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

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Checking or savings account

I deposited my entire savings of {$XXXX} into an Affirm high yield savings account On XX/XX/XXXX. On XX/XX/XXXX I noticed it was frozen and called to unlock the account. Was told it would be 3 - 5 business days to talk to someone. It is now XX/XX/XXXX and no contact from Affirm has been attempted via email, mail, or phone and I still do not have access to my money. My money has be stolen by Affirm. 

I completed the onboarding process of showing my ID and taking photos of myself etc. I received an email on XX/XX/XXXX asking me to do the same thing again. I attempted to click the link and complete it, and it looked as if it was already completed not allowing me to do it again. The same answer is given each time of someone will call you back or email you in 3-5 business days and that they are escalating the issue. There is no one that can discuss your account with you or a branch to go to. This screams fraud or scam and no one should ever put their money in an AFFIRM SAVINGS ACCOUNT. There are several more reports like mine of people waiting months or worse to get access to their own money on this site and other sites. 

I have called on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar is incorrectly reporting this account. The account has been paid in full and accepted by Nationstar. This account needs to be updated to reflect paid in full to reflect accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions. 

Remove Fraudulent Accounts : Account name : XXXX Account number : XXXX Original creditor : XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$7000.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Comments : Placed for collection Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$0.00} Balance updated : XX/XX/XXXX Paid off : 100 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Account name : XXXX Account number : XXXX Original creditor : XXXX XXXX- Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX Account type : Open account Balance : {$400.00} Balance updated : XX/XX/XXXX Paid off : 0 % Responsibility : Individual account Payment history : No payments have been reported on this account. 
Contact info : XXXX XXXX XXXX, DE XXXX XXXX XXXX Comments Affected by natural disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

In line with the FCRA XXXX, I request ALL the Fraudulent information be removed Immediately! I am being adversely impacted by this fraudulent information, I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

The creditor keeps reporting incorrect information this is not a debt that I owe. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Collection {$3500.00} this was a write off and a XXXX XXXXXXXX issue under XXXX - XXXXXXXX XXXX XXXX XXXX They need to DELETE this derogatory account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote and called experian several times because my credit report will not update since XX/XX/XXXX. It is now XX/XX/XXXX and I have waited for them to correct the issue I called them and they told me they put in a ticket because it is a technical issue however this is still and issue and I can not see my credit report. Also this occured when they finally deleted some erroneous accounts. Specifically the XXXX  XXXX and XXXX XXXX chargeoff. I simply want these accounts removed as they sent me an email and told me they were deleted from my report on XX/XX/XXXX. Then days later they say this same item that was deleted was updated. This is against the law to reinsert an account after it was deleted. They have literally blocked my scores since these two items were deleted and illegally reinserted one of the items.
Product: Credit card or prepaid card

I had a dispute on my card for {$16000.00}. The merchant credited {$14000.00}. On  XXXX   XXXX ,   XXXX  , I received a letter fro Chase which said : " We 've issued a temporary credit to your account for the {$2200.00} in dispute. If interest was charged on this transaction, your account has been credited for it as well. '' See attached. I have just received my statement - the first since this letter. There is NO credit for the {$2200.00} or the interest. I have now spent  XXXX  minutes in  XXXX  separate calls to get this fixed but can not. In the first  XXXX  calls the agents spent  XXXX  minutes reading the " notes '' and then my call dropped. I can not resolve this issue
Product: Credit card or prepaid card

On XX/XX/XXXX Wells Fargo charged a {$50.00} " REWARDS ANNUAL MEMBERSHIP FEE '' on a credit card which they stated had no annual FEE. The fee was charged to a card that had not even been activated in my business account. If it were not due to my diligent inspection of my account I would have also accumulated interest fees. When I called to report card fraud for transactions made to my account without my permission they refused to allow me to either electronically ( disabled in their system ) or over the phone submit a fraud claim. They were willing to " provide a credit for the fee '' stating that this was a " system error '' as if they were doing me a favor. <P/>My primary concern is for other customers who will fall victim to deception intended to result in financial or personal gain by an institution paid for the service of protecting their financial interest.
Product: Checking or savings account

