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

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

My husband and I have been XXXXs for 30 years ( him ) and 20 years ( me as a XXXX XXXX XXXX XXXX ). We were told to consolidate our loans in 2003 under a spousal consolidation loan. We were sent to AES and we have been paying ever since. 20 years later we have barely made a dent paying almost {$500.00} per month and now our children 's loans are due. 
Now, after submitting all the required paerwork to the PSLF program, we are told by AES, PHEAA, and XXXX that we can not getforgiveness through the PSLF program because they consolidated us back in 2003 into a XXXX joint spousal consolidation loan. According to the new PSLF regulations, we would need to consolidate the loans under XXXX to get forgiveness, which we tried to do. XXXX said they won't do it because it was consolidated back in 2003. The fed govt stopped the practice of getting spouses to consolidate under AES, but we seemed to have been forgotten and are not allowed to join our fellow XXXX  in any relief because of what we were told to do by federal loan providers in 2003. 
According to the experts, the XXXX joint consolidation loans were found to be detrimental and so they stopped offering them, but now the providers have left the couples who were advised to take them out forgotten in the forgiveness program. 
We feel like we were lead into a trap and can not get out. We have served diligently in XXXX XXXX XXXX XXXX  for years and paid w/o missing any months. 
I am asking if you can help advocate for us to consolidate these loans under XXXX or start the complaint process as I truly believe there are more of us out there who are being treated unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send {$30.00} by check EVERY SINGLE MONTH to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX and every single month it is drafted out of my account ( so the checks have been cashed ). I started making those payments in XXXX of XXXX  and they continue to this day. Despite the faithful payments, SEVEN of my accounts have been turned over to collections ( Fox ) and reported to credit bureaus. I have ZERO control over which account numbers the recipient posts my money to every single month. Once I mail the check, my responsibility ends. 
I discussed this with XXXX in accounting at XXXX and we have a binding verbal agreement that the payment will be posted against my account each month and my account wont be turned over for collections. What is done with it after I send it is NOT my responsibility. It is the responsibility of XXXX and Fox to ensure that my payment is calculated and posted NOT MINE. So, how do you figure I am delinquent on my account with XXXX when Ive made a payment every single month without fail? 
I have called, challenged my credit report, and was basically called a liar. So, I have no other choice but to report this to the XXXX and the XXXX. 
Please remove the following from my credit reports immediately and ensure that the credit agencies are notified of your erroneous reporting : Account # Amount Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute : Fox Collection File no : XXXX Submitted : XXXX again on XXXX ( File no XXXX ) XXXX {$400.00} XXXX Dispute : Fox Collections {$400.00} XXXX Note : After speaking with Fox Collections on numerous occasions, its clear theyre not interested in any verbal agreement or any payments I may have made. However, I confirmed on XXXX that the verbal agreement was still in force with XXXX with XXXX. She shows all the payments Ive made EVERY SINGLE MONTH WITHOUT FAIL since 2018. She could not explain WHY my accounts were turned over when Im paying on them every single month without fail since 2018. Is it asking so much that someone from a credit agency or a credit reporting agency call the original creditor/vendor to confirm that the debt is actually owed? Please, just do it. Im trying to do the right thing here, but it seems no one else is. 
I've contacted Fox, and XXXX and XXXX and the automatic response is to either call me a liar or deem the dispute " resolved '' when it is anything but resolved.
Product: Debt collection

I discovered an unknown account on my personal credit report. I contacted the company by way of registered mail twice and I have not heard back from them. However, the credit bureaus allege that XXXX XXXX XXXX says the account belongs to me. I have know knowledge of what the account is for or whom the original credit is. I was not afforded the opportunity to dispute the unknown allege debt- it was just placed on my credit. I was told they can not do that and its against the FCRA. I have also contacted the Attorney General, FTC and your institution.
Product: Credit reporting or other personal consumer reports

On my credit report there are incorrect addresses. I never lived at or did business or used any of these addresses. The incorrect addresses on my credit report are : a ) XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. 

The second incorrect address on my credit report is : XXXX XXXX XXXX, XXXX, Florida XXXX. 

None of these addresses below to me. So delete these addresses from my credit report immediately and update my credit report with the correct address.
Product: Vehicle loan or lease

To whom it may concern ; The last four of my social security number is XXXX, so you are able to look up my account. This is not a refusal to pay, but a notice that this account is disputed. This vehicle was repossessed by you in the State of Texas in XXXX and resold on or about XXXX XXXX based off what I see on my credit report. Under the laws of the State of Texas UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand that JPMCB AUTO provide proof that the repossession of the subject vehicle was legal in accordance with the following State of Texas UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You MUST provide to me copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. 
Sincerely, XXXX XXXX
Product: Credit reporting

I have a lien that shows up on XXXX, Transunion that has been paid for. 

