23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In regards of my repeated attempts to rectify these issues directly with the credit reporting agencies and the respective financial institutions, these inaccuracies remain unresolved. I have contacted the credit reporting agencies and the financial institutions involved to dispute these fraudulent items. I have provided all necessary documentation, including police reports, identity theft affidavits, and proof of my identity. Despite these efforts, the fraudulent items remain on my credit report, causing significant damage to my credit score and financial standing. I want the immediate removal of all fraudulent items from my credit report. The presence of these fraudulent items on my credit report is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting for your intervention to ensure that these inaccuracies are corrected promptly and that my credit report accurately reflects my credit history. Please help me remove the following negative items : XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$7700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$8800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Checking or savings account

My personal checking account has been restricted, because of a ppp loan from XX/XX/2021 I am an independent contractor and was question by the Chase Fraud Investigator why this ppp loan went into my personal account and not my business account. On XX/XX/2021 spoke with Chase Fraud Investigator she told me to bring in my paperwork supporting my ppp funds. On XX/XX/2021 I took the requested documents to Chase to be email to the Fraud investigator. XX/XX/2021 I called her and she said she received my paperwork but then said she has up to 60 days to do her investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2021.
Product: Debt collection

Greetings, upon checking my account I found Bank of America reporting to my profile, I do not own that account I am a victim of identity theft and my identity was stolen I reached out to the company and let them know that I was a victim of identity theft and my information was also leaked in the XXXX XXXX breach. I might add that the information that is reporting on the account also don't belong to me and social security on the account do not match mine I have been trying to recover from this whole ordeal and need this account removed my profile immediately.
Product: Credit reporting or other personal consumer reports

I lost my wallet while attending a football game in XXXX that included my driver 's license and social security card. I was unable to recover it. I recently pulled a copy of my credit report and noticed addresses and accounts that I have no affiliation with. I contacted the credit reporting agencies and notified them that someone has accessed my information and applied for lines of credit in my name and a fraud alert was placed on my account. I not only contacted each bureau by phone but requested verification and that all fraudulent addresses be removed from my account by mail in XXXX XXXX XXXX XXXX XXXX. I requested the accounts be verified and have yet to receive a formal response. Furnishing accounts to my credit profile in result from identity fraud violates FCRA 15 USC 1681c-2 and my consumer rights. 

I also noticed credit inquiries listed on my reports that I did not authorize or apply for from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishing these inquiries I have no knowledge of or have given written consent for is in violation of 15 USC 1681B. 

I also requested that all fraudulent addresses that I have never resided be deleted and my current any only address be updated on my profile. I see that credit reporting agencies have also not updated this information per my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

l C systems inc. bought an old incorrectly reported debt that I had removed from my credit report, ..the previous collection agency " XXXX XXXX '' inaccurately parked it on my report and I vigorously disputed this false charge and it was finally removed from my report. But now I C systems Inc changed the amount by {$1.00} and is trying to claim it as a new debt on my report! RE-AGING..
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I was involved in an imposter scam where money was sent through Zelle. A scammer spoofed the phone number from our local police department and claimed my lost cat was involved in a vehicle accident and taken to the local shelter. The scammer then connected me to another scammer that spoofed the phone number of the local shelter claiming the XXXX  needed immediate XXXX XXXX XXXXXXXX and it required the payment of {$1500.00} through zelle. I paid the money through zelle. I traveled to the shelter the next day to check up on the cat and the XXXX. The shelter had no records of the cat or a XXXX. I called the police department and they also had no records of a XXXX XXXX XXXXnvolving my cat. The entire situation was made up by the scammer to get my money. Both my bank ( XXXX XXXX XXXX XXXX ) and Zelle have not made any reasonable attempt to reverse this transfer or give reimbursement. I believe both the bank and Zelle are responsible for not implementing appropriate measures to recall money, freeze accounts, delay withdrawals of transferred funds, and prevent scammers from utilizing Zelle. I also believe the intent of zelle is not to make transfers convenient for consumers. It is a tool for banks to avoid the liability of reimbursing imposter scams and fraud. The zelle XXXX says you should only send money to people you trust. How can the community be expected to question calls from our own local police departments ( from the actual spoofed phone numbers of the police departments )? The police are supposed to be trusted entities. Both XXXX XXXX and Zelle are failing to protect victims of imposter scams and only have created a haven for scam crimes through this money transfer application.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  # XXXX Original creditor : XXXX XXXX Date opened : XX/XX/XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

