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

I have been a victim of transunion inquiry issue. I called them on XXXX/XXXX/XXXX to try and resolve this issue but customer service was no help to me. Please help in getting this issue fixed. The following inquiries need to be removed from 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 filed for bankruptcy almost eight years ago and it was dismissed in XXXX of 2011. I have been asking all three bureaus to either remove the bankruptcy from my credit report or at the least show the updated information, that it was dismissed and remove the balance. They have refused to respond to my numerous letters and have not taken any action as far as I am aware. I have also sent them the discharge paperwork, which I will include here.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. These transactions do not relate to me as the consumer block and remove 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

My Mohela account consisted of 3 Loans as follow : My Primary Federal Student Loan : reporting at XXXX // {$72000.00} 2 PARENT PLUS LOANS : reporting at : {$4700.00} and {$11000.00} In XX/XX/XXXX, I requested to consolidate my 2parent plus loans from XXXX , I received approval to consolidate the loans in XX/XX/XXXX, However, the consolidated payment was higher than my 3 loan payments, prior to consolidation, I then requested for XXXX  to unconsolidate my loans, and XXXX approved to do so, However ; Mohela started reporting 2 additional loans to my credit report : XXXX AND the $ {$16000.00} loan amounts, After about XXXX of calls to Mohela and XXXX, the XXXX XXXX XXXX was removed from my credit report, However ; Mohela refuses to remove the 2 Parent Plus loans or the {$16000.00} loan ( s ). 
I have also complained to Mohela re : the extreme interest that has accrued on my original loan show an amount of {$52000.00} which is not accurate.
Product: Debt collection

Jefferson Capital just appeared in my credit report this morning XXXX XXXX Stating I owe XXXX for a debt of XXXX. 
I dont even contract with XXXX XXXX I have XXXX XXXX and have never contracted with XXXX EVER! I have never ever contracted with XXXX. Under the Section 809 of the Fair Debt Collection Practices Act this Jefferson Capital company is violating my rights. Claiming to have bought a debit account that I have never ever contacted with nor do they have any contract with me. They do not permission to report this lie to my credit report. 
Plus I read In XX/XX/XXXX of XXXX  that they claimed I opened an account with XXXX! That is a bold face lie. I have been with XXXX XXXX for several years now! How can they claim a lie like this! Its a violation. And they are committing fraudulent reporting of a debt that isnt mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX Account # XXXX, has violated my rights. 
XXXX CARD SERVICES Account # XXXX, has violated my rights. 
XXXX CARD SERVICES Account # XXXX, has violated my rights. 
BANK 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: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite multiple attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. 

I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. 

I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Cash app regarding not being able to speak to a live representative when I have issues with my account. Despite having multiple, fraudulent unauthorized transactions, I was unable to recover any of my money. This issue aligns with the recent CFPB findings against cash app for similar practices. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

WE HAD HAD A BESTBXXXX REPRESENTATIVE AT OUR HOME TO QUOTE US ON APPLIANCES FOR THE HOUSE. THE TOTAL AMOUNT OF THESE APPLIANCES WAS FOR {$8000.00} THE SALES REPRESENTATIVE HAD STATED THAT THEY HAVE A PROMOTIONAL OFFER WITH CITIBANK TO GET 18MONTH 0 % APR INTERESTS ON THE CARD. AFTER A WHILE OF PAYING THE CARD OFF WITHOUT SPENDING WE DECIDED TO PURCHASE A BIG REFRIGERATOR, SINCE WE HAVE 18MONTHS OF NO INTERESTS OR APR ONLY TO FIND OUT THAT THE 0 % APR INTERESTS CHARGED ON THE CARD IS ONLY FOR THE INITIAL PURCHASE AND THAT SEEMS LIKE DOING BUSINESS IN BAD FAITH UNETHICAL AND FALSE ADVERTISING ONLY TO HAVE A CONSUMER SIGN UP FOR A CREDIT CARD. FOR GENERAL REFRENCE I HAVE 3 XXXX CARDS 1 PERSONAL 2 BUISNESS ALL CAME WITH THE 0 % APR AND INTERESTS. A CITI COSTCO CARD ALSO CAME WITH 0 % APR A VISA CARD CAME WITH 0 % APR INTERESTS. SO I KNOW HOW THE ACCOUNT IS SUPPOSED TO WORK I WAS BULLIED AND SCAMMED, LIED INTO A FALSE CONTRACT FOR GAIN.
Product: Credit reporting

I just spoke to XXXX employee id XXXX @ Trans Union credit reporting company. I want a one time copy of my credit report and score. The web site and XXXX told me I can only have it if I also by a credit monitoring service billed monthly@XXXX.
Product: Student loan

