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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This is a complaint that this company is in violation of the FCRA. On XX/XX/2023 I made my third attempt at requesting the method of verification from this company, to which each time my request has been ignored and unanswered. This is a clear violation of the timeframe allowed by law. As a result the account in question is inaccurate, incomplete and can not be verified so please delete this item in accordance to 15 USC 1681i ( 5 ) ( A ) ( I ). The account is question is Department of education student loans to which each account reflects 6 late payments 0n 7 accounts.
Product: Credit reporting or other personal consumer reports

I am writing to notify your bureau that I am a victim of a data breach, which has resulted in the unauthorized opening of accounts in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you immediately block and delete the following account from my credit file : XXXX XXXX - XXXX - Opened : XX/XX/2021 - Amount : {$990.00}
Product: Checking or savings account

Wells Fargo allowed XXXX XXXX to take money out of my account several times in over 6 months creating money problems for me. I ask them to give me XXXX to resolve the issues. This lady called me and offered me XXXX dollars and I kept calling her back but she would never call me back so I left her several messages and I told her that XXXX was needed to resolve the issues and so she did what she wanted to do so the issue isn't resolved Kept opening and closing accounts with my information
Product: Credit reporting or other personal consumer reports

Upon reviewing the accounts on my credit report, I noticed multiple unauthorized accounts reporting from a creditor " Dept. of Ed/Aidvantage '' on my credit report without my consent which is required by law and is out of compliance with the law per 15 USC 6802B , 15 USC 6801, 15 USC 1681b ( 2 ), 15 USC 1692 .

I was not given proper " opt out '' disclosures per 15 USC 6802B, they furnished accounts on my credit report without my written or electronic consent per 15 USC 1681b ( 2 ), and I have a right to privacy per 15 USC 6801. I am not denouncing the financial obligation of the accounts, but I am requesting that the accounts be blocked and deleted from my credit reports for privacy reasons and as a result of their failure to be in compliance with the laws of the FCRA. 
In addition to this complaint my family is dramatically affected. This issue causing me XXXX  XXXX  and emotional distress because of my inability to obtain a new home as a result. I am requesting that this situation be rectified.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations..
Product: Debt collection

Date of Identifiable event XX/XX/XXXX - Synchrony Bank of XXXX, FL stated I had a credit card debt of {$12000.00}. I have never done business with that bank ever. I have never received any letters or bills from this bank before. GE Capital owns Synchrony Bank since XXXX. I have never had a credit or and business dealings with GE Capital either. The Loan # listed is 16 digit like a credit card. It does not match any credit cards I have ever had. Synchrony Bank discharged/cancelled the debt of {$12000.00} and sent me a 1099-C form and stated I was personally liable for this debt.
Product: Money transfer, virtual currency, or money service

I was a victim of a scam on XX/XX/XXXX for XXXX dollars. I transferred a deposit to an individual for a couch as the person said they were moving and didn't need it. I never received the couch. I filed a complaint through Zelles website on XX/XX/XXXX after my bank denied the claim and advised that I reach out to Zelle directly. I received an automated response that they take these situations very seriously and found that my account was closed without notice or information on XX/XX/XXXX. I reached out by phone on XX/XX/XXXX. The first representative I spoke with stated that I was a participant to a scam after I repetitively told her what happened. I left the call in tears. I called back and spoke with a wonderful representative who reinstated my account, explained that she could tell that I didn't use my account for any suspicious activity and only send to 2 people. She resubmitted my claim on my behalf to try to assist in return of my funds and stated that this stuff happens and that they may be able to get my money back. I tried to log in again on XX/XX/XXXX to find that my account was closed again without any notice or explanation. I called Zelle again today, XX/XX/XXXX, and was told that they suspected fraud and that they have no protection against the funds and they can't tell why anything was closed and just to get a new phone and a new number. I called again because I was baffled because I was a victim of a scam. The second person I spoke with told me again that they can't see why it was flagged but that it was fraud. I asked if because I filed a claim against the person who scammed me and they closed my account she said, well I never said that but it was closed again and that could be. I asked for a supervisor and she refused to transfer me and said she would have someone call me. This is not the first time I was told someone would contact me and it never happens. I have tried multiple times to get this issue fixed and I'm blown away that I can't get answers on why they are closing my account when I was the victim to a scam. I also can not access any history of what number I sent money to as my account was closed and with it goes all of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous time to have this information remove from my credit report trans union, XXXX, and XXXX have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX XXXX as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I asked about getting a forbearance however when the representative said that after the end of the 3 months I would have to pay all the missed payments if I didn't want it to show on my credit report. I told him that wouldn't help me and that I was going to keep making my payments. He never told me that there was going to be a forbearance note on my credit report. 
Also, I have called 5 times in the past 3 weeks asking to cancel this and they keep saying they are going g to send it but I have not received it. I asked again for them to send a confirmation it was sent and she said she was going to call me back and never did. I have been transferred to other debts that can't help me. I NEED HELP ... they are standing in the way of my mortgage refi that would lower my rate from 4.5 with mtg insurance down to 2.99! The refi company needs the letter ... now.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I was sent a 'welcome ' email from credit.com which also prompted me to set up a new password.

