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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry on XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Dept of Education : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more  payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX I think the fair solution would be to take all of the late payments off because it WAS IDENTIY THEFT. The theft destoyed my life and I want it back! My mom is XXXX years old and I need to take care of her but I need my credit back.
Product: Credit reporting or other personal consumer reports

I discovered that several accounts, including those from XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX, were inaccurately reported as charge-offs on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting of my credit information. These charge-offs negatively impacted my credit scores ( XXXX : XXXX, XXXX : XXXX, Equifax : XXXX ), and I believe they were reported incorrectly due to errors in balance updates, payment statuses, or dates of last activity. 

I disputed these accounts with the credit bureaus, I am requesting proper verification and validation of the debt. However, despite my dispute and the legal requirement for the bureaus to thoroughly investigate and respond within 30 days under FCRA, the inaccurate charge-offs were not corrected. These companies have either not provided sufficient documentation to validate the debts or failed to update the information accurately after resolution. 

Per FCRA Section 1681s-2, which outlines the responsibilities of furnishers of information, these companies are required to correct and update inaccurate information. The failure to resolve this after my dispute violates my rights, and I am requesting that these charge-offs be removed from my credit report immediately.
Product: Credit card or prepaid card

I signed up for an XXXX XXXX XXXX XXXX card in late XXXX under the offer of XXXX bonus miles and {$100.00} statement credit. I was instantly approved. After the card arrived I noticed it was downgraded to the XXXX platinum plus instead of the XXXX signature of which I applied for. The platinum plus version has more rules and less benefits/rewards which I would have not applied for otherwise. 

Why the bait and switch Bank of America? If you could not approve me for the XXXX signature why not just deny my application instead of these tactics. All it does is frustrate the customer and make them not want to use BoA at all anymore. The XXXX signature and Platinum Plus are different products with different rates, fees, benefits, terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX please remove any other variation of my name. I was going over my credit report and I noticed that there are several errors. My current and only address. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OHXXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX. Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX US DEPT ED XXXX Account # XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, 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 or other personal consumer reports

Was given a loan Deferment by Shellpoint Mortgage Servicing on XX/XX/23. 
They told me that this would not affect my credit and since they were only moving payments to the end of the loan and not writing anything off, that those payments that were moved to the end of the loan would show current.

They have reported those payments that they Deferred as late and have not responded to my request for them to be removed as late as per the CARES Act and as they indicated that they would.
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 redres.
Product: Credit reporting or other personal consumer reports

I have disputed unauthorized account ( XXXX XXXX XXXX ) on my Experian credit report starting in XX/XX/2023. As of today, the XXXX XXXX XXXX XXXX account is still on my Experian report. Experian has failed to properly investigate this fraudulent account and continue even after I sent an FTC affidavit listing the account as fraudulent. This is also a violation of 15 USC 1681b permissible purpose.
Product: Student loan

I sent many letters to Navient asking them to explain the horrendous amount of student debt and interest rate since 2017. I am not sure if I actually owe Navient any student loan debt. I am not sure if the student loans are mine or if the student loans are private loans or federal loans. I asked several time for a copy of the original student loan contract/ original indebtedness with my signature on it. I am confused and really don't understand what's going on. I have recently been going through financial hardship and I am struggling just to paid my rent, XXXX XXXX XXXX XXXX, XXXX cell phone, buy food weekly and pay for XXXX XXXX XXXX cost. I am going through a divorce and possible alimony and child support and struggling with debt and Navient is trying to drive me into a high repayment plans and they can not simple provide me with detail information so I can verified the debt and find out if I actually own anyone money, or what company I owe money to. I am stress and loosing hair. When I checked/ reviewed my credit report on XXXX XXXX there are 12 student loan accounts. 4 out of 12 accounts was from the department of education and according to my credit report memo they was collection accounts and was permanently assigned to government, assigned to attorney, collection agency or credit grantors internal collection department. I am confused. According to XXXX XXXX credit report comments 8 out of 12 student loans was transferred to another lender or claim purchased/ sold. I am confused and stressed out. Navient can not give me any clear answers. I am just trying to get my life in-order and hopefully after my divorce move to a better environment so I can build a relationship with my son. But, I can not do anything with these derogatory marks on my credit report.
Product: Credit reporting or other personal consumer reports

Every disputed account currently reporting on my consumer report is inaccurate and must be removed. Each negative alleged account is reporting inaccuracies and errors, constituting grounds for removal under the direct violation of 15 USC 1681 for reporting inaccurately. I request a thorough and complete investigation of my credit report ; please do not limit it to the XXXX system, as my financial well-being relies on maintaining good credit. Every inaccurate account is unauthorized and requires immediate removal. 

This debt collector and credit reporting agency have engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They reported an account without our agreement, and I did not sign any agreement. A legal contract involves the participation of both parties, and I was not part of any such agreement. Furthermore, they failed to follow the proper 5-step validation procedure, constituting unfair practices. According to the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to experian, XXXX, and transunion by mail and online as well as complaints through CFPB about accounts on my credit report and asking for investigation. Each time, they say that the consumer verifies, but does not provide the findings or verification of the investigation and what proof. It has gotten to the point where I am now in contact with a lawyer because they are hurting my credit by reporting the account XXXX negatively which was paid in reporting. There is also another account that is reporting that I recently have disputed and they have not provided any documentation of verification for the account verizon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact this agency. I'm so embarrassed and upset because I checked my credit report because I'm looking for a new home. I see multiple items on my credit report that are not mine. These items need to be removed asap. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Chapter XXXX Bankruptcy. I have reached out to the FTC and my local police.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I transferred {$1800.00} to my Cash app account for a XXXX XXXX XXXX XXXX XXXX XXXX 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  placed a temporary hold on my cash app card in the amount of {$1400.00}. 

On Wednesday XX/XX/XXXX, when I returned after dinner I was checked out of my XXXX reservation. I was checked back in the room and told to come to the front desk after XXXX to speak to a reservation Manager about my account. 

On Thursday XX/XX/XXXX, after checking with the front desk Manager I was told the {$1400.00} temporary hold was not showing in XXXXXXXX XXXX XXXX We contacted Cash app and they said they still see the temporary hold and they can not investigate the issue for thirty days after I check out. 

XXXX said I could not stay until I paid the remainder of my stay which was about {$700.00}, through the XXXX. 


I checked out on XX/XX/XXXX. The initial deposit I paid on XXXX XXXX, in the amount of {$250.00} covered XX/XX/XXXX and XX/XX/XXXX. 

It has been 6-days since I checked out of XXXX. Cash App funds were temporally held in the amount of {$1400.00} and not used to pay the room and I still do not have access to my funds and the Cash App is telling me it will take them 30 days to investigate the issue. 

I received an email from Cash App on XX/XX/XXXX, Cash App stated XXXX placed a temporary hold on my Cash App Card for {$190.00} on XX/XX/XXXXXXXX XXXX XXXX. Which is not possible because I was already checked out. The cash app card has been locked Since I checked out on XX/XX/XXXX. I do not have any denied transactions from XXXX since Thursday XX/XX/XXXX, the same day I checked out. 


Cash app should have a process to handle this matter it should not take a 30-day process to investigate what seems to be a computer glitch. 

Where are my funds if XXXX does not have them then Cash App should.
Product: Credit reporting or other personal consumer reports

I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my accou
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the inquiry : XXXX XXXX XX/XX/2023. Please remove this inquiry ASAP.
Product: Credit card or prepaid card

This is a response to my last complaint concerning Synchrony Bank who offered and gave me two credit cards, Amazon Store Card and American Eagle store card. At the time the offered me the card, I had additional cards, I had no real estate, I had a previous bankruptcy and they still offered me the card with limits of {$1400.00} and {$500.00} respectively. 
When I submitted my last complaint, Synchrony Bank called and left a number for me to call back ( with an extension ) and when I did, the voicemail was full and I wasn't allowed to leave a message and 30 minutes later, their response was given and my complaint was closed. I feel like it is an unfair response from Synchrony to say that the reasons for their taking my credit limit down to my current balance each time I pay a large amount are for reasons that were in place ( bankruptcy, no real estate, other credit accounts ) when they gave me the card. They are punishing me for things that I had/did n't have when they gave me the card and credit limit. Because they are taking my credit limit away when I pay down my account, they are in fact creating a problem ( that they say is the reason they reduced my credit limit ) which is that it makes it look like I have run my credit up on their card and takes points on my credit report! Synchrony Bank is part of the problem!
Product: Credit card or prepaid card

Today, XX/XX/2022, I received a new credit card from Bank of America. The company which claimed I opened the card with is XXXX. I never heard of this company before. The total credit line is for {$7500.00} and they charged me {$59.00} on the card for the privilege of opening the account. I did not open this account. My name is spelled incorrectly on the card. Bank of America told me they will close the account and reverse the {$59.00} charge. Through research, I found I should also report this incident on this site.
Product: Student loan

I originally borrowed XXXX for a private career training loan. I have not missed a payment as it has been set up on auto-pay since XXXX when the loan was originally taken out. Navient took over my loan after their split from XXXX XXXX in XXXX. I am getting nothing but the run around from Navient and I was originally told the loan would be paid in full in XX/XX/XXXX. Then when I saw the amount still withdrawing from my bank account, I immediately called to to find out what the problem was. To my surprise, they added several more thousands of dollars to my payoff amount and then said that my loan would not be paid in full until XX/XX/XXXX. I have requested all records from them regarding the original loan amount agreement and terms yet they still have not sent to date. In addition, my new pay off date is now XX/XX/XXXX. I have been paying on this loan since XXXX and has been on autopay. Now they are saying I am behind and owe an extra {$220.00}, but it has been on autopay and looking at my history- they have received a monthly payment every month since original borrowing date of loan. I am unable to claim the amount of interest I have paid on taxes as I was informed that " it's not deductible on a private loan. '' In addition- as a single parent of XXXX small children, I went back to school full time at night for my XXXX XXXXXXXX XXXX while I was still working full time as an XXXX during the day. I called Navient again to see if I could place in deferment since I was back in school at a full time status and they once again informed me that I couldn't defer payments since it was " a private loan. '' I need someone to look into this fraudulent activity as my pay amount continues to increase, now they say i'm late on payments- when it's been on autopay, and I have been paying on this since XXXX and it's XXXX and the loan is still not paid in full when the original borrowing amount was only XXXX. Please help.
Product: Credit card or prepaid card

Received an Amex egiftcard for XXXX, however unable to use at various online stores, such as XXXX. Contacted Amex on XX/XX/XXXX to register card to my address, however still unable to use at an e retailer. They advised to use it in a physical store. Added to my XXXX XXXX XXXXand attempted to use in store on XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX However all declined. Contacted Amex on XX/XX/XXXX, and they advised XXXX and XXXX XXXX are restricted vendors due to security reasons. They advised to keep trying different stores, both online and in store, but they do not have a list of restricted vendors. When asking for a physical card with the remaining balance, they advised they can not issue and e payment as a physical giftcard. I am unable to use AmEx e-gift card at any retailers that accept amex payments, despite AmEx Gift card being advertised as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your statement regarding my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, which I filed on XX/XX/2023. In your response, you stated that you would not honor my invoice because the item in question did not appear on my consumer report. However, this statement is inaccurate and misleading.
Product: Student loan

I spoke to a FedLoan representative on XX/XX/XXXX about what I could do to avoiding negative credit reporting. The representative explained that the best option would be to have a Delinquency Forbearance submitted for me. Despite this effort, a negative credit report occurred a few days later on XX/XX/XXXX. It was later explained to me by different representatives ( XX/XX/XXXX and XX/XX/XXXX ) that the first representative ( on the XX/XX/XXXX call ) should have advised me to use a General Forbearance, of which I had 702 available days ( and still have 702 available days ), but failed to give me this information and advice. It was also explained to me after the fact that a Delinquency Forbearance is not something a consumer like myself can request, but must be offered and processed by a representative. This Delinquency Forbearance was offered and submitted by the representative on XX/XX/XXXX, which resulted in a denial because the circumstances of my case did not meet the required criteria. I contacted XXXX again on XX/XX/XXXX when I learned of the negative credit reporting. At that time, another representative encouraged me to submit a dispute and took it upon himself to submit a request for review on my behalf. 
The XXXX representative that I spoke to today, XX/XX/XXXX, explained the he also would have advised me to use a General Forbearance at that time if had been speaking to me and that, had the first representative advised me of this, I would have been able to avoid the negative credit reporting that occurred as a result of allowing that representative to submit a Delinquency Forbearance rather than a General Forbearance. I feel that I was misled as to what my options were on that XX/XX/XXXX call by the representative. If I were given better advice and had been made aware that I had the option of using a General Forbearance at that time and not encouraged by the representative to allow the Delinquency Forbearance to be submitted on my behalf, I would have been able avoided this negative credit report.
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiry, which is a clear violation of my consumer rights. 
I have disputed this inquiry with Equifax, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, Equifax has failed to remove the unauthorized credit inquiry from my credit report, stating that it is accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that Equifax takes immediate and corrective action to address this issue in compliancewiththeFCRA.
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent a written notice to XXXX XXXX XXXX opting out of credit reporting. XXXX XXXX XXXX has yet to respond to my demand.
Product: Checking or savings account

My E*Trade debit card connected to my E*Trade checking is frozen. 
E*Trade does not have viable phone numbers, email address, chat access. XXXX for my calls advice a wait of over an hour and then not answered. Calls to their branch offices are answered with this message, " Branch offices are closed due to Covid. '' E*Trade chat is closed. I have tried email. I have been trying to solve this problem for over a month. I have automated payments for both my individual bills due and my business have been rejected and online payments have been denied. 

Please advice.