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

I have sent XXXX, XXXX and transunion dispute letters for my negative accounts over 30 days ago they still have not received investigation results on my dispute I disputed 3 negative account XXXX XXXX, XXXX, XXXX my name is XXXX XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my Transunion credit report. I recently retrieved my credit report and it showed XXXX credit inquiries that I have no knowledge of ever authorizing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had unauthorized charges of {$1000.00} on Venmo. I contacted the company the day the charges appeared ( XX/XX/XXXX ). The company then said I owed for the charges ( XX/XX/XXXX ), but I explained that the unauthorized charges {$1000.00} are not my responsibility. Those charges are the responsibility of VENMO. U.S. Electronic Funds Transfer ( Regulation E ) provides protection from consumers like me who provided timely notice of the unauthorized transaction. Reg. E. states " If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution. '' On XX/XX/XXXX, I was contacted by VENMO Collections and told that I owed {$1000.00}. I told them that I did not owe the amount. I stated that I had contacted VENMO immediately after the unauthorized transactions and that I am not liable for any amount greater than {$50.00}. I further warned VENMO that it is in violation of Regulation E by reporting this item to " Collections. '' I asked them correct this matter by the end of day on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have violated my privacy rights as well as my consumer rights. According to title 15-Commerce and Trade, subsection 1666b Timing of Payments ( a ) states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I was never properly informed as stated in 1666b for any payment posted on my consumer report. These accounts have been illegally reported as late : 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

Someone has access to my personal information. There are inquiries on my personal credit report that I did not authorize. I want these inquiries removed immediately. XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Thank You.
Product: Student loan

1. I was steered into forbearance when I could not make my student loan payments in 2014 on my Federal loans. I was enrolled in an income based repayment plan. The number was too high given my expenses and I was told that my only option was forbearance. I believe that I was still charged interest.

2. I had issues with the yearly income recertification. There were times that I missed the deadline to recertify. The emails did not include deadlines, or there were no email reminders that I saw, or there was inadequate information in the emails. When I did recertify after realizing that my loan payments jumped up, I often lost months because it took the servicer a long time to approve the recertification.
Product: Checking or savings account

I closed my Citibank checking account earlier this year. The company immediately revoked my online access. The problem with this is that all my statements are electronic and I no longer have access to them. I called to ask them to email the statements and they want to charge me {$5.00} per statement. 

This is particularly insidious because the banks encourage us to go paperless to save them money. Other banks have allowed me to continue to access my account statements online after the account is closed. The bank never disclosed that it would be removing my online access. The bank needs to provide a means for former customers to access their electronic statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Checking or savings account

XXXX has suddenly decided to switch our bank accounts with them that we as contractors get our daily payout on ( DasherDirect ) to the XXXX XXXX. I have been attempting to apply for over a month now. There is a problem with their AI in the way that it reads my address and my application keeps getting rejected and they are totally negligent in getting a human being to do the manual approval of my application which I am entitled to. I have put them on notice that I am contacting you as it is fraud to hold somebodys money that you are the contract with when you have already been providing it.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Bankruptcy XXXX  XXXXdischarged Reference # : XXXX XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been notified of a report sent to Experian with an address that I am not nor ever been associated with. I would like to report fraud and identity theft. Thank you. 

You have a new address on your Experian credit report Address XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian failed to do a proper investigation for fraudulent items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was to added to a XXXX XXXX Rewards card on XX/XX/XXXX as an authorize user without my consent. I never used the card and I have since been removed from the account. The account, however, is still on my credit report. The balance due fully belongs to someone else. 
As reference I already have a XXXX XXXX Rewards card that was open on XX/XX/XXXX in which I am the sole owner and user. The card has a higher balance and my usage and payment history for the last 5 year has been perfect. I have never missed a payment. 
Please remove the Rewards card opened on XX/XX/XXXX from my account.
Product: Credit reporting or other personal consumer reports

I was not able to upload this file but here is the link to my files via 6 inquiries on my credit report. Plus the one that wasn't added to my input before via the one in the 3rd paragraph. 

XXXX XXXX XXXXXXXX XXXX XXXX  : sc : XXXX : XXXX Corelogic XX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX should not show a past due balance
Product: Credit reporting or other personal consumer reports

I have disputes this debt through the WV attorney generals office, requested an itemized bill because I have never received a bill from this company, they could not do it, the one they sent I contacted the company in question and the company said the account numbers are not what they use, and according to my SS I don't owe this company anything, they quit responding through the WV attorneys general office, and deleted the debt, 3 months later posted debt under other collection company, I then disputed debt through cfpb they responded, said they would put in for a delete, it went away for another 3 months, then it reposted again under a different collections company, I disputed it through cfpb once again the replied they were deleting the debt from collections went away for 3 months and now it is back again, how can you being a government facility let this company scam me this way, I am considering legal actions.
Product: Mortgage

We currently have a mortgage serviced by Select Portfolio Servicing. When we purchased the home in XXXX, we had an FHA loan. ( Deed of Trust attached ) Since the CARES Act provided for relief for FHA mortgages in the form of forbearance for those affected by COVID 19, we contacted Select Portfolio to apply for the forbearance program. We were told by Select Portfolio that this was no longer an FHA loan. We contacted the FHA servicing center and were told that the loan was " satifisfied '' in XXXX. This was done without our knowledge and consent. By changing our loan from an FHA loan we are no longer offered the protection that an FHA loan provides. This places us at a significant disadvantage in our attempts to modify our loan and remain in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my Equifax and XXXX credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I requested a debt validation letter from the debt collector and the original copy of the contract with this account with my signed signature.. To which they could not provide, because the accounts were opened fraudulently.. As stated on all 3 of my credit reports
Product: Debt collection

