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

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. XXXX is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you XXXX XXXX, XXXX, and Equifax did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX ) XXXX the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.
Product: Debt collection

I have reached out to Exquifax and XXXX XX/XX/2019 to verify this debt and have yet to get a response as it has been passed 30 days but they have updated the balances on this account when this is a charge off and should not be reporting a balance. Theres also  several violations with the way this account is reporting as well for example both bureaus are reporting a different high balance, a different date of the opening of the account, reporting the account as not disputed, the payment statuses differ as well as the last payment dates. The term length is not listed with Equifax which is another violation! According to the FCRA all bureaus should be reporting the same information across the board. All of this information is inconsistent, and inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXXXX XXXX I worked XXXX XXXX XXXX  to ensure people XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance regarding a discriminatory incident that led to a subsequent wrongful termination. On XX/XX/year> I visited the Stellar Bank branch located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, to cash a check for services rendered to one of their clients. Upon entering, I was met with what I perceived as discriminatory behavior from a bank employee, evidenced by hostile and prejudiced nonverbal cues. When I presented my driver 's license, the employee 's negative reaction intensified. I voiced my concern about the discriminatory nature of her behavior. Subsequently, she consulted with colleagues and indirectly implied my license was fraudulent, refusing to cash my check. 

Following this incident, I received an audio message from the bank 's client indicating that Stellar Bank had falsely accused me of presenting a fake ID and being rude. Said they called the Authorities. As a direct result of this false accusation by Stellar Bank, the client terminated my services. I believe this constitutes both discrimination and defamation, and Im interested in pursuing legal action to address this situation and seek appropriate compensation for damages incurred. 
The client who sent the audio message confirming Stellar bank told them I came in with a fake ID. Deleted the audio message and that XXXX number is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX  Account number : XXXX Original creditor : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXXL Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX- XXXX XXXX : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster
Product: Credit reporting or other personal consumer reports

I am requesting an opt out of this account from reporting to any non-affiliated third parties ( including any credit reporting agencies ) under The Gramm Leach Bliley Act and The Privacy Act of 1974. Please provide me with an reasonable opt-out form that can be submitted electronically under Regulation P - Privacy of Consumer Financial Information ; 12 CFR Part 1016 along with the original cardholder agreement listing the proper disclosures of opt-out options if you can not honor the opt-out request through this CFPB complaint.
Product: Checking or savings account

XXXX, our booking agency, confirmed tickets and processed payments from my checking account with Capital One. However, our flight airline, XXXX XXXX, repeatedly changed flight departure date and claimed numerous of times they werent able to see our tickets within our system. Even checking in on their website was hard to do as it wasnt showing up even what their agents claimed. Capital one I disputed all five charges since I bought five tickets for me and my friends, didnt give me any provisional credit, despite this being a large transaction and their terrible reputation ( XXXX XXXX XXXX for things of this nature.
Product: Student loan

I am filling a complaint because my Navient student loan was recalculated without my consent in a manner that I believe to be illegal. Additionally, the communications I received directly from Navient concerning forbearance proved to be misleading and unnecessarily confusing. This is especially disheartening as I am ending the end of my loan and have never missed a payment in over 30 years. 

On XX/XX/XXXX, the State Government of Ohio declared a shut down due to coronavirus. At that time the President of the United States informed the public that the interest rates on federal student loans would be 0 % and student loan holders were advised to call their lender if their employment was affected. 

XXXX XXXX XXXX officially closed routine medical care practices on XX/XX/XXXX leaving me, a XXXX XXXX  XXXX, out of work until the opening on XX/XX/XXXX. I called Navient on XX/XX/XXXX to inform them that I was out of work dut to Covid-19 shut down and that my ability to make payments of {$540.00} could possibly be affected. The Navient representative told me that I did not qualify for 0 % interest, but I could still make payments. I made it abundantly clear that I did not want to do anything that changed the terms of my loan. This representative assured me that my loan terms would not change. 

