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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Student loan

I have been going through the process of getting on a rate reduction plan with Navient since XX/XX/XXXX. When I called then, knowing my plan was up in XXXX, they told me their computers would not allow them to process anything that far in advance and told me I had no options at that time aside for to wait it out. When I called back in XXXX, I submitted a financial statement and was told that, based on that, I would be able to keep my payments around {$1000.00} a month. I was told to call back at the end of XXXX/beginning of  XXXX to officially process the plan. 

I called back in XXXX and began the process. I was told, that there was no way for me to keep my current rate and it would, without a doubt go up. Well, they processed my request and suggested a {$1100.00} payment, but said it would be a couple of weeks until it was officially approved or denied. They also informed me that these new plans didnt last a year anymore, but only 6 months so I would need to go through this again. 
During this time they acquired a loan of mine from XXXX. When it was acquired I was in the process of a rate reduction plan with XXXX so I called navient to ask about a plan and was told at no time, under any circumstances could my rate be changed. I asked for my promissary note to be sent and they said they would. Two weeks later I got a letter in the mail stating they didnt have this document available yet for me and would try to provide it soon. 

Well, shortly after, my initial claim came back denied because they said I needed to have my cosigner provide a financial statement ( even though I was told in XXXX that wasnt necessary since he is retired and has been for at least 15 years so his statement hasnt changed from the previous year when I applied ). I had him call and provide the information. During that time, the amount they approved me for was charged to my account and I paid two cycles for the XXXX   loan. All the while, my account showed delinquent. I called expressing concern and was told not to worry, it just hasnt been updated yet, everything should go through just fine, it just takes time. 
I was contacted today, after nearly 5 months of communication and told again, it was denied. They said they could approve me at around {$1200.00} a month, but only if I double the terms of my XXXX loan to 300 months ( which would only bring my payments down about {$30.00} a month ). That would make my total monthly payments set at around {$1500.00} a month, but, with extending those XXXX terms, I would end up paying a ridiculous amount more. I asked if I could keep the XXXX loan as is, paying more each month, and was told the rest of the plan wouldnt be approved. I asked how it was so dramatically different each time I spoke to someone and unfortunatly the phone call was dropped before I could speak to a supervisor. I called back, asked to speak to the same person and was told they went on break.
Product: Credit reporting

I have disputed an entry several times in my report. Now the entry shows as " account in good standing '' but the details are still wrong. The account still shows many months of " charge off '' in the payment history, the balance says N/A when the balance is XXXX, and the account history shows the remarks " Charge Off as of XXXX XXXX to XXXX XXXX, XXXX XXXX to XXXX XXXX XXXX XXXX Bankruptcy Dismissed on XXXX XXXX, XXXX. '' None of this is correct. This debt was paid off, there was no dismissed bankruptcy on XXXX XXXX, XXXX and this debt is not a charge off. I can not get a straight answer from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate across the bureaus and needs to be removed. If it was verified then how are the 3 bureaus reporting different last payment dates, high balance and opened date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many inquiries appear without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.

Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order. 

I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : 1. XXXX XXXX XXXX XXXX XXXX - This account was paid in full 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX - This account was paid in full 4. XXXX XXXX - # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX submitted a Loan ( without my permission ) to Lending Point. 
XXXX XXXX received {$19000.00} from Lending Point ( a loan that I did not authorize ). 
From XX/XX/XXXX to current, Ive asked XXXX XXXX to refund this lender, and bill me for any balance after my insurance had paid for 3 extraction. 
Ive been told by XXXX XXXX numerous times ( different reps for over 8 months ) that they were refunding Lending Point the entire balance and would correct my account and bill me after insurance paid. My last conversation with XXXX XXXX prior to today was in XX/XX/XXXX in person, and I was informed then that they had computer issues, fired the person responsible, and would correct my account. 

On today ( XX/XX/XXXX ), I spoke with XXXX XXXX of XXXX XXXX, inquiring why they had not refunded Lending Point. 
XXXX informed me that they refunded {$18000.00} to Lending Point, and that {$350.00} was not refunded ( {$350.00} is what I owed after insurance paid ). 
XXXX asked that I pay Lending Point {$350.00} to resolve the matter. 
I refused to pay Lending Point, and I insisted that they refund the remaining balance of {$350.00} to Lending Point since I did not authorize the loan. 
I requested ( of XXXX ) that I pay XXXX XXXX {$350.00} XXXX forwarded a link to me, and I submitted the payment of {$350.00} ( attached receipt of Payment to XXXX XXXX ). 
I requested that XXXX give me something in writing that they would refund Lending Point, and he sent me a ledger. 
According to the ledger that I received today ( XX/XX/XXXX ) from XXXX XXXX ( XXXX ) ; XXXX XXXX refunded {$18000.00}, and kept {$350.00} on XX/XX/XXXX ( see attached ledger from XXXX XXXX ). 

