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

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on Equifax 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX OF XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX CARD XXXX )
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and I am seeing so many fraudulent inquiries that I did not do. I did not apply for these things and they are affecting my credit negatively and need to be removed immediately. My rights are being violated because these inquiries did not get looked into thoroughly before being placed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the Credit Bureaus over 30 days ago and I am yet to receive a response from them, these items ate inaccurate and I would like for them ti be removed
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 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. 

DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander USA refuses to remove the information on credit reports!! if not ill sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a recent data breach that has led to identity theft, resulting in unauthorized accounts appearing on my credit report. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that the following accounts be blocked and deleted from my credit report. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Letters were sent out to clear the inaccurate and unfair credit reporting methods that were being used which the consumer agency just replied back with being verified. This result is very unequitable and is affecting my reputation in a negative way because it clearly states in XXXX XXXX XXXX ( c ) that if a consumer notifes a debt collector that a consumer refuses to pay a debt that the debt collector must cease all communication. it reporting to my consumer report is a form of communication and that is CLEARLY A VIOLATION.
Product: Checking or savings account

I had account I opened in XXXX I added my then wife in XXXX. Upon I separation she wanted to be removed from the account. She could not remove herself without me present but she was allowed to close the account without me being or sent or with my permission. I was never called or contacted to approve her removal which couldve been done with a phone call or docusign. I know know they was something to gain by XXXX XXXX closing my account and sending documents to the wrong home address. I had just received an updated debit card and activated it days before before the closed two of my accounts down. This is not right and not a good practice to keep customers.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I started making payments for my loan in XXXX. I made IBR payments. They were roughly $ XXXX/month. My husband and I were filing jointly so my payments were very high. I didnt understand why my husbands salary had to do with MY student loan. Anyway, after XXXX we filed separately and my payments went down, finally. The only reason I did this was because after 2 years of payments not 1 cent was put to principle. How do you make over {$7000.00} worth of payments in a year with nothing to show for it. I am obviously trying to pay it off, but I filed taxes separate and my payments went down. I started in XXXX with {$160000.00} in debt for my XXXX of XXXX XXXX. Now it is XXXX and that has grown to {$210000.00}. In XXXX my husband and I were blessed with our little girl. I was out of work for 3 months. I was told by Navient that since I wasnt working my loan would go up to {$30000.00} in those three months. This is when I started giving up. I would like to pay off my debt, but in 7 years of IBR I now owe {$50000.00} more than when I started. What's the point in doing the right thing? What's the point in going for your XXXX so you can help people? Just ridiculous. There is no way out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report with Transunion, my XXXX payment is recorded as being late, my payments are due on the XXXX of each month, my XX/XX/XXXX payment was received by XXXX XXXX on XXXX XXXX clearly not 30 days late.I sent a letter to transunion by certified mail threw the postal service, i sent a copy of the western union payment, and the receipt from the currency exchange where i purchased it.I have copies of everything, and they still refuse to remove the late payment for XXXX from my transunion credit report, my payment is {$380.00} a month, on the XXXX of each month, im requesting transunion remove this error from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I am currently in the process of purchasing a XXXX and had my consumer report ran. Received notification there was a new listed collection account with XXXX XXXX for an alleged debt with XXXX XXXX for {$1600.00}. I reached to the original creditor to dispute the claim. They have a falsely created account that I have never attended and directed me to the collection agency. They were not able to assist the dispute or do any form of due diligence of resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX : {$4500.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$740.00} XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Vehicle loan or lease

I'm excusing my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 ) I have requested via letter sent certificated mail to registered agent, CEO, manager and finance company a letter requesting a full refund of down payment and all of payments sent to finance company involved.
Product: Debt collection

I am writing regarding the continued inaccurate reporting on my credit file, despite my initial dispute and my Consumer Financial Protection Bureau ( CFPB ) complaint regarding these errors. TransUnion previous response was insufficient and noncompliant with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since I submitted my complaint against XXXX  ( XX/XX/2020 ), they have required that I two-step verify EVERY SINGLE TIME I log in to XXXX. It is extremely annoying. I do not know what category of complaint this would fall under, but in ALL the time I've been using XXXX, this has never happened ( but immediately after lodging the complaint, it began and has not stopped -- even though I'm logging in from the same computer every single time ). I think this is backlash for my complaining. Actually, Equifax  did the same thing. As soon as I lodged my complaint ( it is in my complaints records ), problems began with logging in. It hasn't been resolved to this day. I would try to log in, and, despite the fact that the password was saved in my browser, it would claim I was putting the wrong password in, so it would warn me that I was running out of opportunities to log in and that the account would lock if I kept inputting the wrong password. The only way around this was to go through the process of making a new password -- and I've had to reset the password to the very same password it always has been many times and to this day I still have the same problems if I don't log in for a while. It takes a long time to fix the problem, and then the problem is never actually solved. It is draining. This has to be backlash from these companies against people for following the established protocols for complaining about them.
Product: Credit card or prepaid card

In the last week, I attempted to log into my Chase account and pay one of my credit card bills. In an attempt to do so, I was faced with two new disclosures. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreement. Not only did I actually try to read the ONE HUNDRED AND TWENTY FOUR PAGES, but I was then timed out when on page 11. I refuse, with good conscious to blindly accept such a massive document and being timed out after 10 minutes. As a consumer, who in their right mind would blindly agree to terms that they can even read in its entirety. This is misleading, bullying, and truthfully unlawful. I am not able to access any of my accounts without just shrugging it off and accepting- which I am assuming millions are actually doing. I refuse to do so and fall at risk of being late with a payment. That's not okay... I have impeccable credit, but I also like to be an informed citizen who is entitled not only to my money, but understand the scope of a legal binding agreement without distrust in the institution.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was sitting on my couch when I received an email from XXXX confirming an Ethereum sale transaction which I did not initiate. I immediately contacted XXXX and my account was disabled/locked down. I was assigned case # XXXX and told it would be resolved in 4/5 business days. So far everything seemed reasonable as It seems I was the victim of a hack and that resetting my login/passwords would be an obvious fix. 

