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

Hello, I XXXX XXXX, am filing this dispute for my self. After reviewing my credit report I am aware that my consumer rights have been violated. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX-account # XXXX and XXXX XXXX XXXX account XXXX XXXX XXXX According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent.
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 590. 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 XXXXThis 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

In XXXX of XXXX  I went for pickup of the Ford XXXX i ordered through Ford a year prior. Upon pickup there was an additional mandatory fee added on to the transaction for {$3500.00} of mandatory aftermarket fees that could not be removed to complete the transaction. 

On XX/XX/XXXX, it was confirmed via email communication with XXXX XXXX that XXXX Ford XXXX XXXX management had approved the refund of the contested mandatory aftermarket fees and that Ford Credit would be paid directly for the refund. 

As of XX/XX/XXXX, the fees had not been refunded and I attempted to reach out on several occasions via writing to escalate for resolution ( attached ). No response was received and i filed a Consumer Financial Protection Bureau claim with FORD CREDIT initially to assist in driving resolution. 

Upon their response received in XX/XX/XXXXXXXX  ( attached ), they shared I would have to re-engage and file a complaint with Ford XXXX XXXX directly as they drove the man tardy fee and completion of the original transaction.
Product: Debt collection

On XXXX XXXX I checked my credit with XXXX, XXXX and XXXX and collection company placed a collection on Medical Billing in which my XXXX XXXX covers my health insurance. 

I am Retired, XXXX Lifetime and XXXX XXXX Honorable Military Veteran. 
I am on a fixed XXXX Retirement income and can not be paying debts that I don't owed. 
My Health insurance should pay the {$450.00} debt on Medical billing. 

I wasn't notified of any debt.
Product: Money transfer, virtual currency, or money service

I received XXXX $ from XXXX XXXX company that was deposited to my cash app XX/XX/2023. Approximately XXXX XX/XX/2023 I was XXXX  for failure to appear. ( XXXX later I was XXXX  XX/XX/2023 ) My account was scammed XXXX cents at a time From XXXX via cash app. 
Ive filled a complaint XX/XX/2023 waited 90days still no refund no response. Cash app restricted my account.
Product: Vehicle loan or lease

I commenced an auto loan for the purchase of a 2008 XXXX XXXX in XXXX, XXXX. Per the terms of the contract, the loan was to be paid in full after 42 monthly payments, of which, the first was paid on XX/XX/XXXX. The maturity date for the auto loan was XX/XX/XXXX. Due to hardship, I fell behind on my payments and was rolling a 1x30 late. I was contacted by a representative of Prime Acceptance on XX/XX/XXXX, who advised they were willing to modify my loan. This took my monthly payment from $ XXXX/month to $ XXXX/month. The loan term would remain the same so to make this happen, Prime Acceptance promised to perform a principal balance reduction so that my loan would be paid in full as of the same date as the initial contract. When I contacted Prime Acceptance in XXXX, XXXX for payoff details, i was informed of an over {$8000.00} principal balance and that my loan would not be paid in full by XXXX if I continued to make my currently payments. When I questioned the terms of the modification, I was advised that the modification did not take place as explained to me. Currently, I have had my vehicle repossessed, which I reinstated the loan on, but I will never get the value back out of my car, and if I had known that I would in a sense, never get through paying for this car even after having paid {$19000.00}, I would have made different choices. I have looked through all my documentation and they never even disclosed to me when this loan would be paid in full post-modification. I feel that I am a victim of predatory lending and need help.
Product: Debt collection

Aargon continues to report a debt that I informed them that was not my account. They requested a police report that was filed and submitted to them on two occasion via fax as they requested and they continue to claim they have not received the fax. 

