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

Ive reached out countless times about this and STILL you have incorrect names, addresses, etc. after Ive provided you with my drivers license, SSN card and a letter for the police department advising I had been a victim of identity theft! Ive provided you with that information so that you could update your records/accounts accordingly and STILL you have failed to do that instead in my previous complaint, you left a generic response about talking directly to me when you have made it impossible for me to even contact you about my own account!!!!!! 

When you receive a complaint from the CFPB you are speaking directly to me! I cant speak to you, but youve managed to place a fraud block and freeze on my account that I HAVE NOT requested. Ive previously asked that you lift any blocks and freezes from my account and not add anything I have NOT asked you for ... instead you do exactly what I said NOT to do! 

Because Ive documented this issue many times over and have given you ample opportunity to correct this and you have failed to do so, please respond with the information for your resident agent in my state, as I will be moving forward with a lawsuit against you for your incorrect credit reporting and inability to make corrections in a timely manner. I will be seeking damages for your incorrect credit reporting and your refusal to correct this and the negative impact it has had on me and my credit as a result. 

Again, please respond to this complaint with information for your resident agent in the state of Virginia so that they can be properly served for any forthcoming court proceedings.
Product: Debt collection

I have been getting a call starting XX/XX/2020 daily. The debt collector XXXX XXXX could not tell me the company she was calling or the reason for the call but stated each call I will have a case filed against me with XXXX County and they will be calling my job to speak with my supervisor. I also saved a voicemail when she called my XXXX year old daughter trying to locate me for a case filed against me and said that my daughter name and address is the most likely location for me. This totally terrified my child had her thinking I was going to jail.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX IDENTITY THEFT XXXX XXXX XXXX XXXX Account Number : XXXX The following personal information is incorrect Account Number : NAME XXXX XXXX XXXX XXXX he following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA
Product: Credit reporting, credit repair services, or other personal consumer reports

Try fixing this problem. But XXXX  insisted. I have no contract to these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : EQUIFAX RESPONSE OF CLAIM XXXX EQUIFAX RESPONSE : The identification information you provided does not match our records. In order to properly assist you, we will need additional information in order to verify your identification and current address. Please provide a legible photocopy of a valid document that shows your name, current address and complete social security number. Listed below are examples of documents that may be provided as verification of your identification and current address : Pay stub or W2 with complete U.S. social security number, valid social security card, Driver 's license, rental/lease agreement/house deed, mortgage or bank statement, utility bill for gas, cable or residential telephone bill. Please return this letter along with the requested information to Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 

ORIGINAL COMPLAINT XXXX : XXXX  and Transunion refuse to remove these fraudulent, inaccurate, and unauthorized inquires from my credit report. I have never submitted an application for credit and these two bureaus refuse to remove the inquiries these inquiries are ruining my credit health. I have submitted several 609 letters requesting this inaccurate information be removed. In addition to the correction of my personal information being reported inaccurately on these two bureaus respective reports. It is my goal to have these unauthorized, inaccurate and fraudulent inquiries and information removed from my credit report under the articles of the FCRA.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX I received a collection from a company that hadnt contacted me. I paid the amount in full and was told it would be left on my accounts for XXXX years more which is unfair under the circumstances that they were paid.
Product: Debt collection

In XX/XX/XXXX, I received a XXXX Grant of {$4000.00}. The terms of the grant were as follows : 1 ) XXXX in a XXXX XXXX ( XXXX ) 2 ) XXXX in a high-needs XXXX ( XXXX  XXXX ) 3 ) Do so for four of the subsequent 8 years. 

I have XXXX XXXX in XXXX XXXX XXXX for the subsequent 9 years. The XXXX XXXX   website is a horrible thing, but I continuously sent in notes saying that I was working in a XXXX XXXX XXXX XXXX XXXX. I had other, larger, loans to forgive and I knew ( or thought I knew ) the terms of the agreement so I wasn't worried. 

At several points I noticed that there was no XXXX Grant link on my loan page ( when I could get to it -- the website is a horror, remember? ) and contacted them. At one point in XXXX, I talked to someone on the phone and arranged to submit three years of certification at once. Had I known of these issues, I would have submitted a fourth year -- I had plenty, it's just that I had three forms readily available. I thought I would just submit the fourth year in the XX/XX/XXXX, which is when I usually did paperwork. I did get warnings through this time, but I'd been getting warnings throughout the process. They reconverted my grant several times without ever indicating I was failing to do some essential thing. The essential thing, which was probably mentioned somewhere in the paperwork but was NOT mentioned in the phone call, was that I had to recertify every year. I never recertified, to my knowledge. All I ever did was call them up and ask to have it converted back to a grant because they'd screwed up and I was still teaching math in a Title I school. 

Then in XX/XX/XXXX when I went to submit the last year, I was told that I couldn't submit, that it was permanently converted to a loan, that there was no recourse. I argued with them for months, and at no point did they mention that I could have appealed to an ombudsman. They said that loans are never converted back to grants but they are, and I have the email showing they converted mine, and that they accepted three years after the fact. But they won't accept ONE MORE YEAR of proof. Instead, they have converted the grant to a loan and charged me nine years interest.

The " annual recertification '' is a joke. First, it's not routinely mentioned in the publication of the XXXX grant ( although I'm sure I saw it in the loan papers ). Second, I have told them every year I intend to teach. Third, they are denying me this entire grant and charging me interest because they refuse to accept proof that I've met the terms of the grant. In other words, they are hitting me with a XXXX penalty and 9 years of 6 % interest because I missed a deadline for one quarter of the evidence needed, even thoguh I have the evidence and tried to submit it long before they converted it formally into a loan.