I noted {$6000.00} stolen from my Chase bank account on XX/XX/XXXX. $ XXXX from checking $ XXXX from savings. All withdrawals were made by cashier 's check XXXX XXXX separate checks of {$2000.00}. Bank told me to go to the local branch, and I met with the manager. While I was meeting with her, checks were cashed out in real time. Since the bank would get that info the next day, I returned to the bank the next day, XX/XX/XXXX. I was advised it would be an easy fix. Today, however, I was notified by the bank that money was withdrawn using my ID in Arizona ( XXXX XXXX XXXX XXXX, AZ XXXX ). Two representatives, XXXX and XXXX XXXX ( phone # XXXX ), both confirmed that the person presented my driver 's license, which is my possession. But when this happened, I was in XXXX with the banker, and the person withdrew this in the Arizona Chase branch. We reported this to XXXX Police Dept. Financial crimes unit, phone number XXXX. I am concerned about ID theft and will monitor it. Chase, after a long and tiring phone conversation, told us to submit a police report so they could open an official investigation. We are in the process of doing this.
Product: Student loan

I have been trying to contact Navient for the pass 3 to 4 weeks to try and get a pay off of my student loans that I have with them. No one has contacted me to help out in this matter. I 'm trying to make a payoff agreement to pay my original loan balance minus interest.
Product: Credit reporting or other personal consumer reports

XXXX Account Listed on My Consumer Reports with the following Errors : Payment Status : Collection/Chargeoff Date Opened Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Reported Can not be Both XX/XX/XXXX AND XX/XX/XXXX. 
Date Last Active Can not Be XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX. 
Date of Last Payment Listed As XX/XX/XXXX AND XX/XX/XXXX Which Contradicts The Last Active Date. 
If this Alleged Debt is a Charge Off, the Statute of Limitations for Debt Collection in Illinois has passed. 
TransUnion XXXX is Blank. 
XXXX XXXX is Blank. 
XXXX XXXX is Inconsistently Listed as XXXX XXXX. 
If this Alleged Debt is a Charge Off, I have not been provided my 1099 form to include this Charged Off Debt on my Federal Tax Returns. 
Thr Consumer Reporting Agencies are Listing Inconsistent Discrepancies that are Harmful to My Creditworthiness and Ability to Obtain Credit. My Consumer Rights are being violated by the Misrepresentation of My Credit.
Product: Debt collection

Last Month, I sent this company a dispute to validate a frivolous account that they had reported on my credit report. Although mandated by law to ensure that the data they report on my credit report is 100 % accurate, I noticed that this company still reporting the account that they are unable to validate.
Product: Payday loan, title loan, personal loan, or advance loan

I was told I was approved for a XXXX loan and I had to pay fees to the XXXXXXXX XXXX. I was continously charged a fee but never received any loan nor my money 's back.
Product: Debt collection

I received a letter dated XX/XX/XXXX from Resugent Capital Services trying to collect debt for LNNV Funding LLC on a debt from XXXX. This debt is more than 10 years old and should be deleted from all credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$300.00}, XXXX  XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$460.00}, XXXX XXXX Date Opened : XX/XX/XXXX  Balance Owed : {$490.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They broke the law and I want to have them remove the negative item
Product: Student loan

I am submitting this complaint to formally report an unauthorized disclosure of my personally identifiable information ( PII ) and records. 

Pursuant to 34 C.F.R. 99.30, 99.31, 99.32 and 99.33, educational institutions and third parties receiving student records must adhere to strict access and disclosure policies to protect students ' PII. I believe my records were accessed, used, and shared in violation of these provisions. I formally request you mandate the deletion of any improperly disclosed records from any unauthorized repositories, databases, or storage systems that have received or retained my PII as a result of this.

Records Disclosed : My personally identifiable information ( PII ), including but not limited to my student loan data, financial aid records, and associated education records.

The records were disclosed to Elon Musk and his associates, who have no lawful right to access my education records.

Their relationship to the institution is undefined, and their access was not vetted or authorized through any known legal or procedural mechanisms. This disclosure was made without my knowledge, consent, or a valid legal exception under FERPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, About 5-6 months ago, I tried to cancel my card before the annual fee was issued in it. I contacted Citi, and they closed the card. Not the account. I didnt have access to my online portal. Upon coming back from vacation, I noticed I had mail from Citi saying I didnt pay. I was worried because I didnt wan na ruin my credit score. I instantly tried to go on my citi account online and pay even if it isnt my fault. But I didnt have a card anymore so I couldnt reset my password and make the payment. I contacted citi via the phone and the customer service rep told me not to close my card, he solicited me to keep my card and that Ill get a XXXX XXXX  credit to use which will offset my XXXX XXXX balance. I said okay thats fair, and ordered a new card. I tried using the card and it got denied. I contacted citi again and yet again they confirmed I just need to use XXXX XXXX and the balance will clear. I tried using my card again and still nope. And this final time I spoke with citi just now, the guy was threatening to report me for refusing to pay my bill. They misinformed me multiple times and this is affecting my credit score. I dont know how to report them for constantly giving me different information but this has been exhausting and frustrating.
Product: Debt collection

