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

Experience XXXX and XXXX how inquiry that have not been made by me. I am a victim of identity theft over the past Four Years And request these fraudulent inquiries to be removed.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. XXXX, XXXX or TransUnion. Upon reviewing it I noticed some discrepancies that I would like to address. There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b. It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports. As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report. Thank you for your attention and cooperation, in resolving this matter efficiently. Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( XXXX ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports. ( XXXX ) EXCLUSIONS. With the exception outlined in paragraph ( XXXX ) a " consumer report '' does not encompass Within the provisions of section XXXX XXXX of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681. Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for. XXXX. Defamation of Character XXXX. Negligent Enablement of XXXX XXXX XXXX. Violations under XXXX XXXX Collections Practices XXXX specified in 15 USC 1692g XXXX. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ XXXX XXXX. XXXX In ] XXXX year payment history is erroneous and incomplete with all three credit agencies. TransUnion : 30 days late XXXX XXXX XXXX XXXX XXXX XXXX days late. 
XXXX : XXXX days late XX/XX/2023 and XXXX XXXX XXXX days late. 
XXXX : XXXX XXXX XXXX days late and XXXX XXXX XXXX days late, XXXX XXXX XXXX days Late and XXXX XXXX XXXX days late.
Product: Mortgage

I have had issues with the proper reporting of my home mortgage. My credit report is not correct and I was told it would take 30 days to correct. This has been going on for months now. Please reflect an open BB & T mortgage with XXXX late payments
Product: Checking or savings account

My bank account is always getting overcharge with overdraft fees that make me super XXXX because I dont get charge for anything I pay for until Wells Fargo feels like they want to put it throough. When I buy something it should XXXX straight out of my money and not when I dont have money so then I get a overdraft fee because they dont process it until I have no more dollars in there. I get paid on the XXXX of every month and I end up negative three or four hundred dollars because they dont process the charges until I dont have any money in my account.
Product: Credit reporting or other personal consumer reports

I applied for a loan, the loan company showed me on the screen where it says my equifax report is frozen. When i log into my equifax account it shows its not. I called equifax it was confirmed by representative that its not frozen. 2. I applied for a credit card and was denied because it came back from equifax no credit beureu file for the applicant. Thats also incorrect. The eiquifax representative told me there is nothing they can do that its not frozen and all my information is accurate. I was told by the loan company i was trying to use that they had this issue before and the individual had to use some federal site to get help. When i asked the equifax representative about that, he said there is nothing that can be done. I just need my credit file to be able to be accessed by lenders!
Product: Student loan

I am reaching out with a concern about XXXX XXXX. I should be getting credit for making nearly 3 of the 10 required years of payments for the Federal Student Loan Forgiveness Program and am only being credited for 8 months! 

Furthermore I have been calling XXXX XXXX for 10 months to get a review and they will not complete one. I asked for a review in XX/XX/XXXX and XX/XX/XXXX that was not completed and then another one this fall. During this 10 month period, XXXX has continued to not count my ( qualifying ) income-based repayments toward the loan forgiveness program. 

I was starting to wonder what could possibly be happening with XXXX XXXX, so I did some research and learned that they were being sued ( before the DOJ intervened last month ) by the Massachusetts AG for this very issue and for never correcting the problem. This is financially a very scary prospect for me since I am not paying off my high interest-bearing loans assuming that I will receive the forgiveness.
Product: Credit card or prepaid card

Synchrony Bank refused to process my payment in a timely fashioned claiming insufficient funds available only after the payment due date. Upon contacting my bank, no such request for EFT to Synchrony was ever made causing my payment to be late and incur late fees.
Product: Credit card or prepaid card

I received a USBank Relia visa debit card on XX/XX/XXXX for unemployment payments. I am retired so I have not requested any unemployment benefits. The debit card has my name ( XXXX XXXX XXXX ) on the card. I have tried to contact the number on the back of the card but they tell me there is 204 people ahead of me. The website does not give me any way to close the card so I am afraid that some one has filed a unemployment claim in my name to defraud the government. The card number is XXXX valid thru XX/XX/XXXX with the number on the back of XXXX. I have contacted the Colorado unemployment office and filed a complaint. I have not had a invisticator call me back yet. If you have any questions for me call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX
Product: Debt collection

Received a letter from a Law Firm : XXXX, XXXX XXXX XXXX XXXX Midland Funding LLC. stating a debt was owed. I sent a letter to the law firm requesting proof that the debt was indeed mine. All that was sent was a judgment that was filed in court. Nothing was submitted proving that debt is indeed mine from either party such as a signed contract. 