I attended XXXX XXXX XXXX XXXX in XXXX PA. I paid them with check number XXXX they cashed it XX/XX/XXXX. I got a loan that totaled {$3500.00}. Then out of no where here comes Navient the loan was pretty much paid off from XXXX XXXX. Navient is stating I owe over 13,000. I have no idea where that number is coming from unless the school forged my signature. I never even got my diploma from the school that ended up closing even though I graduated. So I disputed with Navient after seeing these prices even with interest it is n't possible. They want me to send signatures in so they can " verify '' if it got forged then why would I send them more signatures I 'm not making same mistake twice. I want to see where they take over and now XXXX which should have only been {$3500.00} is now over 10,000 more. As well I have it paid by XXXX, they are even showing that, the loan should be paid off cause completely by now. I truly feel like a victim where these people just keep trying to take advantage of people. I have documents and signatures and everything and they ca n't verify it and want me to send signatures. I want the loan to be gone I do n't believe I should be XXXX withered as these are fraudulent on someone book keeping or something it should n't be my responsibility to pay taxes on these fraudulent charges. I 'm done of them just magically pulling numbers out of no where. I paid XXXX XXXX I paid XXXX and Navient takes over and it 's like I paid nothing at all and surprise in XX/XX/XXXX surprise we added a number we have no idea where it came from. I 'm done, when I first disputed my student loans they said it will be updated in 5 days after a month I get an email saying well no it will take 60 days. Navient is doing something majorly illegal!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX 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: Debt collection

On XX/XX/20 I received a letter from TRS Recovery Services regarding a check number XXXX for the amount of {$190.00}. This check was written to XXXX. 

I called TRS and told them that I had not written any checks to XXXX and asked them to send me a copy of the check and a copy of the ID used to write the check. They refused but did provide me with the Account Number and Routing Number over the phone. The routing number ( XXXX ) is for XXXX in XXXX  XXXX. I called the bank and was told that account ( XXXX ) was closed for fraudulent activity. They would not tell me any more. 

I have contacted TRS repeatedly and relayed all the information above, several times. They continue to send letters demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

THROUGH THE MONTHS OF XX/XX/XXXX-XX/XX/XXXX.IVE VIEWED MY CREDIT REPORT AND DISCOVERED MULTIPLE ADVERSE ACCOUNTS ( COLLECTIONS ) THAT DID NOT BELONG TO ME.ALL ADVERSE ACCOUNTS HAVE MISSING INFORMATION, DIFFRENT REPORTED DATES, AND INCOMPLETE.IVE DISPUTED THE ADVERSE ACCOUNTS MULTIPLE TIMES WITH ALL THREE CREDIT BUREAU 'S WITH NO SUCCESS. ( XXXX, EQUIFAX, XXXX ) .IVE ALSO REQUESTED PHYSICAL PROOF OF SUCH ACCOUNTS WITH NO SUCCESS.ACCORDING TO THE FCRA, THEY MUST PROVIDE ME PHYSICAL PROOF OF ACCOUNTS BEING DISPUTED, AS WELL AS THE ORIGINAL-SIGNED CONSUMER CONTRACT IN WITCH THE BUREAUS HAVE FAILED TO DO.IVE ALSO HAD ONE ACCOUNT REMOVED THEN RE-INSERTED WITH NO NOTICE.ALSO THEY HAVE 5 DAYS TO NOTIFY ME OF A RE-INSERTION AND DID NOT, BECAUSE OF THIS IT HAS BEEN VERY HARD OBTAIN CREDIT.SINCE THEN IVE RECIEVED MULTIPLE HARRASSING CALLS FROM DIFFRENT CREDITORS THREATNING PUNISHMENT. 

OPEN DATE-XX/XX/XXXX-AMOUNT {$350.00} OPEN DATE-XX/XX/XXXX-AMOUNT {$610.00} OPEN DATE-XX/XX/XXXX-AMOUNT $ XXXX- ( RE-INSERTED )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report that I have not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I believe no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; U S DEPT OF EDXXXX XXXX Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed public records that are displayed on Credit report from the XXXX reporting agencies. They have not furnished proof and claimed that the information was accurate, and it was received from XXXX XXXX. I sent in documents from XXXX XXXX showing that the bankruptcy has been removed from their reporting and it is inaccurate therefore it shouldn't be reporting on my report. this blemish on my report is preventing me from credit from lenders and is defaming my character. I can't seem to get any response in reference from the CRA. 

Also having the same issue with a XXXX XXXX that is inaccurate. I have also asked the CRA to Furnish information on the validity of this creditor on my report.
Product: Checking or savings account

I have been trying to close my last remaining account with Bank of American ending in # XXXX. Its been nothing but a XXXX nightmare. I recently was charged over {$150.00} in additional fees from my leasing company because of a bank error, and while I have been working to get this resolved, I found out today that it looks like the bank refunded part of my money but then there is this XXXX charge for {$100.00} from XXXX that now puts this account back into the negative. WHAT THE XXXX DO I HAVE TO DO to get this account closed!!!!! 