XXXX XXXX XXXX XXXX called OAC. I disputed these on XXXX XXXX, they were removed, and then put back up again numerous times. How many times do I have to keep disputing them. I have XXXX and XXXX, my insurance XXXX covers the remaining balance on everything, so if it's going to collections, it's because they're not doing their jobs and billing XXXX. They have all my proper information, and I even confirmed it with their billing department over the phone. I finally got my credit to a good number, and these XXXX keeps billing me these charges that insurance has paid for already, and there should be a log of that. Isn't it illegal to do this to someone's credit? We're in 2021 now, I am on XXXX and have been for XXXX years.. I collect XXXX, and don't work, I make about {$500.00} a month, isn't there some sort of relief out there? We shouldn't even be having this conversation, because these were already paid off by insurance. Some of these date back to XXXX how is this possible? 

Recently I reached out to the company on their site, but got no reply back, which I honestly wasn't expecting one. OAC seems to do this to a lot of people from what I've read in XXXX them for their last cent, and going after people who actually can't afford it.. harassing them. 

I don't have anything that says they were paid for, unfortunately, but my insurance should have that.. most of it is done digitally now. I think the problem is that XXXX XXXX did not bill my XXXX, instead billed me, even though I told them to bill insurance, they cover whatever XXXX doesn't, and that's why it's in collections. However, I told collections this, and they are not doing their job either in getting the money from insurance.. I'm sure you understand what I'm saying. So I can't have documentation of something when people aren't doing their jobs and billing the right people.
Product: Debt collection

Company Zwicker and Associates has made multiple attempts to collect a debt that is not mine. I have made multiple attempt to get the paperwork to determine the origin of the debt and they have refused to send the proper verification
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the cfpb lawsuit highlighting significant issues surrounding the platform. Despite using Zelle numerous amounts of times, my financial institution and Zelle failed to investigate my claims inadequately.
Product: Debt collection

A lady named XXXX XXXX keeps calling my cell phone and work phone number leaving messages. Saying she has a warrant for my arrest. XXXX. She is with XXXX XXXX XXXX. There number is XXXX. Original debt was with Bridge Solutions. Now they bought the debt I only owe {$70.00} now this company is saying {$2200.00}. The original loan was {$250.00}. They keep calling my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and misleading items on my credit report. It has been greatly over 45 days I have not received a response yet. I feel like I'm being taken advantage of and my letter disputes are being ignored, and my disputes are being thrown on the back burner. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days, so they should be deleted immediately. I am very disappoint, frustrated, and stressed because of this problem. I demand that these items are deleted and updated or I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX/Department Stores National Bank That i can't make payments on time because i'm affected in covid19 crises by not being able to work, the above bank agreed with me that i don't have to make a payment for 2 months, and they will not report late on reports as the law requires, My Reference Number for XXXX covid 19 agreement is # XXXX But XXXX/DSNB did reported late on my reports late for XX/XX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian, XXXX, and XXXX repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have review many times with the three credit bureaus my address and try to fix this many times and this gets to be very exhausting. I have also filed a police report as well. Yea half ago my mail just stop coming to my addres were I live so u have to pay for a XXXX XXXX XXXX. The post master never figure it out and never got back to me. I have called many times each of all the credit cards and loan companys every time I move what my new adtesss is. I also do a fowarding address. I am not a big fan of getting paper statements. I will get them electronically sent to me cause of this issue. I know for a fact when I left one address for the first three years I did not have mail going there I only had one just automatically show up there. After threee years. So I made the phone call to XXXX XXXX fixed it. Now I have 9 places that are reports my address. How does that eve. Happen. What is the casue of that. XXXX XXXX XXXX I use the app I know they dont have my old address. XXXX XXXX I know they dont have my old address I have my current one right here in front of me. Also it makes me worry that I have student loans going to an old address there are nine credit cards going to to an old address I am wondering if someone has open stuff in my name. I have claimed identity theft so many times to these banks they do not listen to me. They have cancelled my cards all in in one month. These cards all get closed for no reason on me then I see charges on my card that I dont recognize. XXXX XXXX XXXX is the worse they have three different address for me. This needs to be rectified. Were is Experian getting this information from. My credit report looks really bad it has caused emotional distress. I had to leave work casue of it. I need this fixed. Every time I dispute with Experian they just pretend they look at say it was fixed. They dont even do leg work. They come back and say its accurate. The only way they will go above for u is if u pay XXXX dollars a month