I spoke XXXX at Lending Point regarding having this removed from my credit report, and XXXX instructed me to file a Fraud Report with our Police Department, and send in the report, along with my drivers license to XXXX. 
I asked why the amount on my credit report is {$1400.00}, if they refunded all except for {$350.00}? The response was that it was interest. 
I informed XXXX that I paid XXXX XXXX {$350.00} today, and that I wanted this removed since I DID NOT authorize this loan, nor should it be on my credit report. 

I asked that Lending Point send me a copy of the refund ( s ) that they received from XXXX XXXX. The ledger from Lending Point confirms that only {$18000.00} was refunded, and that XXXX XXXX withheld {$350.00} ( attached ledger from Lending Point ). 
On XX/XX/XXXX, I filed a police report, and file a complaint with the XXXX 
This Loan should be REMOVED from my credit report, and applied to XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX OH XXXX they are the originators, and recipients of this loan. 

This loan has created a negative impact on my credit-resulting in a poor credit score.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX {$0.00} XXXX XXXX  XXXX BALANCED {$3000.00} XXXX XXXX XXXX BALANCED {$8300.00} XXXX ( XXXX XXXX : XXXX XXXX XXXX  ) XXXX BALANCED {$3500.00} XXXX  XXXX BALANCED {$1000.00} XXXX XXXX BALANCED {$1500.00} XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX BANK XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe TransUnion XXXX and XXXX has violated several of my consumer rights. Specifically, they failed to validate my debt at my request which is an FDCPA violation and they continued to report a disputed debt to the credit bureaus which is a FCRA violation. Not only have they ignored my prior request for validation of debt, proof attached : receipt copies or letter copies but they continue to report this debt to the credit bureaus causing damage to my character. I request that the credit bureaus follow the FDCPA and please provide the following validation of debt request. XXXX. Proof of right to own/ collect this alleged debt XXXX. Balance claimed including all fees interest and penalties XXXX. Contract bearing my personal signature I would like to exercise " Estoppel by Silence '' which legally means that the bureaus have a duty to speak but failed to do so, so therefore it must mean that the debt is false. I will use Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should the bureaus ignore my request for validation of debt I reserve the right to sue the bureaus for violation of my consumer rights specified under both the FDCPA and the FCRA. 

Account info Account name XXXX XXXX Account number XXXX I also sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and they said they do not. How did the credit bureaus verify my bankruptcy if it was dismissed? A fair investigation was never done according to 15 USC 1681.

Record details Record type XXXX XXXX bankruptcy dismissed
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX and XXXX for their failure to accurately report credit information, which has resulted in significant harm to my financial standing. Despite multiple disputes and provided evidence, they continue to knowingly report incorrect information, violating the Fair Credit Reporting Act ( FCRA ) and causing me severe financial and emotional distress. Due to these repeated violations and the harm caused, I demand that XXXX be permanently blocked from reporting to my credit files. I am requesting that this complaint be escalated to all parties, Corporate offices, and Officers. 

Complaint Details : Double Reporting and Manipulation of Account Numbers by XXXX XXXX is double-reporting the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX account numbers, repeatedly altering the account details to ensure continued damage to my credit file. 

In a recorded call, a Supervisor named XXXX from XXXX XXXX XXXX Department initially stated that XXXX was reporting the accounts accurately. However, she later contradicted herself by validating that XXXX was indeed double-reporting the same accounts with different account numbers. This direct contradiction demonstrates XXXX deliberate attempt to manipulate reporting practices while falsely claiming compliance. 

XXXX Complicity in Reporting Inaccurate Information Despite acknowledging the inaccuracies, XXXX continues to report the erroneous data due to its business relationship with XXXX. 

In a recorded call with Sham from XXXX Dispute Department, he admitted that the information was inaccurate but claimed there was nothing he could do because XXXX kept verifying the disputed information. 

Sham referred me to the XXXX XXXX XXXX, where I spoke with a representative named XXXX. XXXX stated that XXXX could not remove the inaccurate reporting because XXXX is XXXX 's business partner, and their agreement allows XXXX to dictate the reporting. I am including XXXX and Experian in this complaint so that they understand that a generic response from a dispute process from the data providers is not always accurate. 

Violations of the Fair Credit Reporting Act ( FCRA ) by XXXX and XXXX Violation of 15 U.S.C. 1681s-2 ( a ) : XXXX is knowingly furnishing inaccurate information to credit reporting agencies. 

Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX has failed to conduct a proper reinvestigation despite clear evidence of inaccuracies. 

Violation of 15 U.S.C. 1681e ( b ) : XXXX has failed to maintain the maximum possible accuracy in my credit report. 