I reached out to credit.com support email with the following message : " I don't know how this account got created, nor did I consent for an account to be created for me and use all the personal information you have about me. '' After several back and forth emails ( currently the chain sits at 23 ) over the course of weeks, credit.com first refused to remove my account, then claimed the account would be removed within XXXX business days, and now refuses to answer the emails I have sent notifying them that I am still getting their spam messages ( and therefore the fraudulent account data still exists within their system ). 

Today I was also notified that a fraudulent checking account at XXXX XXXX had been opened with my name and information attached. I don't know if the fraud maintained at credit.com is associated with this new identity theft, but the refusal of credit.com to remove my information after repeated requests could have led to this disastrous outcome.
Product: Student loan

AES ARE CHARGING ME FOR A LOAN THAT I NEVER RECEIVED, I DID NOT ATTEND COLLEGE OR GET A LOAN IN 2006. I APPLIED BUT NEVER ATTENDED. SOMEONE FORGED MY NAME EVIDENTLY. THEY TOLD ME NOT TO MAKE CONTACT WITH THE SCHOOL. WAS SUPPOSED TO SEND ME A PACKET BUT NEVER DID.I PAID MY 1 AND 2 LOAN OFF AND NOW I HAVE A 3 AND 4 LOAN THAT I NEVER APPLIED FOR.
Product: Credit reporting

Lein has been released back on XX/XX/2015 experian still shows this on my credit report they need to remove this judgement
Product: Credit reporting or other personal consumer reports

For over 12 months, I have been disputing unauthorized accounts and inquiries reported by TransUnion, despite providing substantial documentation of identity theft. I have submitted both police reports and an FTC report, which support my claims of fraud and identify specific inaccuracies on my credit profile. Additionally, other credit bureaus have investigated these items and deleted them from my report after confirming their unauthorized status. 

The disputed entries on my TransUnion report are as follows : Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Actions Taken by Me : Documented Identity Theft : I submitted a police report and an FTC report confirming identity theft, both of which should warrant immediate investigation and appropriate action to rectify these unauthorized entries. 

Submission of Evidence : I provided TransUnion with proof from other credit bureaus that have already removed these entries after completing their own investigations. 

Repeated Disputes : Despite my repeated disputes over the past 12 months, TransUnion has failed to remove these entries or provide sufficient verification of their legitimacy. 

Requested Action : I am formally requesting that TransUnion : Immediately delete the unauthorized accounts and inquiries listed above, in line with the Fair Credit Reporting Acts standards for accuracy. 
Provide detailed documentation used to verify these disputed items if they can not be immediately deleted. 
If these requests are not fulfilled, I will escalate this complaint through additional formal channels, as my rights under the FCRA, FDCPA, and TILA require prompt correction of inaccurate, incomplete, or unverifiable information. 

Thank you for your attention to this matter.
Product: Student loan

My loan switched hands from XXXX to Aidvantage in XX/XX/XXXX. Prior to the switch, I was on an income driven repayment plan of XXXX  XXXX through XXXX, going into repayment on XX/XX/XXXX after the blanket forbearance due to covid and was contracted for XXXX XXXX through XX/XX/XXXX with XXXX This information was somehow lost between the companies during the transition. I have contacted Aidvantage multiple times since XX/XX/XXXX, when the transition between servicers finalized and I received a monthly bill including a late fee for what was supposed to be a {$0.00} payment. I have called MANY times, sometimes being hung up on, being told to just keep calling back, being argued with, told that the change back to the {$0.00} payment plan would be very easy to accomplish, being asked to recertify against the contracted XXXX  XXXX payment, and then being told that the supervisor was refusing to talk to me and that the customer service representative was told to simply de-escalate me because " nothing could be done ''. I am simply asking that they locate the information provided to them from XXXX and get me back on the XXXX XXXX payment I was contracted to with XXXX. 