I have enclosed my account summary information that confirms a full payment of {$1200.00} well in excess of the {$1000.00} due for the month of XXXX. Despite this, I received notification that my loan balance had increased by {$4600.00}. After receiving this notice I immediately called to have forbearance canceled. This request was ignored. I have since received correspondence stating an increase in payment from {$540.00} to {$570.00} until XX/XX/XXXX. 

Upon questioning Navient, on XX/XX/XXXX, about the increase in payment and failure to cancel forbearance I received a strange answer. I was informed that the payment increase was due to a miscalculation between Sallie Mae and Navient that occurred during a transition between the two companies in XXXX. This is simply not an acceptable response and I am requesting my loan terms be restored to their pre-crisis level.
Product: Checking or savings account

I was constantly charged fees my account was frozen balance was always incorrect
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : passport ID Number : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXXXXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : : XXXX Routing # : XXXXXXXX XXXX XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : : XXXX Routing # : XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : : XXXX Routing # XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Date breach and there are some incorrect information on my credit report.
Product: Debt collection

APPLE CARD/ GS BANKS USA consistently calls after I ask for signature proof of me a agreeing for a debt with APPLE CARD/ GS BANKS USA to be sold or signed off to APPLE CARD/ GS BANKS which I did not do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter of verification from the Social Security Administration for verification of my social number. Chex Systems , Inc., is requesting a letter of verification from the Social Security Administration for verification of my social security number in order to research my dispute. I have faxed a copy of the letter of verification from the Social Security Administration to Chex Systems , Inc., as well. I am a victim of identity theft and have a current police report on file with Chex Systems. The following reported information, inquiries viewed by others and only by you currently listed on my Chex Systems , Inc., Consumer ID Report : XXXX is fraudulent and unauthorized reported information and inquiries : XXXX XXXX XXXX, XXXX. Account Number : XXXX, Account Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The reported information and inquiries are fraudulent and not my account or inquiries. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with TransUnion. I wanted to sign in to review my credit report. I could not sign in. The website said it would send a verification code to my email. I never got the email. I could not contact TransUnion Customer Service to resolve the problem, because they do not disclose a phone number on their website for Customer Service. All help offered on their website is self-help using their help guides. Credit Reporting agencies should be required to disclose a human help number on their website when their self help suggestions can not resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH XXXX. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.
Product: Debt collection

This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XX/XX/XXXX. I gave evidence of same and they continue to state it was opened in XX/XX/XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX 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 card or prepaid card

I applied an Amex/XXXX credit card with the welcome bonus XXXX XXXX points. 
After I spending exceed the reward credit limit {$3000.00}. I didn't receive the points. 
I called Amex credit card customer service and was informed that my welcome bonus has been declined with no reason. I have been trying to contact them again but Amex is keep telling me to wait and even one guy said the points was declined by XXXX. After that I call XXXX 's customer service and was told that XXXX has no right to decline anything because the points should be given by Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on my student loans ( AidVantage ) with XXXX and will be doing so with the other credit bureaus. They did not fix the issue. I was still in college in XXXX and graduated in XX/XX/XXXX. XXXX reported that a late payment in XXXX which I was in a grace 6 months after graduating and reported several in XXXX. I was in forbearance in XXXX as my mom had XXXX and even shows on their own documentation that I was in forbearance in XXXX. XXXX did not fix this issue and when I called AidVantage they said they seen this but I would have to dispute it with the credit bureaus. It's ridiculous that I even have to do this to get this off of my credit report. XXXX made a lot of mistakes and has been sued for those and this is one of their mistakes that needs corrected. If I have to get an attorney to get this fixed I will. It says right on the paper work from AidVantage that I was in grace and forbearance during these times. I will also being sending this complaint to the Department of Education and some other folks to look into this. 

