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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$5700.00} XXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2800.00} DP OF EDUC XXXX Balance Owed : {$6200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Synchrony Bank Home just shut down my credit card with no notice!! I have always paid on time with all of my bills but last XX/XX/XXXX I had to have an XXXX XXXX XXXX which cost me $ 5K and put me behind on everything as I am a twice widowed mother living on one income and have no savings as inflation has doubled my utilities and gas expense as I drive two hours round trip daily to work and home!! They took two {$160.00} pmts just a month ago now say I am two payments behind! I get no statements by mail or online or bill reminders! I work for me the Dept of Employment IDES in XXXX IL so they know they will get their money they are just working with all the other sleazy high interest loan companies and credit grantors like XXXX who did the same to me and XXXX XXXX to ruin my credit score so I will fall further into poverty and always have to borrow at subprime rates!!! They have been doing this since XXXX! Enforce the laws on them, shut them down and shut down the credit scoring and reporting system completely! They get mad if an emergency happens one time then try to get revenge!!! I want this card reopened and corrected and I want all of my reports corrected and copies of them mailed to me and I also want mailed statements monthly and payment reminders emailed to me!!! I am contacting Bidens office about this too it is time for a change in the financial industry!!!
Product: Debt collection

ARS collection agency, has been notified by XXXX XXXXXXXX that the charges {$160.00} on XXXX occasions were processed and paid through XXXX. XXXX continues to try and collect and refuses to remove debt from credit report after letter of eligibility has been sent numerous times and told can not collect on debt that is unlawfully.
Product: Credit card or prepaid card

On XX/XX/2023 a charge for {$43.00} for XXXX XXXX XXXX was deducted from my account. 
XXXX noted as : other. In XXXX XXXX Nevada. I'm not sure how this happened, as I do not watch XXXX.
Product: Credit card

A XXXX XXXX XXXX XXXX XXXX, and a XXXX XXXX card were all open under my name on XXXX, XXXX, and XX/XX/2023 respectively. None were by my consent or known by me. I have called all the companies except for XXXX since this just happened but plan on calling XXXX on Monday. It has affected my credit score and money was taken out of those cards.
Product: Credit card or prepaid card

I received a letter from US Bank dated XX/XX/2021 stating, " We regret that we are unable to establish an account for you at this time because we are unable to verify identification information on the application ''. I did not apply for a credit card from US Bank ( XXXX ) and I tried to call the phone number on the letter ( XXXX ) to inform them and get more information but I was on hold 30 minutes and no one answered my call. I called several times Monday XX/XX/XXXX and Tuesday XX/XX/XXXX with no luck. The REF # on the letter is : XXXX. It stated the creditor and issuer of this card is U.S. Bank National Association.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX 12 months ago and handled this obligation without any problems. It was reported as been handled Exemplarily. 

However, after it was paid off, I opened another account under the same terms and conditions. 

Then Equifax reported the account closed and it was removed from my credit report, which is contrary to the XXXX XXXX advertisements. An account handled in accordance with the contract was to be closed and stay on the credit report to help improve your credit score by recognizing that you paid off the contract in full and on time. 

Either Equifax or XXXX XXXX has made a mistake, and I cant get an answer. 

Could you intercede and help this issue to be resolved??? 

Thanks, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

dispute submitted thru cfpb and was sent to the company. they refused to reinvestigate the dispute unless additional documentation is provided. however I did provide an abundance of additional documentation and they still refused to reinvestigate this dispute and state they will NOT reinvestigate any disputes about this again. this is clearly a violation of my rights under the FCRA and I am now requesting the agencies method of verification in addition to the 3rd party vendor they use XXXX XXXX
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/2020 Balance {$1300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$38000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$7900.00}.
Product: Credit card

I attempted on several occasions to obtain assistance with the late fees on my account which were incurred while I was in the hospital from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX with Target Card Services DBA TD BANK. I have spoken to the following agents : XXXX, XXXX, XXXX. Supervisors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
I have never been late on this acct since I opened this acct until I landed in the hospital. I requested only XXXX Late fees to be waived of {$38.00} and {$36.00} and they refused as I was more than 30 days late.. I have never had this issue with none of my other credit card accts until this one. They are extremely rude, unprofessional and have on several occasions violated UDAAP. This is not a professional way to be running a bank in this capacity. They refuse to allow me to speak to anyone in charge above their phone supervisors.. I have offered to fax my hospital paperwork verifying this to be true. and the bank refused to remove my late fees and review my documentation. have other accounts with other banks and never had this issue before and this is quite disturbing. Not to mention these agents have committed many UDAAP. This is something that needs to be seriously investigated as they do not think they have to follow any laws as nothing applies to them except their made up policies which they said they can change at anytime with no notification to the customer. I completely disgusted with this organization. I would not call them a bank after they treat their customers the way they have.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and wrote a few times to dispute the accounts that aren't mine. XXXX, XXXX and Experian has ruined my ability to establish credit due to their data breach issues. I am being denied credit eur to this and they have failed again with their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. In accordance with the Fair Credit Act, I need the following accounts removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$0.00}. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file.
Product: Debt collection

