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

XX/XX/XXXX Experian received and signed for my certified information which included a copy of my GA state DLs showing my DOB. For the past 4 months Ive been declined for products and services with the reason unverifiable this is due to Experian only having my year of birth ( XXXX ) showing on my consumer report. This has caused not only embarrassment but monetary losses as well with financial institutions not located in my area. Flight fees to have to go verify my identity. It is against the law to provide incorrect and/or incomplete information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank is not only at a zero but it's several years past the statute of limitations to be collectable as we live in North Carolina. The reporting on this should have stopped years ago as the debt is no collectable and no payment was due.
Product: Credit card

On XX/XX/XXXX, I received an email from indicating that an order had been placed. That day, I called QVC to indicate that this was a fraudulent purchase. I was advised that a QVC Card was issued from Synchrony Bank. QVC stated they would cancel the order and that I needed to call Synchrony Bank to close the account. I immediately called Synchrony Bank and closed the account and they opened a fraud investigation. They also notified the credit bureaus. ( I also called the credit bureaus and froze my credit ). 


On XX/XX/XXXX, I received a statement from QVC for the fraudulent purchase. They closed the original account and reopened a new account with a balance. I called again to close the account with QVC and explained that it was fraud. On XX/XX/XXXX, I received another email stating that my new card was on its way. Again I called and explained it was fraud. On XX/XX/XXXX, I received another email that a new card was on its way. Again they closed and reopened an account, stating that I was response for the fraudulent purchase. 

There was back and forth whether this was a fraudulent account. I had to supply additional information, police report, attestation, etc. This time their Fraud Department concluded it was fraudulent. 

I received piece of mail from Synchrony Bank in XXXX, stating that this was a fraudulent account and I was not responsible for the charges. 

XX/XX/XXXX I received a collections call from Synchrony Bank for the fraudulent transaction. Again I called and explained the situation. They referred me back to the fraud department. 

XX/XX/XXXX I received a collections call from Synchrony Bank for the fraudulent transaction. Again I called and explained the situation. They referred me back to the fraud department. 

XX/XX/XXXX received a letter that this was. fraudulent transaction and that I was not responsible for the charges. 

On XX/XX/XXXX, I received an email from XXXX, a collection agency hired by QVC Inc. for the fraudulent transactions. 

On XX/XX/XXXX, Synchrony Bank said that I should disregard the collections notices. 

I haven't been able to get this resolved and it has been very difficult to " trust '' what Synchrony Bank says as they do not follow through on what they say. They closed the account, but reopened a new one. They say I am not responsible for the changes, but try to collect. 

Please help this nightmare go away.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The amount of the debt this company claims I owe has been changing every quarter. The details for the debt says that it was created in XXXX of XXXX but previous to XXXX, it said XXXX of XXXX. I have tried contacting them years ago to verify the source but they were unable to give me any details. I am not even sure if this is supposed to be mine because I've had medical insurance for many years and my company has no record of any attempt to charge my insurance. Regardless, they have been resetting the clock every quarter and refuse to discuss any details so I've given up on that but now they continuously reset the debt and therefore the clock.
Product: Debt collection

THE THOMAS AGENCY INC XXXX XXXX XXXX JUST XXXX XXXX, 2015 {$470.00} {$470.00} XXXX XXXX XXXX XXXX XXXX, ME XXXX.They have file this again after they had agree not to put it on my credit report after I had file a report with you.
Product: Credit card

In XXXX 2016 I called Barclays to say I might need to dispute a charge on my Barclay Arrival credit card made by XXXX XXXX on XXXX/XXXX/16 because they were refusing to allow me to rebook a flight which they had agreed to let me reschedule for medical reasons. I told them If I were unable to resolve the matter I would file a dispute on my return. On XXXX XXXX I called to open the dispute and gave them all the information they requested. On XXXX they attempted to call me for additional information and when I did not answer they sent me a letter dated XXXX closing the dispute. I called again and spent an hour on the phone with XXXX going through the story in detail, and then on XXXX faxed them a written version. On XXXX XXXX as I was travelling again they sent another letter saying they were closing the dispute. When I called them upon returning from travel they said that it was too late to take any action on the account at that point. To my knowledge they never attempted to contact XXXX XXXX to resolve the issue. When I spoke with someone at the general customer service department she said they had received both my faxes and she did not see any reason for them to have closed the dispute since I had made timely responses, but that they are under great pressure to resolve disputes within 3 months so they close them automatically three months after the charge date, regardless of whether they have really been resolved in order to avoid being penalized.
Product: Student loan

