23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I recently reviewed a copy of my credit report. I was shocked to learn I have been a XXXX of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT VW CREDIT XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$46000.00} {$46000.00} {$46000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/XXXX balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Payday loan, title loan, or personal loan

I took out a Paycheck Protection Program loan for {$12000.00} through XXXX on XX/XX/XXXX. That loan was subsequently sent to Scratch to be managed. 

The majority of the loan was forgiven and paid off by the SBA on XX/XX/XXXX. I paid the remaining balance of {$1000.00} on XX/XX/XXXX. ( This is to cover the EIDL advance that was not initially forgiven. ) Congress changed the laws after I paid the remainder of the loan to say that the SBA would allow for forgiveness of the full loan, including the EIDL advance. Scratch has since received an additional {$1000.00} from the SBA on XX/XX/XXXX. Therefore, this loan is now overpaid by {$1000.00} and I am owed a refund. 

Scratch emailed me on XX/XX/XXXX to say that they have received my EIDL advance amount and that it would arrange a refund for me within 1-2 weeks. They never contacted me about this refund. 

I called Scratch on XX/XX/XXXX to inquire on the status of my refund, which was now overdue. A representative named XXXX said someone from Scratch would be in touch with me by the end of that week to process the refund. By Friday ( XX/XX/XXXX ), no one had gotten in touch with me. 

I reached out to Scratch using the online chat tool today ( XX/XX/XXXX ) to arrange for this refund and they said they could not expedite this or provide any information about when it will be processed, even though it is now 2 weeks overdue. 

I would like this refund to be processed and sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about AMEX. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd Attempt to tell you and Credit Bureaus that I am a victim of identity theft and I sent a complaint to dispute certain ITEMS in my file resulting from the crime. I'm submitting multiple Letters to Bureaus from XX/XX/XXXX until today XX/XX/XXXX regarding this issues. The ITEMS I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft pursuant to FCRA section 605b. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX These items are unknown to me. Also, the information provided on some ITEMS are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some ITEMS are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

Over the years, Ive had several transactions on cashapp that took money out of my account. I have asked to speak with someone but they did not provide anyone. I kept talking to a robot and my questions were not answered so I could not claim any of my money back. Also, cashapp has taken large sums of cash at gas pumps when I only bought a little bit of gas. I can not use my cashapp card at gas stations anymore. I have had to block companies that have tried taking money out of my account that I did not even authorize, because of there being no teller to help me over the phone. A regular bank would let you talk to a banker, however, they did not provide me with anyone to talk to about my money. I have missed bills due to me having money being taken out of my account unnecessarily. Cashapp has the dates of all of the threads where I have talked to the robot and nobody got back with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2023 and here is proof that Equifax is lying to me and the CFPB. I have been sending letters and complaints about fraudulent inquiries on my Equifax credit report and Equifax is responding here and also in letters saying that those fraudulent inquiries are been deleted it. I also sent them an identity theft report and nothing. Here I include a letter they sent me and also 4 complaints that they responded to and said that the inquiries have been deleted, I'm also including a credit report from today 's date XX/XX/2023 from their own website that shows that all those inquiries are not deleted as they say and still on my credit. The most recent complaint from them was on XX/XX/2023 here on the CFPB portal where they said those inquiries were deleted and they are still on my credit report.
Product: Credit reporting or other personal consumer reports

Concora Credit updated my credit file with XXXX and XXXX that XX/XX/2023 was late. 
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 
Under 15 USC 1681 section 604a section 2 also states consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XX/XX/XXXX, a gmail from XXXX XXXX  of my current balance XXXX, minimum payment XXXX. I immediately contacted XXXX XXXX  inquiring of its detailed authorization. They had the same data as I had. As a result however, a correction was made to XXXX, minimum payment XXXX. I made that payment XX/XX/XXXX. I've made XXXX -- in purchases. XX/XX/XXXX, I received a gmail from XXXX XXXX  showing a balance of XXXX, minimum payment XXXX.
Product: Debt collection