This is a huge problem for many people, but I don't know that many who have been hit with 9 years interest who have likewise worked in the service area required for nine years.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX  2. XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Debt collection

I had paid an account in XX/XX/XXXX with XXXX XXXX XXXX and it has been removed from my credit report. Company did NOT verify my identity and went right into talking about personal information of the debt when I could have told them I was who they were looking for but it was, in fact, not. I have advised them in XX/XX/XXXX not to contact me and to cease and desist communication but had received a call on XX/XX/XXXX at XXXX EST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried many times to resolve these issues in writing and by calls I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company and learned my rights under the Federal Trade Commission. Although Ive paid balance owed under my name I did not authorize some of the charges on this account, and I therefore request that it be delete This account immediately. I also request that XXXX Card absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. also a Identity theft Notice was placed on all 3 credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX, and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and havent not received any responses regarding my inquiries into several accounts found on my credit. I understand it is the credit bureaus obligation to investigate each account and they have failed to provide the necessary validation documents or delete the negative accounts as requested. I am requesting a thorough investigation be completed into the following accounts and a prompt notification be provided once the accounts have been deleted and/or updated : 1. XXXX  Acct # : XXXX please validate this account with XXXX, XXXX XXXX XXXX XXXX Please delete and remove. 

2. XXXX Acct # : XXXX this account was paid and should NEVER have been sent to collections. Please delete and remove. 

3. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. ) Acct # : XXXX this account is reporting to XXXX after being removed from XXXX XXXX XXXX and needs to be deleted and removed. 

4. XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Act # : XXXX Please verify this account and delete this account. 

5. AWA COLLECTIONS ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Please investigate the validity of this account and delete. 

6. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Acct # : XXXX Please delete and remove this account and investigate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 


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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both have 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, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking at my credit score on XX/XX/XXXX I noticed a few things that were never authorized by me. I believe these to be fraud as I never signed anything or authorized anyone to pull my credit report on the following date of XXXX XXXX XXXX. 

Here are the companies that are giving me hard inquiry even thou I have no idea who they are and what there talking about. Any help In removed this Inaccurate information would be great. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/2016 AMOUNT : {$180.00} ACTION TAKEN : I ASKED HOW IS IT POSSIBLE THAT THE BALANCE INCREASED AFTER THE ACCOUNT CLOSED? ASK FOR REMOVAL BECAUSE OF THIS VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

today I logged into my bluebird account, and found the balance in it was empty, after I checked the transaction history it turned out that there was a transfer out to an external bank account, and it wasn't my bank I don't recognize the transaction!
Product: Debt collection

Transition notified me there was a hard impact to my credit on XX/XX/23 It was apparently by FEB/DESTINY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS PHONE NUMBER IS OUT OF SERVICEthe Apparently on behalf of XXXX XXXX XXXX CALLED Them and they refused to give me any information or help own XX/XX/23
Product: Mortgage

I have a penny mac online user id for my monthly payments which only i have access to. I have used my same bank information until my XX/XX/XXXX payment rejected because on XX/XX/XXXX my husband called to make an escrow payment with an agent. The payment was made using his account information. My XX/XX/XXXX payment rejected because my online stored account was changed by penny mac during the assisted payment and they failed to notify my husband or i. Yes, i submit my online payment, however the site does not disclose my full bank account information, and i was never made aware that penny mac had access to change my personal bank information without notifying me. Reason my payment rejected. Breach of privacy. Penny mac is refusing to rectify, confirmed it was their error. Have been giving me the run around, failed to call me back as promised. XXXX XXXX promised a call, never did. I was decline a higher up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX    XXXX   Account #  XXXX  ''
Product: Credit reporting or other personal consumer reports

XXXX is committing Fraud and Capital one, XXXX  credit card is committing fraudXXXX is allowing closed account to be a part of a credit decision when the account is old and should be removed due to the charge off and company paid for profit and loss and did not supply a 1099-C to me. I applied for the capital one business credit card which stated I have delinquent account none if my active open accounts are delinquent or past due. How can you determine my credit worthiness from a closed account charged off from 2013? This is. a clear case of Fraud and a violation of the FCRA. XXXX credit card has charged off the account and still updating in my credit file which is fraud. They got paid also through profit and loss but still are putting an open balance reporting on a closed account. I will turn this into a legal lawsuit against XXXX and capital one, XXXX  credit card if this is not correct ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX Account was open XX/XX/2022 auto loan is report a late payment, that has violate my rights and that is wrown. 15 U.S.C. 1681 Section 604 A 2 IT ASLO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A WITHOUT MY WRITTEN INTRUCTION, can u take that from my credit please. Also have a bunch of inquiries is no my pleases take that out of my credit thank you..
Product: Checking or savings account

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( 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. 
XXXX XXXX. XXXX ( 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

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify my accounts I disputed. Being that they have past the 30 day mark and can not verifying these accounts under Section ( 611 ) 5A of the FCRA which they are required to " promptly delete all information in which can not be verified ''. That I have disputed. I spoke with them telephonically several times in which they repeat that its " verified '' and that 's all the information that they give me. Can you please resolve this matter as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 a hard credit pull was done on my XXXX credit report. It says. 

Screening Reports Inc . 
XXXX  IL XXXX I did not authorize this hard pull
Product: Checking or savings account

XX/XX/scrub>XX/XX/XXXX Did not receive my weekly paycheck from my employer.

Later that night I received am email stating that there were system outages starting on XX/XX/XXXX that impacted deposits but that the system issues would be resolved by Friday morning.

XX/XX/XXXX I still have not received my paycheck and I am being hit with late fees all over the place.