23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was sent an email claiming I needed to " review and acknowledge disclosure of this receipt within the next 30 days '' for my federal Perkins loan. This email was from XXXX XXXX on the XXXX of XXXX, 2018. I had never gotten loans through this company before, so I was confused but made an account anyways. 

Their account creation was incredibly obnoxious ( three security questions were required for some reason ) and to log into my account I always needed to answer one of them, something I'd never had to do before on any website, loan or not. To add to the frustration the website logs you out after 10 minutes or so, regardless of whether or not you're active ( I was entering information at the time ) It's UI is so horrendously confusing to the point that it seems deliberate ; you have to " link an account '' to see any loans. " I don't have an account to link? That's why I created one? '' Are questions that immediately came to mind. I tried to use the code that came with the email to link whatever account existed, and I get the message " this code is currently in use. '' I try again, and then call their support ( this is all on the XXXX of XX/XX/ 2018 ) ; they tell me, unhelpfully, to try again later. I waited an hour and tried again, to no avail. Their support line was then closed, so I was stuck with no way to progress. 

XXXX XXXX gives you no other method to link an account. You need your school 's code, which they don't provide a search method for, and your account number, which they also give you no method of obtaining if you don't know what the account is. When first accessing the account, the code is the only method through which you can access the account. There is no quick way to resend the code, as with literally every other website that I have ever used.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Within the last two weeks when making transactions between SELF, financial and XXXX XXXX XXXX XXXX ( XXXX ) and paying from XXXX account SELF notified me that the XXXX is saying that there is no account in existence, or unable to locate. However, when I contact XXXX they say Self has not contacted, or tried to charge the account. SELF has charged multiple fees, although the account has more than enough for the transactions, and to date has not offered to erase or eradicate the charges. I have gone back and forth between both companies and have yet to receive any practical solution to the ongoing issue, and improper fees and charges when I did everything right on my end.
Product: Money transfer, virtual currency, or money service

Venmo has let several transactions go thru that where deemed in violation of their user agreement process to the account and got one time did Venmo block, deny, or contact me to let me know that XXXX XXXX wasnt allowed thru Venmo I havent did anything fraudulent on my account at all and Venmo did not stop any payments or deny any transactions on my XXXX XXXX for 1 year so I was under the impression that I could use my debit card on XXXX XXXX Im in a state where it is legal to bet on XXXX XXXX apps so I havent did anything fraudulent at all and all of a sudden you guys put a hold on my account on XXXX XXXX this is unacceptable why let several transactions go thru for up to XXXX and now say I cant bet on any XXXXXXXX XXXX and put a hold on my money that is rightfully mines and not fraudulent at all for 180 days this is unacceptable.. the 1st time I made a purchase on XXXX XXXX app you guys was suppose to cut service with me right then or you guys system u say that has control and over sees the integrity of Venmo policys was suppose to alert someone and not let several of the same transactions that are so called goes against paypal and Venmo policies and user agreement go thru several times with no problem for a year Venmo was suppose to cut ties immediately thats what the policy says not wait till 1 year later and I have my whole life savings in my account to put a hold on my money for 180 days and close my account thats unacceptable. And I have PayPal and have made the same transaction and still to this day have made the same transactions on Venmo I have made on PayPal and never not once no one has said I suppose to get permission to place XXXX XXXX bets.. PayPal and Venmo are brother sister digital transfer platforms and PayPal has yet to put a hold or block on my account I have proof that Im going to provide as well but this is so unacceptable for you guys to hold my money I demand my money right now because you guys arent holding those same user agreements and terms that both Venmo and PayPal share to the fullest this has put me in a financial hardship I have lost my car, house, job, I am currently homeless and you guys are holding anything I have left to my name for 180 days and thats unacceptable because you guys arent being fair at all this has made me sick as well and I feel that if I dont get my money as soon as possible I might XXXX so this is very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and only have very little money left to serve on I demand you guys let me transfer my money out of my Venmo account immediately and close the account. I have attached several documents that contradicts PayPal and Venmo policy and user agreement you guys let several so called violation transaction go thru for XXXX and never block, hold, or close the account until now why this is unacceptable and I demand my money be released immediately asap..
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how can this be true when there are 23 accounts with inaccurate information reporting? These inaccuracies are grounds for monetary reimbursement as well as removal as they violated my rights under the following : 15 U.S.C. 1681 section 602 A which states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 which states a consumer reporting agency can not furnish an account without my written instructions Also the credit bureaus took longer than 30 days to review and update the information on my report as requested in XX/XX/2022. Here are my certified mail tracking numbers XXXX : XXXX XXXX : XXXX Transunion : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts appearing on my credit report do not belong to me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022, I noticed there was a deragatory item on my credit report from American Honda Finance ( account # XXXX ). I reached out to the company stating my extraordinary life events and that this missed payment is most likely a result from the Information technology of America Honda finance not working efficiency from my attempt to do automatic payments. The company denied my request to remove the item from my credit report ignoring the sensitive situation of me being a XXXX XXXX service member working under stressful situations testing covid samples in dense areas, and that I am in contract to close on a home in a few weeks and this could potentially affect this. 

