to place 'locks ' and 'freezes ' on my credit report with your company. 

A full listing of each of these fraudulent accounts is below : XXXX Account XXXX XXXXXXXX XXXX Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX A full listing of each of these fraudulent inquiries is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account below has engaged in inaccurate and fraudulent reporting on my credit report. This company has reported a false late payment on XX/XX/XXXX with XXXX agency, and another on XX/XX/XXXX. I've attempted to work with them and argued the fact the payment was not late to no avail. They've now reported on my credit report the account was closed on XX/XX/XXXX and reported a late payment on XX/XX/XXXX. Since I've been unable to get anywhere with them, I wish my credit report to be corrected with the accurate information of the account closure on XX/XX/XXXX and the false late payment in XXXX remove immediately. 

XXXX Account number XXXX I greatly appreciate your assistance in updating my credit report and ensuring it's accuracy. If you believe any of the information is accurate, I demand proof of this so I can begin any necessary legal action with counsel to get this rectified. 

Thank you! 

Sincerly, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and removed from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. Chime bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from 2013-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX {$4100.00} Date Opened : XX/XX/2019
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2020, I checked the exchange rate of US dollar to XXXX dollar as I wanted to send money for XXXX to my family. 

The exchange rate for the day was XXXX When I went to Western Union to initiate the transfer to XXXX, their rate was only XXXX, far below the daily rate. Plus I was charged {$37.00} for the transfer itself. 

I find this to be deceptive. I was only aware of this after I made the transfer when I was given the receipt. 

Why would they not give us a fair exchange rate? This is hurting many people financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}
Product: Credit card or prepaid card

Capital One did not provide me with adequate privacy disclosures required by law. Therefore, I rescind my consent that I knowingly or unknowingly provided to your company, its employees, affiliates, non-affiliates, assignees and any other entity, to share my nonpublic personal information. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. I have a right to opt out of my information being shared and hereby do so. The Gramm-Leach-Bliley Act limits your ability to share my personal financial information with certain non-affiliates. I HAVE A RIGHT TO PRIVACY. There is no law that gives you the authority to share my nonpublic personal information with any consumer reporting agency. I demand that you delete your account from any consumer reporting agency that you have furnished with my information in regards to any extension of credit, contractual, and or transactional relationship that I may have had with your company. You have failed to clearly and conspicuously disclose to me that my financial information may be disclosed to a third party. I was not given the opportunity, before the time that my information was initially disclosed, to direct that such information not be disclosed to the consumer reporting agencies. Lastly, I was not given an explanation of how I could exercise the nondisclosure option. DELETE the tradeline that you are currently reporting to any consumer reporting agency. Failure to do so, once this notice is received, will be an infringement upon my right to privacy. It would be in the interest of both parties to resolve this matter so that legal action will not be necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Credit reporting or other personal consumer reports

XXXX Report Number Follow up, I wanted to attach this document to the complaint as well that shows what was stated on Trans Union 's Website. As, well as proof of why it should be removed. It is a flagrant violation of the FCRA. Please refer to the other complaints in regards to this matter. I demand from Trans Union everything stated in the previous documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear BSI, Thank you for the attached response letters to the CFPB. 

Attached is BSI XXXX XXXX from your website which provides the information for BSI 's Mortgage Servicer Licensing in Florida, namely. 
Florida Mortgage Lender Servicer License XXXX Please provide your Lender licensing information in Florida. 

Please note that the attached IRS Form 1099A lists BSI Financial Services as the Lender. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Checking or savings account

Unfortunately I have been being charged for {$29.00} late fees XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} XX/XX/year> charged {$29.00} I inquire about the charges that are constantly putting my account in negative and all I was told is it's mandatory to be charged but they only charge fee one time.
Product: Payday loan, title loan, or personal loan

Loan provider contacted me in XXXX to inquire if I would like to defer payment to which I did. They explained the deferred amount would be made at end of loan by making the term length longer per how many months are deferred. On XX/XX/XXXX they, with permission or my knowledge attempted to withdrawal the balance of the account that caused me fees and other hassles due my account did not have such a large amount in it. 

I contacted them and they denied how the end amount was to be handled but tried to withdraw again thus I had to put stop payments on the creditor. I contacted and was going to make payments by phone since there site only allowed for auto payments with access to my account. Since they could not be trusted I was stuck. They offered to allow me a 3 month deferment again but my payments made for the agreed amount were being stopped even though they should not have been. 

Now the creditor has filed a late payment on my credit causing great harm to it and refuse to cooperate in allowing me to make payments without giving them access to my account. 

I made payment for that was stated late and made stop payment again with a another account. I am at a loss of how to remedy this situation with Lightstream.
Product: Credit card

Two issues : First one, filed a dispute. Wells fargo sent me an email at XXXX telling me they tried calling and emailing and were unable to reach me. I questioned this and they did finally respond that they could find record of them calling or messaging me. I asked why they would send a letter that made me panic to respond to them and what they were doing to stop it. They never responded. 

Second Issue : Same dispute above as above. They sent me a letter telling me they would be crediting me the full amount of the dispute. I called to ask when I would received it, they told me the letter was a mistake and they decided now to only refund me {$800.00}. 

I have records of all the above that I will provide as needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block ALL items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}