My XXXX XXXX XX/XX/XXXX. ACCOUNT # XXXX. 
GM Financial Granted us a 6 month extension on the XXXX. 
With that Extension, XXXX miles is added for every month. 
The 6 month extension expired XX/XX/XXXX. 
I was granted a month to month extension, with the same rules, an additional XXXX miles a month. 
Allegedly, they sent ( 6 ) correspondence letters to myself and my wife, with the last one mailed out XX/XX/XXXX. 
I continued making monthly payments. 
They continued cashing checks. 
I attempted to XXXX XXXX and XXXX / XXXX a XXXX XXXX. 
Their New Minimum XXXX XXXX of XXXX, didn't allow me to that option. 
My Score was knocked down by their late payment games and a prior game they played with me XXXX years ago. 
XX/XX/XXXX, they took my vehicle UNANNOUNCED. 
THEY WANT ME TO PAY {$2500.00}. 
I AM LIVING IN A FEDERALLY SUBSIDIZED SENIOR COMMITTE WITH S S OUR ONLY INCOME. WE CAN'T AFFORD THAT AND WE'D LIKE TO HAVE THEM PREVENT THIS ON EITHER OF OUR XXXX XXXX. 
CHANCES ARE ...
Product: Credit reporting or other personal consumer reports

The U.S Department of Education is in violation of the Cares Act under the Covid-19 forbearance program, they reported late payments for student loan payments to my credit report during this period but student loans are still under deferment and should not be reporting as late to my credit report. These late payments are inaccurate and should be immediately updated to on time payments in accordance with the Cares Act.
Product: Credit reporting or other personal consumer reports

The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + Miscellaneous Reptg. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous
Product: Credit card

I was double charged by a vendor. American Express has only investigated superficially and will not thoroughly investigate what is clearly a double charge. We have provided proof clearly indicating the charge was unwarranted as well as proof that the vendor has repeatedly lied to American Express but they wo n't take my claims seriously at all. The vendor has created a false narrative along with false papers to assert that the charge was owed. I understand that Amex can not be expected to see through the lies, however, my claim is simple. I am asking to see signed authorization for XXXX charges. American Express has only XXXX signed authorization and can not provide any further proof towards the second charge and yet they wo n't refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, XXXX numerous times in regards to my personal credit report concerning inaccurate reporting. Unauthorized inquires, I have a fraud alert on my credit report though XXXX still allow my credit to be checked, also wrong addresses, phone numbers, and place of employment.
Product: Money transfer, virtual currency, or money service

Hi I was scammed and told that I had a job opportunity and if I completed task I would be able to withdraw all the money in crypto once the task were completed. So they told me I could with draw the money once I completed the tasks the first few times I did withdraw about {$100.00}. So I continued working then I ran into these combination tasks. I was told that I would have to deposit more crypto to finishs the tasks because they brought my account negative. So I did it a few more times till i realized as soon as I deposited money I was running into these tasks. And finally realized Im being scammed. I thought I wasnt because I was put in group chats where others made it seem like they were making money. This all went on from about XXXX XXXX. I reached out to cash app and they told me first they couldnt help because it was crypto transactions so the ones I did on XXXX  I reached out and they said they couldnt do anything because all the transactions went through properly. The dates and amounts for the transactions are XX/XX/XXXX for {$40.00} in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$43.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$100.00} in XXXX sent {$74.00} XXXX XXXX XXXX XXXX  {$530.00XXXX XXXX XXXX XXXX  XXXX {$100.00} XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$540.00} XXXX XXXX XXXX and {$1000.00} sent in crypto. I sent in screenshots of the conversations where I was told this is a job and cash app still denied giving me my money back. This has caused a great emotional distress because I was thinking I was showing to make alot of money for the holidays I think all my money should be refunded plus a payment for emotional damages this is causing me I ended up in the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I was notified by XXXX XXXX that my name had been changed on my credit report and that I had 4 hard inquiries recently added. I found that this had all happened on my Equifax report. I submitted an online dispute for the inquiries and a few days later received an email stating that the dispute was concluded and I needed to log on to get the results. I tried doing that and received an error message saying I needed to call in. For the last WEEK, I have been trying, to no avail, to get this taken care of with Equifax. I am being told over and over to " call back in 30 minutes because the system is updating. '' FOR. A. WEEK. What kind of incompetent company has their fraud department going through a system update for days at a time???? I am very clearly going through identity theft and I can't even get it handled so that my credit isn't further affected. I need a resolution! PLEASE HELP.
Product: Checking or savings account

Chase bank closed all my accounts without giving me a reason why. 
my family and i have the following accounts at chase : - 2 business accounts that operate legitimate, profitable businesses - a personal checking account - a savings accounts - a roth IRA account - 2 investment accounts - three 529 Plan accounts for my children. 

they claim they are " discontinuing '' our relationship with them, but have not given us a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Accounts, Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Has violated my rights. 