I want this XXXX transaction reversed, I never authorized it and when I call the number I can not get a person to answer or I have to use this XXXX XXXX automation system that never half works because it makes you verify through the app and the app keeps crashing ... something is going on here that I know nothing about and I cant get anyone to help me, this is total XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Payday loan, title loan, or personal loan

My payments are not being applied to principal according to online reporting. I spoke to representative regarding the issue over a week ago that told me an accountant would review it and reach back out to me. I have not heard back from anyone.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I received a notification that my account phone number had been changed at XXXX on XX/XX/. I checked my account and money had been used to make 3 purchases. Two on XXXX and one on XXXX. The XXXX charge was over XXXX and I had no history of shopping with that vendor. I have reopened my dispute 4 times now and they continue to deny.
Product: Credit reporting or other personal consumer reports

My information was exposed in XXXX XXXX. I would like to file FTC report. 
I now have unauthorized callers and unauthorized inquiries on my credit report please help
Product: Credit card

I signed up for this credit card at my dentists office, and was not given any information other than there is no interest for 18 months. I was not given the chance to review what I was signing as they just asked me to sign an electronic pad, so I never saw the actual documents. 

I was under the impression that this was 18 months of no interest, and once those 18 months was over I would begin accruing interest. As it turns out that is not the case. I was shocked to find that because I didn't completely pay off the entire amount I owed back interest on the entire amount that I put on the credit card. As of now I am accumulating interest on the interest owed. 

I called and called the company and originally they said nothing could be done because they didn't have a " negotiation department ''. So I stopped paying the credit card. Once I stopped paying all of a sudden the company said oh yes there is a dispute department that you can send a letter to. Below I have copied the letter that I sent them on XX/XX/XXXX. They replied back to me and said there would be no change to my bill. So now I am writing this complaint in hopes that something can be done. 

This credit card is extremely predatory and after reading multiple reviews on the company it is clear that this has upset many people because they were also misled. I also work in finance and am very familiar with credit card terms and I have never heard of a credit card like this. 

XXXX XXXX XXXX  # reviews I hope we are able to make a change so other people are not hurt by this company 's predatory practices anymore. 

Thank you, " XX/XX/2024 To Whom This May Concern : I am writing to dispute the interest and late fee charges with my XXXX XXXX credit card ending in XXXX. 

I signed up for this credit card at my dentists office and was only told there would be 18 months with no interest. Like every other introductory APR credit card. I received the statement in XXXX and saw that I would begin being charged interest on the {$250.00} balance due and that was fine with me. I didnt mind paying 30 % on the last {$250.00} that was owed. When I received my XXXX statement, I was shocked to find that I had {$620.00} of interest added on. I called the customer service department before my next payment was due and I was specifically told there was nothing that could be done because there was no negotiation department. Then when your company called me after not making a payment miraculously there was a dispute department and Im able to write this letter. 

This is a predatory credit card, and I was misinformed and misled with complicated wording so that I would end up owing so much in interest. At the end of the day the company pushing these deceptive practices should be held accountable. The resolution I am looking for is to pay off my remaining balance of {$250.00} with no interest or late fees owed. If we are not able to resolve this, I will be filing a complaint with the Consumer Financial Protection Bureau to see if they are able to help resolve this as well. Please contact me via mail, email, or phone with the below information. 

Thank you, ''
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

on XX/XX/2023, my cellphone can not call out. I contacted them to ask for reason, and was told that my auto-payment didn't get through. So I loggin my bank account to check what is going on and suddenly see my Chase freedom credit card account is closed. 

Then I called chase credit card customer service number to find out reason, they have transfered me 4 to 5 times, put me on hold from XXXX to XXXX, then finally someone just tell me it's Chase decision to close my account with a very bad attitude, even I told her I have not only my personal checking account, but also our business account with Chase. 

I am the Chase customer over 15 years and have that credit card for over 10 year, always pay on time by autopay from my Chase debit account, it's so ridiculous and unrespectful to just close a loyal customer 's account without any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX/XXXX XXXX Account number XXXX XXXX XXXX XXXX is a fraud account which was resloved years ago. 
XXXX XXXX had fraud tied to it XXXX XXXX XXXX didnt hold the the CARES act 2 with the provision on supsending late payments due to the COVID 19
Product: Credit card or prepaid card

My bank send me a letter graduating my secured card graduation but no credir line increase i find this not fair after being a good customer and the branch in XXXX  XXXX  closed when I called they said they are closing and dont know what will happen this is scary customer service told me they might not reopen if their isnt money
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS
Product: Credit card

Charged a XXXX dollar late fee on a total late outstanding balance of XXXX dollars.