All old deby from XXXX is paid as well but shows on transunion
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

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

In accordance to the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 604A Section 2 bit also states that consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and told them that these accounts were not mine & I did not open them. I had no knowledge of these accounts, I have filed a police report & FTC identity theft report XXXX. I am asking to have these accounts off my report XXXX XXXX XXXX {$4.00}, XXXX, The XXXX XXXX XXXX {$650.00}, XXXX XXXX XXXX XXXX {$68.00}, Dept of Education/XXXX {$3700.00}, Dept of Education/XXXX {$4300.00}, Dept of Education/XXXX {$3100.00} Dept of Education/XXXX {$5000.00}, Dept of Ed/XXXX {$6700.00}. These inquires also do not belong to me from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived at the follow address as well XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX - XXXX This account has been disputed for fraud. It was deleted from my account. But has now reappeared. 
It was deleted now again on report. 
I filed a identity fraud report This is not my account. FRAUD!
Product: Credit reporting or other personal consumer reports

I am not affiliated with the listed creditors, and these inquiries are not mine.
Product: Credit card

XXXX XXXXXXXX XXXX insisted my card was received by me in XXXX Of XXXX. I MAILED THEM A LETTER FROM THEM INFORMING ME THAT MY card would be late due to a. Vendors mistake. The letter was dated XXXX Of XXXX. I received and activated my card in XXXX of XXXX. I proceeded to charge over {$2000.00} in the first 3 months. The offer was I would receive {$75.00} for every {$500.00} charged in the first 3 months up to {$220.00}. I never received anything. After 8 months I called reps, who worked out of XXXX, to tell me why. They said my card was issued to me in XXXX Of XXXX and the 3 month period to receive the promo had run out. When they later got my letter from them proving them wrong about the date I activated my card, they still insisted I received it in XXXX and refused to pay me the offer of {$220.00} that was promised. My initial payment was made on my XX/XX/XXXX statement. There were no statements with any charges before that.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

XXXX XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX received a debt of payment notice from credit control corporation. This bill stemmed from my recently submitted complaint from XXXX XXXX. I just submitted a consumer report to XXXX. I work with XXXX hospital and I had a medical bill. XXXX harassed me the whole time I was paying an active account that was never never not paid on time. This company harassed me for several months and currently the medical bill was paid. That is why the first complaint has been submitted. This company needs to stop all interventions to collect a debt that does not exist. I want my credit consumer report fixed immediately or there will be another complaint against them. This company needs to take the business time to ensure of what kind of debt they're trying to collect before pursuing it. Both companies need to go back to business basics 101.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was unable to help me with my concern so I decided to get in touch with you.. The accounts are not mine and shouldn't be reported on my credit file. They simply provide me with a computer generated document is no enough proof that the accounts belong to me. I escalate this case to you CFPB in order that you remove the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 - notified by XXXX XXXX that a XXXX  card had been opened in my name. Verified that it was fraudulent XX/XX/20 - notified all three credit companies via phone and mail, filed FTC complaint, froze credit accounts XX/XX/20 - got credit report from Equifax. Noted fraudulent address, phone number, and XXXX  card. Called Equifax. Submitted dispute via phone and mail. 

XX/XX/20 - XXXX  card was removed from my account. My XXXX XXXX was also removed which I did not ask for. 

XX/XX/20 - Equifax sent a hard copy of my credit report to the fraudulent address. 

XX/XX/20 - Logged in to Equifax website to check status of dispute, discovered that Equifax was sending information and updates to the fraudulent address. Spent 3 hours calling Equifax, only to be transferred and/or hung up on. Finally talked to a representative who said that I had to resubmit documents. Offered to put a statement in my file that noted the fraudulent address and asking not to send any information to that address. 

XX/XX/20 - Resent dispute information to Equifax via mail noting fraudulent address and phone number. 

XX/XX/20 -Equifax sent a dispute notification to the fraudulent address. 