I have attempted to resolve an ongoing issue that has been, and continues to be, problematic to my financial security. It came to my attention in XXXX that numerous, 23 to be exact, of the payments that were made to this account were denied as eligible payments towards the Public Service Loan Forgiveness Program ( PSLF ). The payments that were denied, range from XXXX to XXXX with the reason of denial being that the Payment Was Received Outside of Payment Period Window. All of these payments were not made outside of the payment period window and should be counted towards the PSLF eligible payments. I have contacted FedLoan by phone ( XXXX ) numerous times since XXXX in reference to this issue and spent an inordinate amount of time without any resolution to the situation. The amount of time it takes to reach a customer service representative makes this issue very difficult to resolve and is unacceptable. The phone contact with Fedloan that was made on XX/XX/XXXX squandered two ( 2 ) hours of valuable time before a representative could be reached, which frankly, should be an embarrassment to the Fedloan agency. I am currently in the process of obtaining a mortgage, which this issue is hindering, and attempted to resolve the issue through phone contact yesterday and spoke with a representative by the name of XXXX ( Employee ID XXXX ) who advised me that the government will accept the payments, XXXX through XXXX, as eligible payments towards PSLF. It was advised that a time of when this will happen could not be provided but that the loans should be forgiven after six ( 6 ) more payment periods. When asked if something could be provided that explains this could be obtained to provide to my lender for mortgage approval, it was advised that nothing could be provided. According to the FedLoan website, the Expected Forgiveness Eligibility date is XX/XX/XXXX, which is not accurate due to the fact that payments have been made towards these loans since XXXX. Phone contact has proven to be of no assistance in this matter and a letter requesting a resolution was recently mailed in hopes of avoiding legal fees, in an attempt to resolve this situation, and to request that documentation be provided in a timely manner with an accurate expected forgiveness eligibility date of XX/XX/XXXX and no response was received. This issue needs to be resolved as soon as possible and FedLoan appears to be indifferent and has offered no assistance in resolving the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } XXXX XXXX { Credit Bureau XXXX XXXX XXXX XXXX XXXX Credit Bureaus : ALL XXXX } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Mortgage

Hi.begining XX/XX/2019 i applied for first time home buyer and I did choose Bank of America because of her special, low down payment government grant plus plus, ok so far so good.first home I found took one month to decide either the bank will approve the loan or not finally the answer is NO the reason is HOA insurance policy ok I have to look for another home, on more month I found another home ok I applied for it same bank same loan officer. After on more month nothing worked out denied again HOA policy against the bank rules, ok the lender told me, you have to look for third unit yes  third, and this time it s gon na be faster and easier, well I dont have choice, by the way those searches for home cost me {$6000.00} and 6 months, so the third home as of today XX/XX/2019 still not have final decision I dont have place I m staying in hotel very expensive and the worst thing is the bank of America switch their initial offer from conventional loan to an FHA loan on the top of that I LOST all special yes, all help for first time buyer, government grant, and I have to pay mortgage insurance totally unfair after 6month you loose your time your money and all the grants from the government,,, please need help l have other infos and proof that my application was full of wrongdoing
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax incorrectly lists an account closed ( circa 2007 ) as active ( XXXX XXXX ). 

When I followed its instructions to dispute incorrect information, the site tells me : " Service temporarily unavailable The service youre requesting is unavailable due to system maintenance. We apologize for any inconvenience. Well be back up and running as soon as possible. In the meantime, you may submit your request by mail along with any supporting documents to XXXX XXXX XXXX, XXXX, GA XXXX. You may also call XXXX including to request a copy of the results of any completed credit file dispute. 