I sent this company the first letter 0n XX/XX/2018 to verify that this is my account and they did not send me any information that it was my debt.i sent the second letter on XX/XX/2018 and did not here back from them. i am attempting to get a business loan but this debit they are trying to collect for is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. ( A ) in general, if, any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently reviewed a copy of my credit report and I realize several inaccuraries on my credit report. Credit Collections Services repeatedly violating my rights and defaming my character. They are in violation of 15 USC 1692 a.b.c.d.e. I have attached a copy of my License and my cease and desist letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Vehicle loan or lease

I recently purchased a used car for XXXX. This was in XXXX of this year. Then Hurricane Harvey totaled my car and then the car company, who had put a full coverage insurance policy on my car, declared that I still owed then XXXX after they took the car in and their in house insurance company declared that they could only pay less than half of the damage. They even kept the car and sold it. The finance company is American Credit Acceptance , LLC, XXXX XXXX XXXX, XXXX Tx XXXX. And the Insurance company is the XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX
Product: Payday loan

I 'm assuming this is for a payday loan based on internet searches of the number. They continually call me at work though I 've not taken a loan. They say I 'm going to be served at work or home. Sometimes they call from an XXXX number or XXXX. Other times it 's a private or incoming number.
Product: Debt collection

This account was originally opened years ago, removed from my credit report and then placed back on my report this year to appear as a new account. I am not financially capable of settling this account as I have fallen on hard times.
Product: Credit reporting or other personal consumer reports

Hey I sent a CFPB complaint in last month XX/XX/year> regarding an incorrect late payment on my capital one credit card account. It was removed from experian and XXXX but it still remains on my equifax. This is inaccurate reporting.
Product: Debt collection

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Over the course of the past month I have been harassed and berated by southwest credit systems for account XXXX in the amount of {$XXXX}. Southwest credit systems would not verify where the debt originally came from, would not show proof of debt, and went as far to say that if I did not pay them the sheriffs office would come to my door with a warrant for my arrest. After disputing the credit reporting with XXXX they have done nothing. I request immediate investigation and removal of these items as they are incorrect and do not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint against TRANSUNION, XXXX, AND XXXX regarding their unauthorized and illegal reporting of my educational records, specifically the transaction history, to my consumer Credit Report. This action by TRANSUNION, XXXX, AND XXXX is a clear violation of the Family Education Rights and Privacy Act ( FERPA ) of 1974. The Family Education Rights and Privacy Act ( FERPA ) safeguards educational records, encompassing a wide array of information, including but not limited to grades, transcripts, disciplinary records, and personally identifiable information ( PII ) directly linked to a student. Transaction history pertinent to educational loans or financial matters, although not explicitly outlined in FERPA, falls squarely within the realm of protected information due to its direct association with the educational journey and financial status of the student. As custodians of these records, TRANSUNION, XXXX, AND XXXX are bound by FERPA regulations. However, they have egregiously disregarded these regulations by Furnishing/reporting transaction histories to consumer reports without obtaining my explicit consent, thereby breaching the privacy rights guaranteed under FERPA. Moreover, the Privacy Act of 1974 supplements FERPA by regulating the collection, use, and dissemination of personal information by federal agencies. This act establishes stringent measures to ensure confidentiality, accuracy, relevance, and proper use of personal information. XXXXDEPARTMENT OF EDUCATION 's disclosure of my transaction history to consumer reporting agencies without my explicit consent constitutes a blatant violation not only of FERPA but also of the broader principles established under the Privacy Act of 1974. These actions compromise the confidentiality and privacy protections afforded to my educational records and personal information, resulting in tangible financial damages and emotional distress. Despite my attempts to rectify this matter directly with TRANSUNION, XXXX XXXX XXXX, their failure to acknowledge or resolve the issue necessitates the intervention of the Consumer Financial Protection Bureau. I am seeking accountability for Their actions. I kindly request that the CFPB investigate this matter thoroughly and take appropriate actions to rectify the violations committed by Removing All of the Information pertaining to financial transactions that associate with my Education that they furnished upon my report. Please do not hesitate to contact me for any further information or clarification needed to pursue this matter. Thank you for your attention to this urgent issue. I trust that the CFPB will take necessary steps to address this grievance and ensure justice is served.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I downloaded the money gram app to send money for business services to a friend in Ohio. I live in XXXX. I sent {$1500.00} and money gram fee was {$19.00}. a few minutes after I sent the money and received notification that my transaction went through. I then received another email stating my transaction has been cancelled and I will receive a refund within 3-10 days. at this point I called money gram asking them why was my transaction canceled they told me for security reason to protect me and the person receiving the money. I said that's not even a valid explanation and why isn't my money returned to my bank account immediately. I been calling them since XX/XX/2019 and they can not help me I even called my bank to see if they could release my funds and my bank said they cant release my funds until they receive something from money gram showing they cancelled and voided the transaction. money gram also tell me they cant send my bank over anything that I just have to wait. I don't have any money. XXXX is a lot of money for money gram to be holding my money for no reason if they really cancelled the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting - XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX on my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

Netspend All Access Account XXXX XXXX issued to XXXX XXXX on my address. 

I prefer email communication as I can't remember each and every complaint Im making for this. 
Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau, XXXX XXXX, experian and XXXX by mail and fax on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and I have not received any reports from the bureaus about my dispute and the accounts are still on my credit and I have no knowledge of these accounts. I have asked for proof from the creditors and the bureaus and no response. they have had many times to respond.