Grace- XXXX Administrative Forbearance- XX/XX/XXXX through XX/XX/XXXX Administrative Forbearance- XXXX XX/XX/XXXX Admin Forbearance - XXXX XX/XX/XXXX Disaster Forbearance XXXX Voluntary Forbearance XX/XX/XXXX - XX/XX/XXXX
Product: Vehicle loan or lease

I did an application for a consumer credit transaction with XXXX XXXX in which they told me XXXX needed me to put a down payment of {$6800.00} on a used XXXX XXXXXXXX XXXX and a 5 year verification letter stating I will be getting public assistance for the length of the loan. How does Congress define income? What law requires a consumer to provide proof of income for the length of the consumer loan? Why was I being offered installments when a purchase money loan is for a finance charge?
Product: Debt collection

Many years ago ( 10+ ) I got divorced and my credit was shot due to factors including ex wife quitting her job ( before the divorce ) and us not being able to pay credit cards and other debt due to young age and all that. 

My credit was destroyed and it took me years to rebuild it and got to where I can buy a house etc. I had only one negative left on my report which was a collection for a previous credit card or something - from Portfolio Recovery Solutions. 

I decided to try to do the right thing and called them to work out a deal. They put me in touch with their " legal '' department directly with a rep. I talked to him and they agreed to take 50 % and the debt would be marked as paid and NO LONGER REPORTED to the credit bureaus. I paid them approx $ XXXX ( half of the debt owed ) and then some time later I notice on my credit bureau a new charge with UPDATED DATE with the new balance. 

I've disputed this with all three bureaus 2 or 3 items each including all the emails from the collection agency. They continued to call me, send me letters, harass me about this debt and when I explain to them what happened they just say okay we'll research it then NOTHING HAPPENS. I know that credit bureaus and collection agencies will not DELETE an item from a report when it is settled, but it should have been marked as SETTLED and the balance should NOT HAVE BEEN REPORTED and therefore by now that negative would no longer be showing on my credit!!! 

This debt is from 10+ years ago but because I paid them they updated the date to XX/XX/2016 which I am now struggling to get this removed. I am trying to refinance my house and because of this one thing it is causing issues. 

This is NOT RIGHT! 

Attached are the emails with the " lawyer '' you can see what they agreed upon. Once I Paid they ghosted me, they would not respond. I sent multiple emails with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company claims they properly verified and validated info on file for the below listed accounts though they did not respond to certified letters within 45 days time as required They also would not have been able to verify as XXXX XXXX / Consumer was not a secured loan it was an auto loan it also was paid off completely a month ago with no payment due. 

They are showing late for XX/XX/XXXX and XX/XX/XXXX creditor just validated yet again that they provided bureau with notice to remove those on XX/XX/XXXX at XXXX reviewing credit report they were in fact updated for this account on the XXXX as advised however they did not remove the XXXX months in question per creditor request
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to remove these items off of my credit report due to inaccuracies. Credit bureau are reporting wrong information and are allocating debts that are not mines. Below are the discrepancies that are throughout 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX, during the housing crisis, we had to sell our property because of the losses we were incurring. We tired to sell it but could not. We received the foreclosure notice XXXX, XXXX and the foreclosure date was XXXX XXXX, XXXX. We were sure it was foreclose because we received tax documents from the mortgage holder telling us what price it foreclosed for and how much we taxes we owed for the difference between the sale price and the amount owed. We paid those taxes in out XXXX tax return. Now they are say we still owe on the loan. We need this resolved as soon as possible. The loan was sold to Ocwen and they are coming after us for the loan again.
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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 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 for these violations
Product: Credit reporting or other personal consumer reports

as my lawful and rightful consumer declaration of recently and currently discovered items with probable fraud that are not certifiably compliant in reporting and/or otherwise appear to be deficient in its reporting status ' as reported when reported. 
Furthermore, this compte rendu serves as my consumer 's rightful demand for a sufficient investigation/reinvestigation into every part of any delinquency and or disparaging data charged of me to ensure the sufficiency of lawful reporting!