23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting or other personal consumer reports

I have submitted several disputes with TransUnion and none of the erroneous information has been deleted. I have asked for the original purchasing agreements for the accounts as well and have not received them, even though it is my consumer right to obtain a copy.
Product: Debt collection

Hello- I've been working to confirm the instrument of indebtness in its original form to be able to confirm this debt. How is it that I owe a debt for which a contract can not be produced? 

Furthermore, I'm seeking LITIGATION '' as I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
Product: Student loan

On XX/XX/XXXX, I reached 120 qualifying payments for PSLF with MOHELA having been employed full time as an XXXX XXXX XXXX with the XXXX XXXX XXXX. At that time, my employment certification has me at 113 payments, with the last 7 months not being certified. I submitted my employment certification for forgiveness on XX/XX/XXXX. I received a response on XX/XX/XXXX that it was going to be processed in 30 days. At the end of 30 days, I called as nothing had happened. The person on the line said there was a hold up and it would be 45 days total. When I called at 45 days, I received an answer that my application never went through but they would process it in 60 days. Every time I called back was a wildly different answer and over 2+ hours on hold. One day, I was on for 4+ hours. Someone tried to say my counts were off because I was a very recently acquired loan with MOHELA, but they have had them for over 2 years, meaning this was blatantly false. Today, XX/XX/XXXX, I received a letter stating I do not qualify for forgiveness. I logged in and saw they rolled back my qualifying payments to 42 qualifying. The dates they counted are sporadic and include some of the most recent months. When I asked today about it, I was told it wasn't their job at MOHELA to count the payments, and there was no solution or timeframe for my issue being resolved. When asked if it could be months or years, I was told it might be and that I just need to keep making minimum payments. This feels as if MOHELA is grossly negligent with my loans and incapable of properly processing them for forgiveness. After passing up multiple better paying job opportunities to stick with PSLF, they have picked up the finish line and moved it far beyond my reach with no directions on how to get there. I'm an frustrated and so far have no guidance on next steps other than to wait, seemingly for years. This is completely unacceptable and a drain on my finances and valuable time. It also has prevented me from looking for better employment, as moving on before forgiveness could cause issues if they have not completed my forgiveness. What's worse. The debt that should be forgiven could be a potential block to obtaining a mortgage for my family 's first home, which would force us to rent and lose money in the long run.
Product: Money transfer, virtual currency, or money service

I recently looked into all my robin hood account statements in XX/XX/XXXX and found an statement from XX/XX/XXXX showing transactions worth almost XXXX XXXX dollars. I recently opened XXXX XXXX statement and seen XXXX XXXX from a ACH transfer to my XXXX XXXX  account. Under Regulation E im sure I can prove my case. Whatever person or persons used multiple devices scanned my ID card so I could not upload my ID which I had uploaded on XX/XX/XXXX. Both cases are still open XXXX only gave me a small portion of certain transactions. I have all my documents and proof showing someone needs to get arrested for fraud as well with other Federal laws broken. I was under the impression certain security issues were fixed until yesterday my Robinhood account app settings changed. It was due to me uploading my ID XX/XX/XXXX or the XXXX XXXX, from one of the company 's support member emailing me a portal so I could upload my ID. I have been spoofed by the person or persons involved acting as IRS support, XXXX and robinhood via email. XX/XX/XXXX I filled out part of my Taxes in XXXX and it still showed it had XXXX XXXX dollars in proceeds on my form. All of these federal laws broken and my bank account as well as the brokers account shows I never had more than XXXX XXXX inside robinhood since XX/XX/XXXX. Under the XXXX rule an organization with the government should have contacted me. It shows transfers too California under my name and ACH money transfers. I have proof that my apps were duplicates and set to default with both XXXX and robinhood. I have made a lot of reports detailing my situation and even provided documents to both companys. I am XXXX XXXX XXXX XXXX and im from XXXX Texas, Robin hood has a location protection and it locked my cards withdrawals so how they still used my account left me clue less and stressed due to all of the fraud and unauthorized transactions. The IRS is going to know where is that money is I never had in Robinhood. I just would like justice done on the person or group which hacked my phone and used personal information to withdrawal money from my account.
Product: Credit card