Violation of 15 U.S.C. 1681i : XXXX has not properly investigated my disputes, as required by law.
Product: Credit card or prepaid card

On XX/XX/2019 I made a booking on XXXX for XXXX XXXX XXXX KY stay. Unfortunately during the check out the price was not discounted by {$20.00} as per offer sent to me ( attached ) despite all criteria being met. I called the Wells Fargo customer service with intention of disputing the purchase and the bank failed to dispute it. On first contact, the representative indicated that she will be the one arranging and handling the dispute and when I gave her all the info pertaining to the transaction I was told that I am going to be transferred despite what was indicated to me a few minutes earlier. When I have heard this info I requested to be transferred to the supervisor and confront the bank why the info given to me at the beginning of the call was misleading. As result of the conversation that transpired next I was told that the real motive for giving me a incorrect and misleading info was the WF to weed out unauthorized and compromised card use and not to initiate the dispute process as I am entitled to under the credit card user agreement. 
When I was finally told that I will be transferred to the dispute dept to initiate the dispute process I was put on a very long hold and then subsequently the call was disconnected. 
I got a follow up call shortly after from the CSR of which the purpose was made unclear to me. 
Personally I think it is reprehensible that the WF is preventing consumers to dispute purchase by providing not only misleading info to the consumers but using the calls for the purpose other than declared. This clearly shows the WF culture as not only contrary to what is stated as its operating procedures but perhaps even violating state and federal laws. The company should make it CLEAR what is the dispute process methodology right from the beginning instead of making the process cumbersome and misleading which I believe is done on purpose to dissuade consumers from dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Client Services Incorporated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX call my phone 2-3 times a day from different phone numbers. Never leave a message or any details to why they are calling. Ive attempted to block their number but they use different numbers continuously to avoid being blocked. This began XX/XX/XXXXXXXX  and its been non stop every day of the week since.
Product: Debt collection

Debt was settled with  XXXX   XXXX   XXXX  back in  XXXX    XXXX  . My uncle got a phone call from a   XXXX   XXXX   calling from  XXXX  stating she was calling from us national collecting a debt on the account that was settled. She had my dob, and social and states that she will try to not press charges. I told her case was settled and she asked me to submit email to  National Arbitration  reconciliation .org i tried that and the email did not go through. I followed  the trail  from where i got the loan and who it was sold to and confirmed with documentation that it was paid and closed out.
Product: Money transfer, virtual currency, or money service

My COINBASE account was on " temporarily disabled " on XX/XX/2017 with the message " Sorry, account temporarily disabled. " Please contact support. I emailed immediately to have the issue resolved and had a follow up email the same day letting me know it was in process. For the next 3 months i had emailed them back and forth trying to get access to my money and account always receiving the same generated email providing steps for account recovery that didn't work. I called many times only to wait on hold for multiple hours and on the few occasions that the phone was answered they were quick to hang up on me. I am still locked out, my account has devalued tremendously and I can't get the little that remains. I know many have had the same issue. Please help!
Product: Mortgage

On XX/XX/20, I filed a complaint with CFPB against PNC Mortgage compliant ID XXXX. 

On XX/XX/20, I received a phone call from PNC, stating that I was on a RECORDED LINE and the lady wanted to speak to me regarding my complaint with CFPB. I ask why are you calling my home and anything that you want to speak to me about should be put in writing and submitted to CFPB. I also stated that when I tried to resolve this issue no one wanted to speak to me and was passed around to different people like a basketball!! 

I REQUESTED THAT PNC, NOT CALL MY HOME AGAIN AND TO SUBMIT THEIR RESPONSE THROUGH CFPB. 

PNC TRIED TO RECORD ME!! 
I want it on paper in case I need an Attorney to get this issue resolved
Product: Credit reporting or other personal consumer reports

Hi, I have a negative credit report on my record in which it states joint with XXXX XXXX 
Its about the stay at the address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX When i left i paid all my dues and cancel the lease, As it was joint lease XXXX XXXX was staying there with her BF. Assume that she didnt pay and her due payments went on joint report. 
I have called the company and requested them if they sent me any letter about it or any email. They person didnt answer as he was un aware. I also inquired if my lease was cancelled or not when i paid all he had no clue. 
Please, help me to get this negative report removed from my score. 
XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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.C.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I closed an account with XXXX like XXXX years ago. After reviewing my Experian report, i noticed there is a collection on my report amount of XXXX. I called the collection agency ( XXXX XXXX ) and paid the amount. 

I contacted Experian and i disputed, even though on my report it says paid ; but experian wont remove it until XX/XX/2024. 

Company Involved in my case : 1. XXXX, 2. XXXX  XXXX  3. Experian.