I'm attaching the police report for your office to forward to them. Failure to remove immediately I will file a lawsuit for providing false information on my credit report
Product: Debt collection

I received a letter from Wakefield and Associates LLC on XX/XX/XXXX identifying themselves as a collections agency and stating I owed a balance of {$10000.00}. I sent them a certified letter on XX/XX/XXXX asking to identify the original creditor and a copy of the original written agreement that stated this balance was owed by me. I received on XX/XX/XXXX 15 pages, including an " Account Detail '' that only listed dates and balance owed and all these service dates were listed XXXX XXXX as the original creditor. The rest of the pages each listed all of my personal information such as name, date of XXXX, social security number, address, phone number, and place of employment along with a " date of service '' and again a balance due. I did not receive any copy of the agreement with Wakefield and Associates nor XXXX XXXX in this package. I then sent out another certified letter to Wakefield and Associates on XX/XX/XXXX, once again asking for any copy of the agreement with either their collection agency or XXXX XXXX a breakdown of supposed medical charges and collections costs, as well as a copy of my signature with said provider to release my medical information to Wakefield and Associated. It has been well over 30 days and I have yet to receive any of this information or any communications from Wakefield and Associates LLC since sending out this letter.
Product: Credit reporting or other personal consumer reports

I received a notification that a company had reported a new credit card on my report. I do not have a credit card with this company. When I contacted them they just told me to dispute it because it's probably just an error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account XXXX XXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account XXXX XXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX  Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namDEPTEDXXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX Account namXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I received an alert on my XXXX credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX  I went to the police station and reported my identity stolen.
Product: Debt collection

This debt keep popping up under different collection agency. I disputed before because they failed to marked this as disputed debt in my credit report and that is the violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX and XXXX report are showing an American Express account number XXXX shows a 30 day late payment from XX/XX/2017. This is a mistake as I have documentation from American Express showing this late payment has been corrected and REMOVED. 
I am attaching my XXXX and experian report and letter from American Express.
Product: Money transfer, virtual currency, or money service

I have been attempting to close my account with Plastiq ( XXXX XXXX XXXX ) since XX/XX/XXXX. They refuse to close my account, which contains sensitive information like bank and credit card information. They also are spamming me with multiple emails every business day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in IdentityIQ. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that credit reporting agencies still indicate my dispute of information in my credit report. Asof todays date, 3 credit bureaus have not responded to my dispute. According to the Fair CreditReporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check thepayment history, date open, last activity, and Status of the listed accounts which I believe were reportedin error. 
XXXXXXXX XXXX XXXX XXXX  Balance : {$260.00} ; XXXX XXXX XXXX  Balance : {$280.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX XXXXXXXX : {$3700.00} ; XXXX/DEPT OF ED XXXXXXXX XXXX  Balance : {$6900.00}
Product: Credit reporting or other personal consumer reports

This CFPB report has been filled in pursuit of FCRA 605b 15us code 1681 c-2 that you TransUnion block all fraudulent and inaccurate account information that appears on my consumers credit report within four days of you receiving this complaint the fraudulent accounts consist of one personal credit card at XXXX XXXXXXXX opened XX/XX/XXXX account number XXXX XXXX a personal loan from XXXX opened XX/XX/XXXX account number XXXX XXXX a credit card at XXXXXXXX XXXX opened XX/XX/XXXX account number XXXX XXXX I have a ftc report case number XXXX
Product: Student loan

My initial loan with Navient which at the time was Sallie Mae began XX/XX/XXXX. The loan was for {$6300.00}. I did not begin the process of payment until XX/XX/XXXX. My payment was {$64.00} per month. Now as of XX/XX/XXXX my payoff is {$8200.00}. My payment is {$110.00} per month. My interest now stands at 11.625 %. In XX/XX/XXXX my payment was {$110.00} and continues to increase every 3 to 4 months. There were some deferments but I have made on time payments every month since XX/XX/XXXX. I spoke to a Navient person directly and she told me that approximately {$33.00} per month is coming off my balance and the rest is going for interest. I reviewed my records and the tax form that Navient provided on interest paid for XX/XX/XXXX is {$1300.00}. My payment records show that I only paid Navient {$1300.00} for the year of XX/XX/XXXX. I also tried to remove a cosigner from the loan. It states on their website that you have to make 12 on time payments to allow a cosigner to be removed. I was told that I was very delinquent on my account and could not remove the cosigner but my cosigner was never contacted about my delinquency. As I stated earlier I have not missed a payment since XX/XX/XXXX. I am now XXXX and no longer able to work and this loan places a financial strain on my family. What makes the situation worse is that none of my payments are bringing down the balance of the loan. In fact the balance is almost {$2000.00} more than when I began repayment. Thank you in advance for any assistance you can provide.
Product: Credit reporting or other personal consumer reports