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: Debt collection

I am a victim of identity theft. The information listed below which appears on my credit report does not relate to any transaction ( s ) Ive made. They are all a result of identity theft.
Product: Student loan

On XXXX XXXX XXXX XXXX, I submitted my verification from the Veterans Benefits Administration stating that I was 100 % XXXX. 

I contacted Nelnet XXXX XX/XX/2022 and was sent via e-mail a Discharge Application : Total and Permanent XXXX form to complete and return with my verification. 

I returned both items on XXXX XX/XX/2022. I received a letter XXXX XX/XX/2022 stating The U. S. Department of Education had received my application and the review process could take up to 30 days. 

I also received another letter from Nelnet dated XXXX XX/XX/2022 thanking for my intent to apply for Total and Permanent XXXX although I'd submitted the application via e-mail on XXXX XX/XX/2022. The letter also stated the Loan Holders had been contacted and any collection activity was to be suspended for 120 days as of XXXX XX/XX/2022. My loans were in the Deferment at the time of application. 

I submitted another application via fax. I faxed the application to XXXX. 

On XXXX XX/XX/2022, I received a letter from Nelnet stating effective XXXX XX/XX/2022, the Department of Education approved my application for discharge of my federal Student Loan. My loan holders were instructed to discharge my loans. I did have to resubmit the VBA memo to verify the correct date the of the XXXX. 

The Department of Education loans were paid on XXXX XX/XX/2022 ; however, I had to contest the information listed on my credit report as it had not been updated. But the response received from XXXX and XXXX was the Nelnet loans were current. 

To date the loans under Nelnet Loan Services , Inc. ( XXXX ) has not been XXXX. I can't see any information when I log onto my account except for the payment for the Department of Education loan. I called Nelnet customer service XXXX XX/XX/2022, and the representative told me I was 26 days late on my payment which I was in deferment prior to submitting the application. I was transferred to a representative who me that the loan information had to be requested from Nelnet. I inquired as to why? They are Nelnet. 

I submitted XXXX XXXX XXXX XXXX XXXX XXXX complaint XXXX XX/XX/2022. Nelnet 's response was they have 150 days to address the application. I provided the XXXX with all correspondence from Nelnet.
Product: Vehicle loan or lease

Westlake bank put my payments on pause and after dispute. The company went forwards and put me back on active payments to avoid taxes for the Internal Revenue Service!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received i letter from XXXX XXXX stated I was granted a settlement of {$4200.00} for a vehicle I had repossessed. The agreement was to have that amount paid by XXXX XXXX. I paid it off XX/XX/2022. The company will not updated my information to the credit bureau even after dispute. I have proof of letters and receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordense with the fair credit reportact, the list of accounts below has violated my federlly protection consumer rights to privacy.an comfidentiallity under 15 u.s.c 1681 XXXX XXXX accout number XXXX XXXX ac/number XXXX XXXX/ dept of edu a/c number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ac/number XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XX/XX/2016 {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts has violated my rights 15 u.s.c 1681 sec 602a states i have the right to privacy 15 u.s.c 1681 section 604a states that a consumer reporting agency can not use account without my written instructions 15 u.s.c 1681 c ( a ) ( 5 ) no consumer reporting agencies may make any consumer report containing any of the following items of information. any other adverse item of information, other then records of conviction of crim which antedates the report by more the sevsen years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumerto any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX partners listed a collections item on my credit report. I disputed as I had not received notification from them. They corrected information twice on Experian that was false. XXXX and XXXX removed the item. Experian did not after XXXX dispute attempts. I have a letter on XX/XX/2021 from XXXX XXXX admitting their error. I submitted a dispute with documentation again to Experian. They are hurting my ability to move and I am suffering from their inability to correct this error. Please help me.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. My federal trade commission identity theft report was certified mailed to Equifax, XXXX, and XXXX. My dispute did not resolve the issue for the following accounts : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXXXXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Debt collection

I pulled credit report and notice fraud account from when my identify was stolen! I notice student loan accounts I was incarcerated at the time, so there is no way I could have attended college. These accounts need to be removed from my credit report and copy sent to my current address.