Upon further research, I see this debt recovery was initiated in 2011, in which there was never any communication. I request the necessary information be provided proving that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

myEquifax website did not allow me to place a free credit freeze as permissible today required under federal law. I was prompted with incorrect identification information and unable to re-login using my account. Equifax believes that I have auto and installment loans from a credit union, but this has never been the case ever. As I logged out upon noticing inaccurate information, I am now unable to log in at all and get the response " We are temporarily unable to complete this request. ''
Product: Credit card

In XXXX made a payment of {$1000.00}, was provided with a confirmation number. When I received my statement the following month it said I was late and that I hadnt made the payment. I called in, I complained, I provided my confirmation number, and this went on for a couple of months back-and-forth. They could not find my payment. Contacted my bank in which they contacted the credit card company and within a couple of hours, I was told that they did find the payment, and they credited my account and said that it was corrected. Ive just been notified again that they have again added {$1000.00} to my account saying that I owe it. I made the payment, they lost the payment, then they found the payment and I am still coming out owing an extra {$1000.00} that is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the fraudlent inquiries and accounts. I sent a letter 2 months ago.
Product: Prepaid card

I received a {$500.00} American Express prepaid gift card from a family friend for XXXX. She bought it straight from AmericanExpress.com and had it FedEx expressed to my house. I am a college student and {$500.00} is a lot of money to me. I got the card on XX/XX/XXXX and did not spend any until XX/XX/XXXX. At that time I spent {$54.00} at a company called XXXX. I ordered it from their secure online site and received my purchase. I tried to swipe it at XXXX XXXX in my hometown and it was denied on XXXX XXXX XXXX. At that time I went online to check the balance and the balance was {$0.00} and looking at the charges I know I made none of these. It was quite obvious since I do n't live in New York and do n't have a T-Mobile account or shop at XXXX, or even know what XXXX are. These thieves are so certain that nothing will be done about it that they even paid their POST PAID cell phone bill, XXXX, and even shipped things to their home address. I got {$440.00} stolen from me and when I contacted AMEX they told me that sorry it 's treated like cash and there is nothing they can do about it. So what this is telling me is AMEX got their {$500.00} and take no responsibility that my {$440.00} was stolen because they already got their {$500.00}. I do n't understand how AMEX is allowed to do this, because it is not only supporting theft but also AMEX themselves are stealing peoples money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy was reported in my Transunion credit report on XX/XX/2010. 

It was reported by : Federal District XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX ( XXXX ) XXXX Case Number # XXXX XXXX The United States Bankruptcy Court, Distric of Puerto Rico, notified that the Trustee appointed in the aforementioned cases filed a Report of No Distribution on XX/XX/2010. 

The United States Bankruptcy Court, District of Puerto Rico, ordered for the discharge an the closing of the case on XX/XX/2010.
Product: Debt collection

XX/XX/XXXX Instructed by VA that I could use the services of XXXX XXXX in XXXX GA XX/XX/XXXX Spoke with XXXX at the VA in reference to hospital bill not paid. I was informed there was a billing issue that the reference number and claim number was missing. 
REF # XXXX XXXX Claim Number XXXX XX/XX/XXXX I spoke with XXXX and informed them the billing was incomplete XX/XX/XXXX I discovered the debt on my credit report XX/XX/XXXX disputed claim with XXXX XX/XX/XXXX Called and spoke with XXXX at Medical Data Systems. I tried several times to explain the situation and she refused to listen and understand just kept talking over me and refused assistance. 

XX/XX/XXXX I called the VA and spoke with XXXX and explained the situation with the debt on my credit report. She explained to me that the Doctor was paid with his claim number but well star had not done a complete billing XX/XX/XXXX Called back to Medical Data spoke with XXXX who claimed to be a supervisor. She was basically saying sorry for your luck they didn't seem to care or try but informed me I needed to make payments. 

XX/XX/XXXX Called XXXX spoke with XXXX and explained the situation but was no help. 

I would like this removed from my credit and correct the billing to have the VA pay it.
Product: Credit reporting or other personal consumer reports

I have identified information on my report that are a result of identity theft these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the reappearance of an account on my credit report. The account in question was previously deleted due to fraud, and an FTC Identity Theft Report was provided to TransUnion at that time. However, the account has now been reinserted without proper notification. 

Account Details : Creditor Name : XXXX  Account Number : XXXX Account Number : XXXX This account was investigated and deleted by both XXXX and XXXX and has not been reentered on their reports. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted into a consumers credit report, the consumer reporting agency must notify the consumer of the reinsertion within five business days. I did not receive any such notification regarding the reinsertion of this account. 

I am providing TransUnion with a new FTC Identity Theft Report to support my dispute. 

I request that you investigate this matter and provide me with the required reinsertion notice. If the account can not be verified, I ask that it be permanently removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account Name : XXXX  XXXX ( Reporting on XXXX , and Experian ), Account # : XXXX and Account Name : XXXX XXXX XXXX ( reporting on XXXX and XXXX ) , and Account # :XXXX, Account Name : XXXX XXXX XXXX XXXX  ( reporting on XXXX ) has violated my rights.