XX/XX/20 - Equifax has changed their website. I can no longer tell who they are sending my credit information to and it says that I have no active credit cards, which is not true.
Product: Debt collection

In XX/XX/XXXX I noticed an account from Credit Protection Associates via XXXX XXXX XXXX in the amount of {$260.00} from back in XX/XX/XXXX. I have sent several letters trying to resolve this account that doesn't belong to me. I have never had this service nor have any knowledge of such company. I have copies of letters I mailed to CPA EXPLAINING the false account, yet they insist they have proof of which they won't provide. They responded as To one letter as verified. I asked who verified it and provide me with proof so that I may prove that person in question also have no proof. I have signed and been giving copies of my signature on every product I have ever purchased. they can not provide my signature do to the fact they don't have it. I have been targeted to pay monies they can't collect from the person they can't find. it's been havoc in my life so far and I need this to end. Please help resolve this false blame so I may move on with my life. I have served my country true and for that I am able to use my VA loan to purchase a home, however this infestation on my credit report is making that difficult. CPA needs to stop harassing me with this account I do not owe.
Product: Credit reporting

I have sent Numerous notices to XXXX to delete the inaccurate accounts they could n't verify or Validate to me. This account is not mine & need to be delete from my credit report. Experian is causing me damages by reporting this negative account which is stopping me from moving forward in the world of commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws. I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. XXXX XXXX has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX  and XXXX refuses to remove this debt knowing it is not valid.Also, XXXX does not have the consent of XXXX XXXX XXXX to report this debt.
Product: Credit reporting or other personal consumer reports

I've requested Experian to remove all blocks and fraud alerts from my credit reports via letters and fax, but haven't received a response. It's urgent that these blocks be removed promptly as I do not wish to have my credit reports blocked
Product: Debt collection

Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done.
Product: Credit card

Someone stole or found my navy federal credit card in XX/XX/year> and used it. Navy federal never flagged it as fraud or asked me it they charges was me. So when I disputed it they said that i was financially responsible and they closed my card because i kept disputing it because it was not me that made this transaction and I shouldnt have to pay for it so they closed my account so I couldnt keep fighting the claim
Product: Debt collection

This company is informing all major credit bureaus that i owe numerous accounts with XXXX and XXXX. They have not presented a wet ink signature contract with them and this debt they claim i have is not valid. This company needs to remove this wrong information or i will pursue legal action.
Product: Debt collection

On XX/XX/XXXX I received a collection letter in the mail for an unknown debt. I requested validation from them on XX/XX/XXXX. Another letter was sent from them on XX/XX/XXXX with a contract copy and a bill nothing with a signature. I sent another letter certified on XX/XX/XXXX asking for proof of license to collect here in Illinois as well as a contract with my signature along with the purchase agreement. On XXXX XXXX I received a letter stating dispute investigation valid!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, ink. ) 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Bank of America had not sent my updated bank information to  XXXX  so that I could receive my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reported my account late for XXXX and XXXX while the account was in a forbearing and mod. I sent them a copy oy my bank statement showing that the payments made and they still have not changed the reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I attempted to transfer {$75.00} from my Venmo account over to my PayPal account. The Venmo service initially would not execute the transfer, stating that the transfer had failed and saying lets try this again. 

I should state, I am a new customer to Venmo. I carefully followed all of their requests during the process of opening my account to verify my identity. The account was opened, and they did accept a deposit from a friend of mine. 

After making several attempts without success, I contacted the customer service department to figure out what was wrong. While I was on the phone with the customer service representative, I received an email from Venmo stating that my account has been frozen, and demanding I send a photograph of my drivers license to them. I did this, and asked the customer service representative on the chat what they had done to freeze my account, they stated nothing. I was told to follow the instructions in the email, and that my account would be unfrozen quickly. I did so, and the account was not opened. A couple of hours later I reached out to their customer service department via phone to the request the account be opened and money transferred, they stated that they could not transfer the money, nor could they offer any explanation as to the exact reasons why the account was frozen in the first place. They also refused to give a reasonable timeframe as to win the account might be opened, only stating a rather vague 7 to 10 days. I explained to the customer service representative that they could not simply kidnap my money for over a week without giving me any reason whatsoever, and I was told that I would just simply have to wait through the process and that they would release my money to me when they could. 

At no point have I been given a good explanation as to why the account was frozen, nor an acceptable timeline for when it would be opened. Taking money from people and not allowing them access to it is theft. Venmo should be fined and forced to give me my money back immediately.
Product: Money transfer, virtual currency, or money service

I was scammed by XXXX and XXXX, on XX/XX/202. 
Money was transferred from my XXXX wallet in the total amount of XXXX XXXX.