The credit card was paid with a valid lawful financial instrument. Instrument was never returned or denied and believed to have been negotiated by the bank to settle the account. In addition the entity sending the communication CARD SERVICES is believed a third party interloper and Barclay Bank have never requested permission to share private information with CARD SERVICES and such communication might be unlawful
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. THE ITEMS REPORT INACCURATELY EVERY MONTH BRINGING MY CREDIT STANDING DOWN SIGNIFICANTLY. I HAVE ATTEMPTED TO RESOLVE THIS MATTER WITH THE CREDIT BUREAUS ON THREE OCCASIONS WAITING 40-60 DAYS IN BETWEEN EACH INQUIRY WITH ONLY ONE RESPONSE BUT NO INVESTIGATION REPORT. PLEASE INFORM THIS CREDITOR THAT IF THIS MATTER IS NOT RESOLVED WITHIN A REASONABLE TIME, AFTER THIS CORRESPONDENCE IS RECEIVED, I WILL FIND MYSELF WITH NO OPTION BUT TO PURSUE THIS LEGALLY.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$230.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in XXXX  getting my XXXX for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.
Product: Credit card or prepaid card

I have just noticed that Synchrony credit card company who manages my XXXX Store card has been charging me a " Card Security '' charge without my consent. I will be calling them and requesting the 4 years of service I've had with the card and determine how much I've actually been charged and will be requesting a full refund. If they do not pay out the full refund I will  lawyer up and get a class action lawsuit started and would like your assistance in getting notifications out.
Product: Credit reporting 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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a letter with method of verification for verifying a bankruptcy from XXXX, Experian and XXXX XXXX. I need to know how XXXX, Experian and XXXX XXXX verify a bankruptcy before they add the information to an individuals credit report.
Product: Credit reporting or other personal consumer reports

Company name is XXXX  opened XXXX XX/XX/year> this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes.
Product: Checking or savings account

On XX/XX/XXXX, I was part of an elaborate scam in where we lost a total of XXXX dollars. We transfers the money using XXXX using our bank card with XXXX. We quickly notified both parties but found both to point the fingers at each other and neither willing to help. We included screen shots of the goods promised and explained that inc funds were received, the person did not fulfill their part. 

XXXX was willing to issue a temporary credit but that was charged back to us in XXXX without more than a few days notice. The explanation was that they were not held responsible. When we reached out to XXXX, they opened up an investigation but did never followed up.
Product: Vehicle loan or lease

I was denied a copy of my credit report due to a vehicle, I have no knowledge of. After I tried to pull my credit just last week I found that I was being sued for XXXX for a car wreck I am assuming. I tried to let the company know I have not filed a claim nor have I owned a vehicle in quite some time. I have purchased and sold cars but lease one never. Please help me get this rectified, it is keeping me from getting a job.
Product: Debt collection

I had returned a phone to this company in exchange for a different phone. They never credited {$500.00} for the phone I returned to their store. I disputed this with them several times to no response. This was the reason I decided to not use the phone service,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a late payment. When i log on to their credit reporting web site via my membership it indicates that their is a late payment and it is adversely effecting my credit score.  Upon complete review of their report of my entire credit history there are NO late payments to be found! I called Experian and spoke with their dispute center and while i was on the phone with them they reviewed their report of my credit history and did not find a late payment report either, but they did say that a report from XXXX XXXX which does indicates Paid, Closed Never Late, it also indicated early termination/insurance loss, and that JUSTIFIES A LATE PAYMENT REPORT!!!! I disagreed and said it was a leased car which was totaled and XXXX XXXX was paid in full for the vehicle by the insurance company. He said there is nothing he can do and i should call customer service at Experian, which was another waste of time. I CALLED XXXX XXXX AND THEY SAID THEY REPORTED PAID, CLOSED NEVER LATE. They said the reference to the early termination insurance claim simply refers to how the account was closed and paid. They also said that it was ridicules for Experian to take that as a late payment, it makes no sense and there was nothing they could do for me with regard to Experians report. I will upload a copy of the section that shows the XXXX XXXX information. Their reporting a late payment does negatively effect my report and my credit score. I also acquired my credit reports from XXXX and XXXX and there are no late payment reports their either.
Product: Credit card or prepaid card

Hello good day I am a bluebird account holder I woke up this morning saw that I was not able to login into my account I got a email saying. As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

I need help I have funds in my account an I need to pay Bills an my rent
Product: Credit reporting or other personal consumer reports