The company claiming I owe this medical debt is reporting to the 3 major credit agencies damaging my credit and I have never even heard of them and says the date opened wasXX/XX/18. this is impossible because I have full coverage insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

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

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

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

This is where I am today with TransUnion  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  very frustrated. I called and told them this. I did not authorized these accounts. Same accounts have been unverified and there is NO Contract.     I also said dont know what else to do. When the representatives said to just keep calling the credit companies. So, I se nt 609 letters to dispute felt a since of no worries but have sent two rounds of 609  letters. Ready to send a third round of letters.     I have called these companies ;  XXXX   XXXX   XXXX  - {$30 0.00},   XXXX   XXXX  - {$400.00},   XXXX   XXXX   XXXX   XXXX  - {$310.00} and   XXXX   XXXX  - {$300.00}.  Reporting closed Collection  accounts but currently open and over credit limit by {$1.00}, derogatory remarks, late pay and as Charge  Offs/Bad Debt. All neg atively reporting.     It was stated in their responses  to my 2 dis pute letters that you have verified that the items listed are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. To show my signatures on Contracts. The fact they have ignored my request to send me copies of the documents that was used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said would happen.      Failure to delete and remove the disputed accounts that they cant verify after two written requests is also telling me the evidence of their willful disregard of Federal Law. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and a Court will order you to delete them.      You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violatio n of 1681 ( a ) ( 4 ).      I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violati on of Federal Law a nd evidence of your willful disregard of the law.     Please be advised that un der Section 611 ( 5 ) ( A )  of the FCRA you are required to promptly DELETE all information which can not be verified. I am requesting that they do this immediately.     The law is very clear as to the civil liability and the remedy available to  me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delet e all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.     This is my complaint and demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX $ XXXX {$900.00}, XXXX XXXXXXXX {$300.00}, XXXX  {$130.00}, XXXX. These cards were open in my name without my permission. I pay cash for everything I own. I dont believe in cards
Product: Checking or savings account

C/O XXXX XXXX XXXX XXXX ) NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union Used unfair and deceptive practices to Collect Debts and Placed Unfair Restrictions on my Account and Access to my funds. 

I am writing to formally claim damages caused by the unlawful collection practices employed by Navy Federal Credit Union on XX/XX/year> I never received a collection notice from NFCU. 

I received collection activity on member account from NFCU regarding an alleged debt after my direct deposit was made NFCU violated my rights under the FDCPA and caused me significant financial harm and distress. 

I would like to bring to your attention the damages I have suffered as a results of NFCU unlawful activities. 

XXXX. Emotional distress. You NFCU and your aggressive and harassing collection tactics have caused me significant emotional distress and anxiety. 
XXXX. Financial losses. You NFCU and. Your unlawful collection practice have caused me financial losses. 

Pursuant to the XXXX XXXX, the CFPB has XXXX authority to take action against institutions or individuals engaging in unfair or deceptive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the order, Navy Federal Credit Union is required to : * Correct debt collection practices : NFCU credit union did not create a comprehensive plan to address how it communicates with its members about overdue debt. This includes refraining from any misleading, false, or unsubstantiated threats to contact a consumers commanding officer, threats to initiate legal action, or misrepresentations about the credit consequences of falling behind on a Navy Federal Credit Union loan. 
* Ensure consumer account access : Navy Federal Credit Union can not block its members from accessing all their accounts if they are delinquent on XXXX or more accounts. The credit union must implement proper procedures for electronic account restrictions. 
Illegally froze access to my fund and blocked access to funds in my accounts : transferred funds from checking account ; without prior proper notice as required by federal law. Then left me with {$74.00} from my pay check The credit union froze electronic account access and XXXX electronic services on my accounts after consumers became delinquent on a Navy Federal Credit Union credit product.
Product: Credit reporting or other personal consumer reports