Thank you for your patience! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has confirmed in the last 60 days that all of my loans are issued by them. Navient has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me. XXXX has already deleted all their accounts and updated only XXXX XXXX XXXX loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is XXXX XXXX XXXX. Thank you!! My name is XXXX XXXX XXXX, My balance with XXXX XXXX XXXX is approximately {$21000.00}, Navient continues to report {$40.00}, XXXX and duplicate same information coming from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised that you all can help me with items on my credit that are not mine. I have tried all I know to handle this and this is my last result. I contacted the FTC and my local police department regarding these items : XXXX XXXX ( Transunion and XXXX  ), XXXX XXXX ( XXXX, XXXX and Transunion ), XXXX ( XXXX and Transunion ), XXXX XXXX ( XXXX, XXXX  and Transunion ), XXXX ( XXXX  and Transunion ), XXXX XXXX ( XXXX, XXXX  and Transunion ), XXXX  ( XXXX, XXXX  and Transunion ), XXXX XXXX XXXX ( XXXX, XXXX and Transunion ), XXXX ( XXXX  and Transunion ), Bankruptcy : Voluntary CH-XXXX ( XXXX, XXXX  and Transunion ).
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have filed many disputes with both XXXX and Transunion and they both have said they have verified my dispute with my bankruptcy. They have not sent any proof to me bearing my signature and stating they have verified it. By law they have to remove it from my credit report if they ca n't provide proof with my signature on it
Product: Student loan

I attend college and I am a 100 % XXXX Veteran, I am reporting on apparent discrimination, in XXXX I was informed that XXXX of my student loans were XXXX and I was no longer eligible for Federal student aid as there is a code in the XXXX XXXX barring me. I was no longer able to attend college for cost reasons and I had to pay back the remaining balance on my account. After contacting the Dept. of Education, I learned that a company called Nelnet was responsible for blocking me from student aid. I contacted them in Spring XXXX and they stated that I could just have the other XXXX forgiven if I submitted paperwork. In XX/XX/XXXX I contacted the company again as I was still being billed for the XXXX remaining debt, they stated it was not going to be forgiven, and that is when I notified them it was discrimination to bar me from a student loan based on my XXXX status, they then offered to opt me out of their discrimination program. They read me a statement about opting out and asked for my verbal consent, I agreed so I could return to college. In XX/XX/XXXX, I returned to college and found out that I was still barred on the XXXX from receiving federal aid based on my status as being a 100 % XXXX veteran, I contacted nelnet again and they said that I am still barred from federal student aid for being XXXX, and they never opted me out, I requested to opted out again and they will send me paperwork, maybe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending letters to the credit bureaus and they have not responded, I have incorrect accounts and unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I have attached identification report these collections are not mine incorrect address, and incorrect information
Product: Checking or savings account

3 times now someone has opened up a Bank of America account in my name. I went to Bank of America in person to close the accounts in person. I worked with their fraud department. I filed a police report. I froze my credit. I froze with XXXX XXXX. I filed a report with IRS.gov. I changed all my passwords and have extra monitoring that I pay for with XXXX on all my identifications ( ss #, drivers license, birthdate, phone number, emails, passport, etc ). This wont stop happening. This is a failure on the part of Bank of America. I have never had a Bank of America account. Nor have I ever experienced any other type of fraud. This is a failure of security by Bank of America.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute certain information in my credit file with your bureau. Upon review of my credit report, I believe that there has been a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, in relation to the furnishing and obtaining of my personal information. 
To be clear, I have never provided written consent to any party to furnish or obtain my personal information as it relates to the credit reporting process. I would like to bring to your attention that under 15 U.S.C. 
1681b, personal data can not be obtained or shared without appropriate authorization, particularly when there is no written As required under the FCRA, I respectfully request that you : 1. Investigate and verify the accuracy of any information that was furnished or obtained regarding my credit report.

2. Provide evidence of my written consent or authorization for the reporting of my information, as stipulated by law. 
3. Remove any inaccurate or improperly obtained information that is not compliant with the FCRA and your obligations.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

Im filing a complaint for to inadequate customer service and unfair practices which violate consumer financial protection. Specifically cash app failed to take timely and effective measures to prevent and after fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution was unfair and defective as they did not comply with errors resolution requirements under the electronic fund transfer act and regulations E these actions had caused significant inconvenience and financial loss