Dear LexisNexis Risk Solutions Consumer Center Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to see if anyone can help me I have been down this dispute road since XX/XX/2020 and I am still writing letters calling trying to get some assistance regarding the accounts that are appearing on my report that do not belong to me at all. No one is helping out There are 8 accounts and I have not applied used or signed for any of these I have no idea how they are appearing on my credit and why I have to fight for this. 

XXXX  XXXX XXXX Acct # XXXXAmt {$11000.00} XXXX  XXXX XXXX Acct # XXXX {$2700.00} XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX {$5800.00} XXXX  XXXX  - Acct # XXXX {$3900.00} XXXX XXXX- Acct # XXXX {$2200.00} XXXX XXXX- Acct # XXXX {$2400.00} XXXX XXXX- Acct # XXXX {$5200.00} XXXX XXXX XXXX XXXX - Acct XXXX XXXX {$13000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. EXPERIAN REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. THIS INFORMATION DOES NOT BELONG TO ME.
Product: Student loan

On XX/XX/year> I submitted a School Misconduct Discharge application for the XXXX XXXX. I received notice on XX/XX/year> that my application was denied. However, I have federal loans for the XXXX XXXX that were discharged for misconduct. I don't understand how Navient made the decision that I do not meet the requirements for school misconduct discharge, while the Department of Education made the determination that misconduct occurred and wiped out my federal loans for the XXXX XXXX. In my application, I experienced the same misconduct that the Department of Education discovered, as outlined in the discharge approval letter.
Product: Checking or savings account

i contacted Optum bank on numerous times to have my account unlocked so that i can gain access to my medical information. 

they have refused. i call them, get a run around. was told that there would be a waiting period to see if access would be allowed. 

XXXX XXXX XXXX owns that portion of the bank. they are liers and holding my medical account hostage and will not let me in. i filed numerous XXXX  complaints, get a run around and told to wait. this is going on for over a year now. and im done with this drama.

what gives them the right to hold my medical information hostage when i no longer have accounts with that bank. PERIOD. i wanted access to my medical infomation, and they simply wont allow me into my account. who the XXXX acts like this? JUST GIVE ME ACCESS TO MY ACCOUNT PEOPLE. stop holding someones account hostage that DOES NOT BELONG TO YOU. thats my information not yours
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has several accounts misreported on my file. When I initially asked to investigate they did sobut improperly. They have contined to keep false and inaccurate information on my file. This has cost me greatly negatively. I requested yet again they invetigate. I was told no because they already did so. There are addresses that are not mine and never should have been indicative as such. They have incorrect spellings of my name on file as alias. This is gravely inaccuarate. Most recently my credit file reports no freeze or hold. They a have denied once again. Yet, wqs just advised by a mortgage company they couldn't pull my file due to an Experian freeze. The backlash of the false data and misrepresentation never ends!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and reached out to each credit bureau ( Trans Union ) ( XXXX ) to be provided no assistance with my issue. I do not and continue not to recognize inquiries on my credit report as I previously explained to the representatives on at least 8 occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$0.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I often monitor my credit report and noticed today that there are 2 inquiries on my credit report that I did not initiate so I called both credit card companies one is investigating and the other I am on the phone to make them aware that this is fraudulent activity.