I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX  out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX  and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through TransUnion several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX  out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.
Product: Credit reporting or other personal consumer reports

This is a continuation of CFPB complaint XXXX regarding XXXX account # XXXX. The attached response letter from XXXX XXXX, " Due to a manual error when updating your account, your account was incorrectly reported as past due. '' The attached letter from XXXX also states, " We would like to confirm that on XX/XX/2023, we submitted a correction to the credit bureaus to have your payment and account history updated. '' As of XXXX, two incorrectly reported 30-day late entries of XX/XX/2023 and XX/XX/2023 remain on my TransUnion credit report. I submitted an online dispute to TransUnion on XX/XX/2023 to have the incorrect entries removed and instantly received a result stating there were no inaccuracies found. I contend that TransUnion violated the FCRA by failing to properly investigate my dispute claims. If TransUnion reached out to the credit furnisher ( XXXX ) as required by law, it would have been apparent that the XX/XX/2023 and XX/XX/2023 XXXX lates were inaccurate information. I also contend that TransUnion violated the Fair Credit Reporting Act ( FCRA ), which states that XXXX must correct or remove incorrect information from my consumer credit report. My credit rating was adversely affected by TransUnion 's failure to correct inaccurate information, and I was denied credit as a result.
Product: Vehicle loan or lease

During the months of XXXX XXXX and XXXX there were inaccurate billing issues. XXXX of 2020 the company reported to the credit companies that I had made a late payment. I have two bank accounts, one ending in XXXX and the other one ending in XXXX. I had made my payments accordingly, then kept getting notified that the account was not found. XX/XX/XXXX my payment was returned, XX/XX/XXXX was attempted to pay again, returned, XX/XX/XXXX was attempted, returned, then XXXX was processed. They can not explain what happened, my bank had no issues ( who I contacted ) and Ive used the same accounts and the same processing for my payment every month for the 3 years Ive had the account. They made me pay multiple fees and it clearly states I was properly making the payments and now it affects my credit score dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

SS # XXXX I have submitted police report to Experian as well as a letter of dispute for each incorrect fraudulent activity on my credit report. And the issue has not been resolved. I am a victim of identity theft 2x. Experian has not removed the following fraud inquiries and credit card and Bankruptcy. Please review my documents I have lived in XXXX  10 years. There is a XXXX XXXX   bankruptcy reported XX/XX/2015 reference number XXXX.

Inquiries 33 total most of these are online inquires I researched. Online payday loans .Please Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my account
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

I had a VA mortgage that was foreclosed on XX/XX/2016. I have a letter saying this is the date the foreclosure was completed. 

Wells Fargo Home Mortgage continues to report a late payment each and every month for the last 3 years even though the account is closed. 

I need them to stop reporting late payments on an account that is closed. 

Last year I talked to about 10 different people to get this resolved and they assured me that the faulty reporting would stop. They failed to stop.
Product: Checking or savings account

I made a cash deposit of {$150.00} to my bofa checking account thru an atm at the XXXX XXXX location on XX/XX/21 it went thru money showed posted on account. On XX/XX/21 my {$150.00} deposit had a reversal of {$150.00} and over drafted my account. No call or letter was ever given to me I called aswell and was told I couldnt dispute it.
Product: Debt collection

I consulted with a 60 day credit repair agency in XXXX of 2020 and never signed a contract or agreement. The verbal agreement was to go month to month until I cancel. NO CONTRACT WAS SIGNED. After 60 days, I decided to cancel going forward with 60 day credit repair. They then resourced XXXX XXXX, XXXX of XXXX Florida. I received 2 phone calls and no documentation identifying me to this debt collection. They can not show me a signed contract by me and attempting to collect a debt for {$1200.00} now visible on my credit report. This is a fraudulent practice and harassment. 

Attached document is the ONLY agreement I willfully signed and is by no means a contract.