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 an account without my written instructions.
Product: Checking or savings account

Ive had an account with XXXX XXXX for quite a while & recently had a 100 % legally authorized PPP loan, in my name ( not business name ) deposited into the account for my sole proprietorship. Prior to the deposit, there were personal funds in the account totaling over $ XXXX, which I can account for with whatever documents needed, if any, just as I can for the XXXX loan & my sole proprietorship. I was told XXXX XXXX no longer wanted to do business with me and was canceling all of my accounts, due to the PPP loan deposit. I also was told, I could not use or withdraw any prior funds that were in the account, while the investigation takes place concerning the loan, which is a huge problem for me. I am now stuck trying to understand why am I being denied access to money I worked for, due to one specific transaction first off. Then second, how can a 100 % legit PPP loan cause my life to be turned upside down? I have bills, kids, a family to provide for, a business, & most importantly a sick mother & father for whom I take care of. Being denied access to my original funds is a disgrace. This incident was totally unexpected, which mean I have little to no cash on hand. Ive been calling & repeatedly visiting local branches, as well but no one can give me any concrete information. This is a huge inconvenience & very disturbing that Im being treated as if im wrong for applying for assistance and having it placed into my trusted account. I have a proven track record with the institution, this isnt a new relationship. Ive been with them for years, even have several credit cards & a car financed by my husband with them, but being treated as Im a criminal. Im 100 % legal and in no shape, form, or fashion trying to scam anyone. I just would like this matter resolved in a timely fashion.
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 EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer FICO 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Prepaid card

I have a XXXX Visa Citi debit cards ( $ 100/card XXXX and realized the expiration was XXXX on XXXX cards. I called today and they told me they would not reissue the cards. The cards are definitely less than 2 years old so this restrictive timeframe is not consistent with the direction provided by your site XXXX that a 5 year time frame would be allowed XXXX.
Product: Debt collection

This letter is a reply to your letter in response to my letter that you mailed I disputed the alleged debt that PORTFOLIO RECOVERY ASSOCIATE is attempting to collect I additionally requested verification of the alleged Debt pursuant to be my right under the ( FDCPA ) I am within my rights of a verification request under the ( FDCPA ) .I requested a copy of a signed contract with XXXX XXXX XXXX and PORTFOLIO RECOVERY ASSOCIATE I also requested that you cease and desist all collection activities including credit reporting agencies. I request that PORTFOLIO RECOVERY ASSOCIATE delete any and all reporting made to all consumer credit reporting agencies You have clearly failed to address my very specific legal request and are clearly violation of the ( FDCPA ) RE : PORTFOLIO RECOVERY ASSOCIATE You failed to obtain and send verification of the alleged debt by not mailing me a signed contact or agreement signed by all parties involved including as requested also the following ( A ) License to be able to collect in the state of Texas ( B ) chain of custody for alleged debt ( C ) purchased agreement ( D ) method of verification ( XXXX ) A description of procedures Under the ( FDCPA ) it is unfair or uncomfortable to attend to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
Also my personal information was released without my consent or knowledge to a third party ( PORTFOLIO RECOVERY ASSOCIATE ) you failed to cease and desist delete Under the ( FDCPA ) it is false deceptive or misleading representation or means in connection with the collection of my debt to communicate to any persons or consumer credit reporting agencies credit information That is known or which be known to be false .do to the previously stated you have caused me & my family additional stress frustration credit damage and cost. 
You have wived your opportunity to amicable resolve this issue without the need to litigate I instead to send this matter to my attorney or initiate litigation against you, you may resolve my ( FDCPA ) claim by doing the following ( 1 ) cease & desist alleged collection ( 2 ) delete all PORTFOLIO RECOVERY ASSOCIATE credit reporting ( 3 ) tender XXXX XXXX XXXX {$1000.00} and receive 14 days of receive of this letter XXXX XXXX XXXX
Product: Debt collection

A medical debt was obtained by N.A.R. North American Recovery from XXXX XXXX XXXX XXXX Hospital and was billed to myself on XX/XX/XXXX for the amount of {$530.00}. I was next billed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX acting on behalf of N.A.R. for the amount of {$550.00}. I contacted XXXX XXXX XXXX onXX/XX/XXXX and was told my account balance would be {$710.00}. I asked for an explanation or summary for charges at the time and was told " they could n't disclose that until the bill was paid in full. I reluctantly paid the full amount of {$710.00} which processed onXX/XX/XXXX by N.A.R. I asked for a summary to then be sent to me for viewing. The summary arrived quickly on theXX/XX/XXXX, however, did not state anything except that it was paid and the amount. I called N.A.R. on XXXX XXXX to ask for a summary or explanation of charges and was transfered to XXXX XXXX XXXX. I was told the charges added were for the summons that had been prepared by their law office. I asked the legality of adding fees being collected by a debt collector, and was told I had signed an agreement at the hospital on the date of my accident that I would cover any and all legal fees associated with this bill. My question would be is this a valid charge for interest & legal fees?
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report a fraudulent account and inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries and account have affected my life and resulted in several fraudulent hard inquiries and account and appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXX opened XXXX {$24000.00} # XXXX .I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Experian, XXXX and XXXX What happened Consumer Name : XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the Experian, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries and account 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 of the aforementioned consumer credit hard inquiries and account are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian, XXXX and XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX