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

I used the online site for all XXXX annual Credit Reports. Experian was the second, and sent my phone a non working link to verify my identity. It would not allow me to choose an email, or new link, or any option that could send a code to my phone. It sent a link for a registration within Experian that does not open. And Experian should not be demanding a registration and a link from my phone to their company through my phone. When the link they sent me would not open, their phone option I called, and it is not a viable phone option. It forwards you to use the other mail in paper copy, ID 's required, lengthy, unnecessary commitment of time, etc. option. This is a form of refusal and non-compliance. I have every legal right to my credit report online, and my phone number and email match up to my file. I have no desire to spend my time and energy compiling a profile and mailing back and forth when they have to by law provide me with a free annual report. What is stopping them from sending my phone a code that I can type in to verify my identity? Or sending one to my email? They refuse to do either, and are playing games with consumers to avoid providing them their Credit Reports. Please Assist. 

Thank You, XXXX XXXX
Product: Debt collection

i contacted midland credit management, inc on XX/XX/XXXXabout debt owed from a credit card that i never owned and they said they wo n't dispute it because it was a charge off and is in collections. the amount it says i owe XXXX from XX/XX/XXXX which it was reported originally from XXXX. i told them i never stayed at the adress listed. i also tried to have it disputed with a 609 letter and they sent me a statement with no valid proof.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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.

The following items need to be removed and blocked as they are fraudulent. 

XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

Also on this said account it's in collection and had and open status pursuant to 1682G ( B ) of the fair credit act report. I requested a chain of ownership from original creditor all the way down the chain to who owns the debt as of today XX/XX/year>. I sent this request in on XX/XX/year> and have yet to receive anything from them. I'd like to request that this account that's in collections with and open status be remove from my credit report and deleted
Product: Credit card or prepaid card

I hav e the Citibank Double c ash back credit card. From  XXXX   XXXX , there were unauthized charges to my account. I disputed the charges on or about  XXXX   XXXX . I was told I was not going to be charged for these amounts. On or around  XXXX   XXXX , I was credited approxim ately 1/4th o f the fraud charges. On  XXXX   XXXX , my automatic bill pay took a large sum from my bank account, which included {$1400.00} in fraud charges.   
Citibank will not release this money back to my bank account until they " do a full investigation which could take 2 billing cycl  es. '' I want my money back immediately. I 'm prejudiced by not having this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Macys and negotiated a settlement for a balance owed. I was also told the account would be deleted from my report once it was {$0.00} balance. I have waited and the account still exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I purchased property XXXX XXXX XXXX XXXX in XXXX XX/XX/XXXX. I had financial hardship in XXXX and tried to sell property. I tried to work with banks to assist but was unsuccessful. Around XX/XX/XXXX property was foreclosed. I had 2 mortgages. Im assuming the first was satisfied. Loans were with XXXX and XXXX. 
I applied for a HELOC in XX/XX/XXXX with CITIBank. The HELOC was for {$150000.00}. 
The HELOC paid off the existing second with XXXX {$120000.00} and borrower received {$10000.00} check to pay for portion of kitchen remodel. Citibank is garnishing my eagles at this time. They have a judgment for {$220000.00} which include loan, fees and interest. Im living paycheck to paycheck. I cant have them take any money from me. This is causing stress and hardship.
Product: Student loan

Fedloans is the servicer for my loans currently and I am enrolled in PLSF. I need XXXX payments to have my loan forgiven. I have been waiting for the past 2 years for them to accurately count the payments I have made, as there are at least 12 payments missing from their counts. I have called Fedloans several times, including trying to talk with the Ombudsman to resolve the issue, and this was at least 6 months ago and still the issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit card or prepaid card

I am contacting you in reference to USAA XXXX  who is the subject of this complaint. It is believed that USAA for a period of more than 5 years as a customer of its bank has engaged discriminatory business practices that involve the denial of credit when other credit cards companies have offered me unsecured lines of credits on the same day that I requested credit from the bank. I have in my possession a credit card that started out as a secured credit card valued at {$500.00} with another military bank which has grown to over {$10000.00} compared to USAA who has not approved an unsecured credit card while as a member. Even worse USAA is the only bank that charges me an annual fee for a secure credit card. The credit cards that I own that have that started as a secured card have been automatically been made unsecured by another military bank. While USAA has refused to approve any lending products as a member for over 5 years. I have asked on numerous occasions and even complained about their unfair business practices to their customer service team with no resolution.
Product: Credit card or prepaid card

This occurred on XX/XX/2022 and is one of many cards/loans for application. No information on the location except for Comenity BankXXXX XXXX XXXX It says my SSN, DOB and name all matched. 
I have not applied for a card or loan in years. I am using XXXX XXXX XXXX and they are having trouble finding this company.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history is not correct. I attach a letter with the correct address.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX Paypal placed a limitation on my account that is linked to a website that I opened in summer of XX/XX/XXXX. I am a XXXX XXXX living in XXXX, Colorado and I started this as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything is shipped from my house and I do everything myself. After 2 months of hustling I designed a product based on my customers feedback and it was an instant success. Starting XXXX I started making sales over {$7000.00} per day and the Paypal system flagged my account. I submitted all the documents that they asked for and that same day they came with the decision to limit my account permanently and now they are holding roughly {$52000.00} for 180 days. They just told me that my account was marked as high risk but they did not provide any further information. I kept asking and they just said that it was too risky for them to do business with me. I do everything the right way and I even provided them with all the information about the product I sell, the supplier, the invoices, etc. At this point I do not care if they hold my funds, I just want to be able to use Paypal again because my product sells around 50 % more if I have Paypal available in my account. I am willing to work this out because my company is transparent and takes the customer satisfaction very serious. I had very few complaints and felt like the limitation was completely unfair because I have been working for this over 3 months, day and night, and the USA system is known to reward those who are willing to work hard and deal with problems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX opened a credit card account without my consent, it was marked as fraudulent within their system and was closed. However, this unsolicited account has been registered within my credit report and thus my credit score has been affected by this, resulting in XXXX pts. reduction of my credit score unjustly. I never was or am a customer of XXXX XXXX. 

XXXX investigated and removed this account from their credit report, so I am soliciting XXXX, Experian and any other Credit reporting service to do the same. Ive attached all the evidence and a copy of the initial complaint to XXXX XXXX and XXXX for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery was supposed to remove this fraudulent trade as of XX/XX/XXXX per their response. It has been removed from all CRAs with the exception of XXXX. Please remove ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : 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 an 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 item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

s Suntrust equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've have been in contact with XXXX XXXX since XX/XX/XXXX as to why my Mortgage is is listed as closed at all 3 credit bureau. I've been told repeatedly by XXXX XXXX representative they're updating ... My account was closed or removed from all credit agencies since XX/XX/XXXX. I've gone to the a local branch office to address my situation and once again, was told in the situation will be corrected. This has been going on since XXXX of XXXX ... I recontacted XXXX and was told my account will be finalized/added to all reporting agencies the first or second week in XXXX. I'm at my wits end and reaching out to you for assistance. Please note, I am trying to rebuild my credit but clearly XXXX XXXX is not helping me in this endeavor. 

Thank you! 
XXXX XXXX XXXX
Product: Vehicle loan or lease

Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Product: Student loan

On or about XXXX, I spoke with XXXX or XXXX who offered me a settlement for {$650.00}. I agreed to pay the amount. I have in writing the agreement that was sent to me via email which I have included with this letter. 

Agreed amount {$650.00} Payment XXXX - {$300.00} Payment XXXX - {$100.00} Payment XXXX - {$100.00} XXXX  Balance {$150.00} When I have been contacted since the last payment I have been told that I owe the full {$1000.00} amount since I did not meet some time requirement of the agreement. There is not a timeframe included on the agreement that XXXX and XXXX sent me. 
The most recent correspondence is XXXX from XXXX XXXX stating my balance is {$250.00} which I then made a {$100.00} payment. 

History of this event : I signed up for a XXXX class. When I spoke to the recruiter I asked several questions about the program. I was told I would have a student advocate that would help me in the program with questions and concerns. In the first week of the course I reached out to the instructor who continuously referred me back to the syllabus. My questions were about the syllabus. I am unsure if this was an automated message or if it was an inattentive effort. I reached out to the student advocate on multiple times with no response. I was later ( after the course ended ) told I was paired with a student advocate that was no longer in the program. My appeal to the {$1000.00} was that I made all necessary efforts for assistance and guidance and was never met with any successful assistance. I was offered a settlement and have agreed to pay the amount. 

Since the settlement I have been in the hospital and had several medical bills due to a medical condition. ( I am willing to provide documentation and proof to this if necessary its not some XXXX story. My health has to be primary or I can no longer work to pay not only this bill but any other expenses. ) I have accumulated over {$4000.00} in medical bill which I also have had to put into this financial equation. I am doing my best to meet all these obligations fairly. 

Proposed resolution : I am asking for a final invoice of {$150.00} that I am willing to pay. I would appreciate a document that supports this {$150.00} will fulfill my obligation to this debt with the same terms and conditions as the previous agreement : Completion of this agreement will allow me to get transcripts and reapply in the future should I decide to take any further course work with XXXX. 

Further comments : Several representatives that have called from the agency have been kind and understanding. As of recent, there have been multiple times that someone from the agency has called and hung up as I answered. Each time someone has called I have spoken to them and explained the above situation. Calls being recorded can prove this. Recently I have had a few representatives who have called and been very argumentative ( also can be found on the recordings ). I was in the hospital for 5 days in XXXX and received a call that was to this effect.
Product: Checking or savings account

I made a deposit of $ XXXX on XX/XX/XXXX. The day after the deposit, the funds were placed on hold until XX/XX/XXXX. When I called to ask for the reason, I was informed that it was because TD Bank had never processed a check from that maker before by their check hold / fraud department and therefore they dont know that it will be paid. Under XXXX XXXX, this logic does not seem to stand up to the reasonable cause to doubt collectibility exception. I expressed this concern and was told that the department has said the funds will not be released until XX/XX/XXXX because this is their hold policy. This misuse of the reasonable cause hold exception is causing me financial harm as the funds were to pay off a loan with a 23.9 % interest rate, so the additional hold time will result in interest and cause my payoff to go through after the next payment due date.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX CT GA XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

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

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

Someone stole my ssn. There has been a police report filed. They used it to purchase utilities for an address I have never lived in.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts that appear on my credit report do not belong to me, and are hurting me, please review them XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

SEQUIUM ASSET SOLUTION Account Number : XXXX This is not mine. 
XXXX Account Number : XXXX This is not mine. 

XXXX XXXX Account Number : XXXX This is not mine.