Closed Account. My report includes accounts with a reported name that is different from mine. I don't recognize the account in question. This account is not mine. The current status of my account is not correct.
Product: Student loan

The school that I received my loan for was XXXX XXXX, which longer exists. I graduated in XXXX, and by XXXX they had closed. They never received their credentials, which backed our degrees that we earned. My particular degree program- XXXX XXXX was completely dropped not long after I graduated. Part of the reason I agreed to attend this school was its promised of continued education as well as their credentials. 

see one of many links below. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX/XXXX/2015, XXXX MT, XXXX, showing as Private Name on home phone, called and asked for XXXX. I replied " You have a wrong number, '' and hung up. 
XXXX/XXXX/2015, XXXX MT, XXXX, called my cell phone. A nasty toned female rattled off supposedly her name and some supposed id number. She mutilated my name and wanted me to '' tell XXXX to call '' her " today. '' I told her she had no right to call me. She replied that she could call me on any number she wanted to. I told her I did n't know who she was. She raised her voice and said 'of course I did, she had already identified herself and told me she was from Navient. ' I told her I 'd been the victim of the IRS and Anthem hacks. She attempted to talk and yell over me. I hung up. 
I cosigned a private loan and have XXXX XXXX loans associated with my daughter XXXX. All XXXX loans are current. If this was a valid Navient phone number and Navient representative, Navient had no business calling me and demanding that I call or contact my daughter ( or anyone, for that matter ) regarding anything that I am not personally responsible for. This is harassment, bullying, and unprofessional conduct and activity. In addition, years ago XXXX directed XXXX XXXX to remove my name from all her federal and private loans ' contact lists. They supposedly did, but now Navient is calling. Why is n't Navient abiding by XXXX XXXX 's supposed " word '' not to call me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize a hard inquiry on my credit report. My understanding is that this was a SOFT INQUIRY, and am on a RECORDED line reiterating as much. A hard inquiry was done without my permission or understanding. 

Text sent to Wells Fargo Services. 
-- The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XX/XX/2022. My understanding is that this was a SOFT INQUIRY, and am on a RECORDED line reiterating as much. A hard inquiry was done without my permission or understanding. 

Although I am mostly a happy Wells Fargo customer, I would have not have wasted a hard inquiry for a CLI increase request. 
Mistakes happen, but I am asking that you remove this inquiry from all three credit reports. 

Please launch an investigation to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you find the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Hello I found two unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file
Product: Checking or savings account

I contacted XXXX who is one of their phone representatives for U.S. Bank on XX/XX/2023 at XXXX XXXX  to request Checks for my 3 checking accounts ( Business Checking, IOLTA-Attorney Client Checking, and Personal Checking Account ) at a cost of {$250.00} ( {$120.00} for each Business Account and {$18.00} for the Personal account ). 

I had to order checks because all the noted accounts used to be under Union Bank of California but were taken over by U.S. Bank as of XX/XX/2023. U.S. Banks changed the Account Numbers and Routing Numbers for all my account. 

My complaint is that I should have not been made to pay for the new checks since the need for new checks was not my doing. U.S. Bank bought Union Bank of California and changed the routing and account numbers. I was forced to buy new checks so I want U.S. Bank to refund the {$250.00} that I paid them. XXXX told me I had no choice and had to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The computer glitch that Transunion had caused my inquiries to be deleted. Transunion later added them all back on my credit report without giving me the legal required wriiten notice five days prior to them re-adding. I have contact transunion in good faith on 2 separate occasions to ask them to delete the inquiries that they have illegally re-added but they have not done so. They told me I have to wait until they dropped off and the were unable to help me with this matter. These inquiries add an hardship and my rights were violated by transunion. I am asking and pleading for your help to have transunion to stop victimizing me. As a a resolution may all of my transunion inquiries be permanently removed from my report as a violation that took place when they were illegally added.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX I was in fact a victim of the XXXX data breach that happened years ago. My Information was sold and bought illegally by God knows who. I have a list of accounts from my credit report that needs to be deleted immediately. I am also attaching proof of me being a victim of the XXXX data breach. Please help me delete these accounts from my credit profiles. 

XXXX XXXX XXXX reported balance as of XX/XX/2022 XXXX XXXX  XXXX XXXX balance as of XX/XX/2022 XXXX XXXX XXXX loan XXXX reported balance as of XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX this was the start of my credit being acted by an outside entity )