Attached are the last bill from XXXX with a due date of XX/XX/XXXX showing {$0.00} due and the bill from Aidvantage with a statement date of XX/XX/XXXX, TWO DAYS LATER, showing a balance of {$930.00}, including a late fee for what is supposed to be a {$0.00} payment.
Product: Credit reporting or other personal consumer reports

I am not liable for the de

bt with XXXX XXXX. I no longer have a contact with XXXX XXXX. This is a violation of my privacy and tarnishing my reputation - 5 U.S.C 1681 SECTION 602 A. States I have 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 co
nsent. 

This was also reported to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple phone calls and written attempts to contest hard inquiries, the following inquires remain and/or ( keep reappearing ) on my credit report and it has been more than 60 days. The following inquires have been made fraudulently and against my authorization. Please delete them immediately. Ive attached my XXXX and a utility bill as proof of my identity. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I was charged by Experian for services I NEVER ordered. I have complained directly to them, and received no reply. I was charged {$1.00} on XX/XX/2020, and again for {$26.00} on XX/XX/2020. This appears to be some kind of " subscription '' service. I never ordered any such service.
Product: Debt collection

I contested a claim by the collection agency Hunter warfield inc. in violation FCRA that requires information accuracy in reporting and they have not disclose the process taken to meet that requirement
Product: Credit reporting or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNATHORIZED INQUIRY ON CONSUMER REPORT I am writing to dispute unauthorized hard inquiries on my credit report from your agency and formally request that these inaccurate items be removed immediately. Per my rights under the ( FCRA fair credit reporting act ). 

Specifically I did not authorize the following INQUIRIES TO BE MADE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, Credit inquiries from companies that I did not grant permission to are inaccurate items and must be removed from my credit report. These unauthorized hard inquiries are a violation of the fair debt collection practices act ( FDCPA ) as well. I am enclosing supporting documentation highlighting inquiries I am formally disputing. A copy of my state ID is also included to verify my identity. I demand that your agency investigate these unauthorized hard inquiries and remove them permanently from my credit report as mandated by the FCRA, failure to do so may result in me filing another complaint with the CFPB. Delete this unconfirmed inquiries lacking certifiable evidence unless physically certified or verified proof is demonstrated per U.S Code 15. U.S.C 1681 ET SEQ. Section 604 of the FCRA ( Fair credit reporting ACT. By willfully violating the FCRA I am willing to settle your civil liability damages. I have suffered because of your violations for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( b ) [ 15 U.S. Code 1681n } should you fail or refuse to settle the demand I will seek actual damages which are greater than {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I was out side of US in 2012 XXXX XXXX and XXXX and my account was lock down and could not able to unlock the account so i missed the three payment. however when i came to back to country i paid the bills and close the account but those missing payment still showing on my credit report and because of this my credit score is low even if i am paying home loan car loan electricity bill on time. 


Thanks XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Opened a GM credit card account prior to XX/XX/XXXX. At some point, the card management was taken over by Capital One. Have been paying down the balance since that time and in XX/XX/XXXX closed the account as I opted out of the change in terms related to interest rate. The account was paid in full on XX/XX/XXXX in the amount of XXXX. The card was paid off as Capital One changed the on-line payment methods and I was not able to use on-line account management due to these changes and Capital One refused to work with me to give me on-line access to my account, so I found a way to pay it off in full. They are now trying to charge me residual interest on {$4.00}. I tried to dispute this charge until Capital One could send me a copy of my original terms for this card, at the time I opted out of any changes to my account, but they refused to allow me to dispute the charge. 
No only do I believe they should credit my account in full for the {$4.00} charge, but should also allow me to dispute this charge so that am not charged any penalty, etc., until resolved. Capital One is completely unwilling to work with customers to resolve any issues. I never asked for this account to be managed by Capital One. I have no other accounts with them due to the unethical behavior. Just the fact that they respond does not mean the issue has been resolved. Your assistance in having my account credited in full for the {$4.00} charges would be sincerely appreciated.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX have all violated 15-USC - 1682. They do not and have never had my written consent to place these items on my report. In fact the only true credit reporting agency is the cfpb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXX, DEPT OF ED / XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I still have alot of inaccurate information on my credit file! From my understanding by law you need to provide me proof I was late and you should only report accurate information. i need to have this stuff removed. How am I suppose to buy a new home. Its close to election season and I am not voting for a president if these items aren't removed. I am suppose to be an free American with consumer rights and I want to be treated as such! Delete this negative stuff or I will take legal action.