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

I have tried over 5 years now to rebuild my credit and my name from fraud someone using my name and credit. I have called every credit bruea and debt collectors but they have not done anything about it and the debt collectors told me well its my information when i wouldn't be of age to legally use my credit or name on anything but they still took money that i have worked hard for because of someone using my information. I have called the credit bruea and they have out a freeze on my credit but it still hasn't stopped it from happening. I have been fighting for my name and credit since 2007. I cant even get approved for a Secured card because of it. Please help me. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was paid on time over phone ( see letter where they gave me a payment confirmation No as receipt of payment with date time and name of the officer mentioned in the letter ) and two checks were sent to them in which were left uncashed. 
They put a 30 days late in XX/XX/2019 on my personal redit report with all three credit reporting agencies EQUIFAX, XXXX AND XXXX
Product: Debt collection

I got rebilled from XXXX for something I was told to throw away or donate because of covid, I have called them several times and have gotten disconnected after being on hold forever, cant get through and my email was never responded to. 
This nightmare began when my daughter received a Visa gift card and since shes a minor she used my XXXX account to purchase boots from them. She purchased them and used a {$10.00} note ( a credit ) ending inXXXX which brought the total to {$22.00} and the original transaction was on XX/XX/20. She received the boots and they were clearly used and one even had a sole insert in it. I was so mad that they would send something like that during covid. I called XXXX customer service for my daughter, mind you she is a minor and I remember for holding for a lil over 2 hrs and was told to donate them or thrown them away. We did, then I get billed again and never received a credit so it made no sense. XXXX customer service is horrible you can not get through and I am not willing to be on hold hold for a ridiculous amount of time anymore. I emailed them and they dont correspond. They are harassing me at this point because the gift card company did pay them off on XX/XX/20 and to top it off they charged the full amount not taking the credit for the {$10.00} note, they were paid {$32.00} and should not have been paid. Then I got billed from from Sentry Credit , Inc. Ive emailed them several times since I got the later and sent them all this attached also but Ive gotten to response. Please help me get a response and this settled. I pay my bills and I dont need this ruining my credit. I think covid just messed things up for everyone hopefully its a misunderstanding from covid and they get this resolved.
Product: Bank account or service

We initiated a transfer of funds from our Capital One 360 account ( formerly ING XXXX Checking ) to our Capital One checking account. There was an error during the online transfer, per the website. The money came out of the 360 account, but never made it over to the Capital One checking, i.e. now it is nowhere ( except in the Capital One Bank account for lending, of course ). The transfer was initiated on Thursday, XXXX XXXX. We have called the bank XXXX times through today, XXXX XXXX and still no resolution. We still have no access to our money, and the bank continues to tell us it will be fixed. 

Also today, Capital One Bank initiated another transfer of funds from our 360 account TO the Capital One Checking, they say in an attempt to fix the original problem. This transfer also did not hit the Capital One account and is now nowhere. This was NOT a correction since it was the wrong way, they took MORE money from the 360 account, not a reversal of the original. We did NOT give the bank permission to take this money from our account and now it is also gone. 

We consider this a matter of theft on the part of the bank, and fully expect a criminal investigation. We were told on Friday, during our XXXX call to the bank the the problem was wide-spread for all transfer on Thursday. This should be considered a class action suit along with the criminal suit and I encourage everyone involved to pursuit as we are.
Product: Debt collection

I have been served documents by the Winn Law Group who is representing XXXX XXXX XXXX XXXX XXXX which was dated on XX/XX/XXXX for a non-existing debt. I made 4 attempts to contact their office number which is XXXX XXXX XXXX and it goes straight to an answering machine. I made a 5th attempt and a secretary picked up than she transferred me to an answering machine which belongs to a XXXX XXXX. The message I left for XXXX XXXX on his answering machine was to inform him that I would like documents of the said debt, this is the wrong person, and I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX that there is no debt. I
Product: Credit reporting or other personal consumer reports

My credit file has been mixed with my sister for almost 3 years, despite disputes. I have some of her student loans, credit cards, and auto loans on my account with XXXX and XXXX XXXX. In addition, her name and previous addresses come up using my social security number as well which prevents othe

r 3rd party companies from verifying my address, identity, income, etc. Most recently, o
n XX/XX/XXXX I was unable to get a new car insurance policy due to the fact that my rate had gone up by {$670.00} because of a report from XXXX and LexisNexis that provided the insurance company with my sisters driving history instead of mine.
Product: Credit card or prepaid card

Had a Chase credit card for over 20 years. Never late. Card was suddenly closed
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX, Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Opened a XXXX credit card back in XXXX made purchases and payments on it. In XX/XX/XXXX I started getting correspondence addressed to the estate of XXXX XXXX saying that I was deceased. My friends and family started reciving phone calls asking who was in charge of my estate to which they responded that I was not deceased I had told them the samething when they contacted me. They closed my account anyway. This is not fair to me as I'm not deceased I made payments on time. Citi bank is also condmfusing this with a sears Mastercard that I had back in XXXX that was a victim of fraud which is not the card im writing about. Im writing about XXXX Master card. They say they can not reopen the account that is not fair to me. I explained to them that I was alive and well. Iam asking that at least a new card be issued to me cause of all the inconvenience.
Product: Debt collection

I have contacted the AR Resouces Agency through this site already and their response was that the an incorporation in PA, holding the same name, holds my debt. I have contacted the Credit Bureau Companies and they have informed me it is the agency from FL. I want written validation and contact from this agency claiming I owe a debt from an institute where it was stated it originated. The originating institute has no record of this owed debt or of giving this nonexistent account to debt collections. 
The only way I found out I had this debt, is it appeared on my credit score after being open for 2 hrs and I have received no contact or notification from any agency.
Product: Credit reporting or other personal consumer reports

Please remove from report. Company response has been more than thirty ( 30 ) days. ( FCRA ) Company response is in progress as of XX/XX/year>
Product: Student loan

Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message.

I have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their XXXX, who was also unable to help and could not suggest how to resolve the issue. 

This means that my only method of paying my student loan ( as I live outside the country ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment. 

Of course I am concerned about not being able to make timely payments because of issues which appear to be on their end.
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian . These accounts needs to be removed immediately.

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, Equifax, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, Transunion, and Experian report.

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$6300.00}
Product: Student loan

I have an issue with  Sallie Mae because they ca n't offer me any type of repayment plan that is in line with my income. They said I gave up the right to graduated payments because I had to go into forbearance while I searched for another company to refinance with. I do n't qualify with any of the other finance companies because I do n't make enough money. I called Sallie Mae twice   today to ask if there was some way I could avoid defaulting on the loans and sparing my co-signers credit  XXXX . I offered to make payments on the loans but I ca n't afford the full amount.  Sallie Mae told me that I would have to let the loans go into default or delinquency for  XXXX  days before anyone in Sallie Mae Collections  would call me to ask me why I was n't making full payme nts. Only then, would they offer me alternatives. This is, of course, after everyone who co-signed with me has a  XXXX  late on their credit report which lowers thei r credit score significantly. I owe Sallie Mae {$170000.00}. The payments are {$1500.00} a month. I can pay maybe a {$1000.00}. Even this amount leaves me with no disposable income. Sallie Mae wo n't work with me. I 've tried every possible alternative I can think of before  just defaulting on the whole mess. And taking my whole family down with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a mortgage loan and XXXX XXXX said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency XXXX, XXXX and Experian and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX and Experian
Product: Student loan

I called to inform Navient that my mother had passed and that all the expenses for everything ( travel for my XXXX sisters and I, along with arrangements ) were coming out of my pocket. I already had a balance and said that I would be willing to work with them to resolve the balance, but I needed the next 4 months of payments to be postponed because of the $ XXXX in arrangements that I had to pay ( so far ). The only thing they did was tell me they could lower my payment by {$100.00} but it would have to be automatic payments. I said I would pay the {$680.00} to get my account up to date, but would not be making payments for something I could not afford over the next 4 months. The supervisor then said that she would no longer enroll me and that I had no options, and refused to work with me any further other than take a payment.
Product: Student loan