I had 99 % of my crypto in XXXX Vaults so in theory adding extra layers of security and protection. 

Since then - Nothing. No case manager, no human contact, no phone calls, no updates, no emails, nothing. 

I have over {>= $1,000,000} XXXX XXXX XXXX XXXX XXXX XXXX dollars XXXX at current market values in XXXX and this is virtually all my life savings. 

I have been all over XXXX and other sites and it seems many, many people are having these issues with XXXX. 

Its beyond unconscionable to simply not communicate especially when in control of so many others funds. 

Please help.
Product: Credit reporting or other personal consumer reports

I want to filling a complaint against XXXX, Experian XXXX XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, Experian & XXXX consistently responds within XXXX hours 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 is mandates a reasonable investigation of disputes. Furthermore, Equifaxs, Experians & TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX, Experian & XXXX complies with the federal law and provides consumers with necessary proof of investigation.
Product: Credit card or prepaid card

From XX/XX/XXXX up until XX/XX/XXXX I was struggling to pay my credit card bill with USAA. I contacted them and tried to work out and agreement and they neglected to help, telling me that fees and interest would still accumulate and late payment fees as well. And they eventually closed my account. So XXXX of XXXX came around and I received a notice of interest continuing to be charged on my closed USAA account. I contacted them and made them aware of this matter and that I had been laid off due to the Covid-19 virus. They further neglected to help, stating, fees will continue to accrue until the account was paid in full. As a XXXX, I feel discriminated against for something that was out of my control. USAA definitely doesnt care, and is continuing to charge me fees, interest, and late payments on this closed account.
Product: Credit reporting

I had XXXX account with XXXX in XX/XX/XXXX and my account was paid in full closed in XXXX ending in XXXX. I did n't have any other account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

I didn't authorize this inquiries on my report. 

XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I.c. systems recently deleted a false account that was added to my credit report XX/XX/XXXX with a balance of XXXX XX/XX/XXXX they placed another inaccurate collection on my credit report with false open dates after I received a letter stating that the debt will not be re-reported by the company itself to the credit reporting agencies. The letter I received from this company is a credit reporting removal. How is it added back on my credit report?
Product: Checking or savings account

I opened a MoneyLion checking account in XXXX, 2019 in response to their Pave the Wage advertisement. 
I installed their mobile app and clicked " opt in '' on the in-app advertisement for the Pave the Wage promotion. 
I direct-deposited over {$3000.00} per month in XXXX, XXXX, and XXXX. 

I subsequently emailed their customer support twice, once in XXXX and once in XXXX, to confirm that I had successfully opted in to the promotion. XXXX and then XXXX responded, but the answers were robotic and unhelpful - same form response when I replied to confirm. 
I later opened another support request in XXXX. Their support ticket system had changed. XXXX confirmed that I had opted into the Pave the Wage promotion but that I was " not on the list. '' She said " I am escalating this to have them add you to the list. '' I wrote in a week or two later, and XXXX XXXX explained that there is " nothing needed on [ my ] end '' and that the " issue has been escalated for review and to be added on the list once confirmed. '' He or she said " there is still some processing for review on this feature. '' I opened more tickets over the following weeks and months, but customer support reps XXXX and XXXX were unable to locate my account. I used the same email every time. XXXX did not answer, but explained that they had " higher volume than normal '' and told me to call. After half an hour on hold, I gave up. 

I am owed {$590.00} per the terms of the Pave the Wage promotion but have received nothing.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}
Product: Debt collection

XXXX 2014 I was contacted by XXXX stating that I owed a bill. I told them at that time that I have never had their service and asked for the service address, which I was told was in California. I informed the rep at that time that I have never had the service and have never lived in California. At that point I was told that it would be taken care of an apologized to. No further contact was received. 

I recently applied for a job with XXXX XXXX and as part of the process for selection, my credit was pulled. My credit is not perfect but I have worked hard to repair my credit and pay debts off and have succeeded thus far. When reviewing my report in XXXX that was pulled for the candidate selection I found a collection notice on their from Stellar Recovery in MT for XXXX XXXX. I contacted Stellar, who had my current address but was referred to XXXX. I have talked to XXXX numerous time and they have not been able to find an account in my name matching the last XXXX of my social. The last conversation I had with them is that it is not my fault I allowed my information to be compromised ; outrageous. If I had allowed my information to be compromised why could they not find an account in my name? I was talked down to and spoken to horridly and still I am now getting the blame. I have lost the job that I was after, which would have given my the income boost that I need. XXXX simply will not do anything at all. A negligent company like this should not be allowed to be in business. I feel that they should be financially responsible for my job loss, violating the laws of conversion and allowing a fraud to occur and reporting falsely against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX FL XXXX, NY XXXX XXXX XXXX XXXX