I've tried to contact this collection multiple to let them know that I do not owe this debt to them or the original creditor. This collection company is illegally reporting this to the credit bureaus. I was never notified about this or have a contract with this collection company.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN PRODUCING COMPLAINTS FILED AND POSSIBLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY IDENTITY ALONG WITH MY SOCIAL SECURITY CARD AND PHOTO ID THE OPEN A MORGAGE, UTILITY, CREDIT CARD AND BANK ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCMENT AGENCIES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XXXX, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Student loan

I have a loan through XXXX XXXX which is now being handled by Navient. I was on a payment plan for a while, but then they said that I could no longer be on that plan. I have talked to several representatives, and always get a different answer. Currently, I am experiencing some financial hardship and can not pay the amount that they have billed me for. I have asked about setting up a plan that would be conducive to my current situation. I have been told that is n't an option, and now they are harassing not only me and my Grandfather ( who is my cosigner ) but other family members and friends as well. We have let them know that my Grandfather is retired and does n't have the income coming in to be able to help. Therefore, I have to handle the balance on my own. They call my Grandfather almost everyday and have resorted to now calling some of his friends from Church.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A charge offs being listed on my on my credit report. 
1. XXXX XXXX XXXX XXXX charge off. 
2. XXXX XXXX XXXX XXXX XXXX XXXX charge off. 
3. XXXX XXXX  listed as XXXX charge off. 

Pursuant to F.R.C.A 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) Charge-offs are considered as income and I have not received a 1099c for these listed amounts, therefore these accounts are inaccurate.
Product: Debt collection

On XX/XX/, I was at an XXXX XXXX XXXX store to transfer my business plan from XXXX to XXXX XXXX XXXX XXXX but during the transfer process they started, I was informed that it would not be possible to continue because the system denied it, However, they had already transferred one of the lines and charged my credit card for the taxes, They told me that this device would have to leave the old one and pick up the new one, but by canceling the operation would no longer be necessary. Almost 1 month later they refunded the fees to my credit card, been receiving charges as if I had picked up a cell phone, in this case a XXXX XXXX XXXX XXXX XXXX, something that never happened, ever, I purchased no device from this operator or store. I've called customer service several times, I've been to the store and spoken to the store manager ( XXXX ) several times to have this resolved and I heard that everything was fine but in reality it wasn't. Is it fair to pay for something you never even bought and didn't acquire? I even have conversations informing and requesting solutions from the store manager via XXXX
Product: Credit card or prepaid card

On XX/XX/19 I stayed at the XXXX XXXX  n XXXX. They placed a XXXX pending charge. This charge has now been pending for 14 days with XXXX telling me they released it on XX/XX/19 and my credit card company, Goldman Sachs ( Apple Card ), still shows the charge as pending. All they have told me is there is nothing they can do. They even said charges should be returned within 5-7 business days, but when asked why this has exceeded that, Goldman Sachs only said to keep waiting. I have asked multiple times about a policy in place that prevents merchants from holding on to pending funds in perpetuity, only to be ignored on the several times I have asked that question. I feel like this is a very foreseeable issue that a credit card company would face and am deeply concerned that a policy does not exist to allow for consumer recourse on this issue. I have reached out to them multiple times and have been stonewalled each time and told to keep waiting, but they wont tell me for how long. This is not right that Apple and Goldman Sachs are letting my funds sit with an outside company with no way to dispute this.
Product: Mortgage

I always make my payments before they're due. On XX/XX/2020, I made my mortgage payment {$2500.00}. I did not find out until XX/XX/2020, they put my XXXX payment all to principal. Since XX/XX/2020, I have had to call every month, because XXXX told me I never made a payment. The incompetent customer service representatives did not figure out the issue until XXXX of this year. They have charged me late fees every month, and continue to tell me I didn't make a payment each month. They're going to ruin my credit due to their own mistake. I have called at least 5 times, for them to fix the problem. Each time I have called, they have refused to fix the problem that they created.
Product: Checking or savings account

A scammer got into my account by phishing for information from me by pretending to be a USAA employee. When they gained access to my account they added their checking account to my bank and transferred money into my account then transfered {$5000.00} out of my checking account. They did this by doing 12 transfered of XXXX and 1 transfer of XXXX. Each trasfer had a different amount in XXXX  so they weren't all exactly the same. The next day I looked at my account I found the issue ( not my bank ) and I reported it immediately. This happened XX/XX/year>2024. When I reported it my account was frozen immediately and told the money would be returned within a few days. After 1 week I started calling regularly. Each time I recieved a different employee who had no idea what was going on with my account. After 3 weeks of that I started to request to speak to a supervisor, that didn't help either. After 5 weeks I finally got someone who said XX/XX/XXXX it was determined that I would not be getting funds returned. The bank never notified me as to what was going on throughout this entire time and there was nothing sent to me saying I was not recieveing my funds when the decision was made. For 3 weeks I thought I was getting my money back after it was decided I wasn't.