I have not taken a school loan out ever. Whoever did either stolen my information or a very misfortune mistake.
Product: Credit reporting or other personal consumer reports

Lexis nexis are reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the XXXX court of XXXX, ga, which is false. I have a attached a letter from the XXXX XXXX XXXX XXXX ga, verifying and stating that they do not furnish information over ti the credit bureaus or any credit monitoring services nor do they verify or validate any information concerning bankruptcies. XXXX, XXXX and XXXX is falsely stating this information on my credit report and have yet to remove this my credit report. Thai bankrupcy is also fraud because I never applied for bankruptcy so its not my bankruptcy
Product: Checking or savings account

I CALLED NAVY FEDERAL YESTERDAY ON XXXX BECAUSE I WAS TOLD TO REACH BACK OUT TO THE FRAUD/CHARGE OFFS DEPARTMENT WHEN I CALLED OVER THE HOLIDAY WEEKEND. THE REPRESENTATIVE WHO I SPOKE WITH WAS VERY HELPFUL AND I WAS TOLD THAT THE REPRESENTATIVE THAT ORIGINALLY FILED MY DISPUTES, SUBMITTED THEM WRONG AND SHOULD'VE BEEN SUBMITTED AS FRAUD AS THERE WERE FRAUDULENT CHARGES ON MY ACCOUNT. I WAS TOLD THAT I NEEDED TO FILE A NEW FTC REPORT FOR MY IDENTITY THEFT AND FRAUDULENT CHARGES. NAVY FEDERAL CLOSED MY ACCOUNT IN XXXX AFTER REVERSING MY CREDITS WHEN THE CREDITS SHOULDN'T HAVE BEEN REVERSED AS I DID NOT RECIVE ANY PRODUCT OR SERVICES FROM INSTACOINS AFTER XXXX OF XXXX AND DID NOT AUTHORIZE THESE CARGES. PLEASE SEE ATTACHED FILES
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven veers 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and, I noticed Fraudulent accounts ( Inquiries on my credit report I don't recognize * XXXX XXXX XXXXXXXX. Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Prepaid card

I am contacting you in regards to a dispute between me and my financial institution. Me and XXXX XXXX were previously using a venue as our wedding venue. We have agreed to part ways in business and per XXXX who is the merchant and business owner, we had the deposit of XXXX refunded back to our debit card ending in XXXX minus a XXXX processing order fee equaling XXXX. My bank is requesting a receipt from that business or a confirmation that this refund is in regards the deposit of XXXX-XXXX processing fee= XXXX ( refunded back ), the original transaction from your venue to my card ending in XXXX was XXXX from XXXX XXXX XXXX XXXX done on XXXX/XXXX/15 and the method of payment was debit card. I have informed them that the merchant is refunding back the full deposit and that the XXXX was XXXX of XXXX payments equalling XXXX They are refusing to provide me my money back and have made it impossible for me to speak to a supervisor. My account was negative and it paid the negative balance back but they are not wanting to give me my money back. I have informed them that this money is vital to dfeed my children, and to take care of my daily life yet I am being treated like a criminal and not given realistic options even fter I have contacted the merchant. I am just looking to get my money back and I will no longer do business with this company after this
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I discovered I could not perform any transactions to my PayPal account. I received a message that the account was under some court legal restriction. I have not received any court papers from any company. I do not owe any lawyer or company. I requested to close this account due to my past history with ID tax theft which cause a spiral of identity theft to my banking, tax and credit report. I would like for this account to be closed as soon as possible for fear of future damage and fraud. On XX/XX/2021 I spoke to PayPal concerning this issue and the fraud and Id Theft concerns but without resolution.