I have attached the the documents I have sent the company to resolve the issue.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$910.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$15000.00} XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX XXXXBalance Owed : {$1500.00} XXXXXXXX XXXX XXXX8***Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX Balance Owed : {$15000.00}.
Product: Debt collection

Yes I have have file an Identity theft remove in 2018 and this account was removed from my credit report and reappeared yesterday on my credit report. The is item alone took 89 points off my score and I am very upset and willing to do anything to make sure this comes off my credit report. This is not legal if something was removed and then replaced back on my report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My XXXX Store Card Issued By XXXX XXXX Was Covered With Card Security Debt Cancellation. I suffered first from the loss of my own business in XX/XX/XXXX I  then returned to another job part time. Making much less money than before. I struggled to keep up with my payments but continued making them on time. My job eventually led to unemployment through no fault of my own on XX/XX/XXXX. When these events started my account was covered in full by Card Security Debt Cancellation. The written Contract shows that In the event of SELF EMPLOYMENT LOSS. MINIMUM PAYMENT DUE WILL BE MADE WHILE REDUCTION IN HOUR OR LOSS OF SELF EMPLOYMENT CONTINUES UP TO A MAXIMUM OF SIX MONTHS. NEXT EVENT JOB LOSS : After your job loss minimum payment on the first statement after the first day of job loss will be cancelled After 90 days in a row of job loss, you BALANCE IS CANCELLED ( PAID ) will not exceed the amount you owed on the first day of your job loss, up to {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, DISCOVER BANK, XXXX XXXX, yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX XXXX/ XXXX, DISCOVER BANK / XXXX, XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, and a few other hard inquiries are showing up after I reported fraud to my account and identity theft to XXXX XXXX  and XXXX. These should have been removed from my account and I can't dispute them for some odd reason now. I would like this matter taken seriously and handled in a timely manner.
Product: Debt collection

They was running my credit n put so many hard Inquiries on my credit n i been trying to get them off
Product: Checking or savings account

Dear CFPB Representative in Charge, In 2020 my checking and savings account was closed by Chase Bank. I owed no money upon closing of my account. 
I was funded by the XXXX for my XXXX grant through this account and I am now having problems receiving my Targeted Advance and Supplemental Advance. 
This has been an emergency situation and I cant get anyone at Chase to help me. 
Can you help me with this situation. 
I am currently in an active reconsideration for my appeal with the XXXX. They are questioning my appeal because my original bank account was closed before the XXXX could validate me. 

Thank you for any help I could receive. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX ( Account number 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 Section 2 also states a Consumer Reporting Agency can not furnish an account without 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 adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account paid in full as of XX/XX/year> ; XXXX XXXX account paid in full XX/XX/year> ; All 3 bureau 's are refusing to correct my file with the information I sent in which is true and accurate because what they have on file doesn't match. They asked me to send in my government issued ID, a current bill in my name with current address then when I send it they say it doesn't match their records. Identity theft is when someone access your account information and make changes to the record. There have been several breaches in the bureau 's and my file is not mine. Please apply pressure for accuracy and corrective attention be placed. I can not express enough the inconvenience and discomfort this is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for an apartment and was denied due to XXXX charge on XX/XX/2018 disclosed by TransUnion. I have explain to property manager that charge I was found not guilty and it been expunge. She stated if I show her proof of disposition she will over turn the application decision. I contacted XXXX XXXX XXXX XXXX and they have no record of it due to it being expunged. TransUnion should not be disclosing this informaton n its sealed close so I'm not even sure where they got it from. Please help,
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance is a horrible company, I have never been 2 payments delinquent, I had one payment that was late, and even talked to them on the phone about it, but they demolished my credit, they are an absolutely horrible company, with no sense of morality, and they only report your credit when they feel like it, or something goes wrong, until then you're XXXX, and good luck getting them to update it monthly as well. They charge atrocious and outrageous fees at every turn on top of your payments, and don't want you to succeed in paying it off. They target those struggling, or those in desperation, and think that they can't defend themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. When I found out I immediately created accounts with all 3 credit bureaus and freezed my credit. The person that stole my identity was able to easily bypass the username and password on Experian.com by simply creating a new account they had everything they needed ss #, birthday, address, etc. They pulled my credit report and with that information tried to hack my other financial accounts. Why does Experian not have two factor identification? I rest my password and email with experian and the person that stole my information again created a new account and email. Is there no way to stop someone from accessing your credit from these credit bureau agencys?
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove fraudulent items from my credit report. Despite numerous requests and providing ample evidence to support my claims, the fraudulent items persist, causing significant harm to my financial standing and reputation. 

The repeated failure to address my dispute and remove the fraudulent items suggests a systemic issue within your organization, which not only undermines consumer confidence but also violates the Fair Credit Reporting Act. As a result, I have suffered undue stress, financial hardship, and damage to my creditworthiness, all of which could have been avoided with prompt and effective resolution. 

Therefore, I urgently request that you take immediate action to rectify this matter and remove all fraudulent items from my [ credit report/bank statement/financial records ] . Specifically, I request that you : Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar incidents from occurring in the future, including enhancing security protocols and improving the dispute resolution process. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will compel me to escalate my complaint to higher authorities and seek legal remedies to protect my rights under the Fair Credit Reporting Act. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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: Vehicle loan or lease

In XX/XX/year>, I went to Byrider for assistance with getting a vehicle. I was told that I was going to be part.pf.a program to help build my credit while receiving a discounted rate for vehicle maintenance and free oil changes. I didn't realize how exorbitant the interest rate is. Now I'm stuck with a loan that is 200 % more than the value of my car.