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

I am writing to dispute the account referenced XXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/2022 which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Also attached is the credit report showing the inaccurate data.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from XXXX and I noticed inquires that did not belong to me. 

XXXX XXXX  XXXX XX/XX/year> XXXX- XX/XX/year> After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX my vehicle was reposses by TitleMax and I filed a complaint on here before about it. They gave an explanation however in there explanation they sat rhe vehicle was sold and applied to previous fees. However they do not say how much the vehicle was sold for. Infact they break down every amount but when they get to the part the vehicle was sold they are very vague. How much was my XXXX XXXX sold for and how much were the fees owed? The car was eorth {$6400.00} I never got a XXXX from any sale. They need to be more clear and stop beating around the bush.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  ( Bank Credit Cards ), Inquiry date : XX/XX/2021 - This inquiry does notbelong to me
Product: Debt collection

Back in XXXX of 2017 I disputed a debt with Diversified Consultants. I wrote a letter asking for verification bc I have no knowledge of this debt. Diversified Consultants deleted the debt on XX/XX/2017. Diversified Consultants has placed the debt back on my consumer file and also reaged the debt stating it opened on XX/XX/2017. 
This company is deliberately commiting fraud and trying to collect on a debt that they clearly do NOT own, and then reaged the same debt that they could not verify back in XXXX of last year. All violations of the FDCRA.
Product: Student loan

I just wanted to do my part in taking down Navient for the unethical way they have handled my Student Loans. 

I have 5 individual loans totaling {$17000.00} the five are a combination of subsidized and unsubsidized loans, vary in amounts and interest rate. 

But the commonality shared between all of them is the fact that I am upside down. Owing more than the amount I initially borrowed. Not through any fault of my own ( outside of being an indecisive student making an attempt at college only to discover it is n't for everyone ). I was forced into multiple deferments, not given the option to keep paying as I attended school and as a result I now owe more than I borrowed, understood when you factor in interest, but not understandable when you factor what was accrued as a result of Navients practices. 

I am not attempting to get out of my responsibilities, though I would love my debt to be wiped clean as Torah calls for, after seven years, I understand I signed my name on the dotted line and must repay. But, I do below that I owe less than my current amount shows and want to be reimbursed for the amount accrued due to forced deferments. 

Navient deserves to be out of business for what they have done. They have taken advantage of people and are the epitome of predatorial financial institutions.I hope my complaint provides US DOJ with more ammunition to put this company in the grave where it belongs! 

CROOKS!
Product: Debt collection

I was contacted by XXXX. XXXX on XX/XX/XXXX. He threatened to sue me and arrest me if I did n't pay off a debt to him. Out of fear, I gave the requested {$500.00} that day, followed by an additional {$200.00} every month following until XX/XX/XXXX. After investigating, I learned this company is a debt scammer, not licensed in the state of California, and not applying the money given toward my debt as verified by my triple consumer report from XXXX. <P/>After canceling the financial information, I received 3 calls that day threatening to sue me once more.
Product: Payday loan, title loan, or personal loan

I obtained a credit building loan through XXXX, who immediately gave me {$2000.00} and kept {$3000.00} in a " secured savings '' until I paid off the loan. They then sold the loan to Systems and Services Technologies , Inc. I paid off the loan on XX/XX/2023 and it has a message stating : " Recently paid off loan? Please allow up to 15 business days for account closure, and then you will be able to transfer funds from this website. '' It has been 21 days and still I am not able to transfer my funds into my account. I have called numerous times and each time I am given a different answer. This is the number they give you to call : XXXX. When I give them my account number, it goes through an automated prompt and then shuts off. I have also emailed them numerous times ( XXXX ) and I get an autoresponse stating to call them. 
After paying off the loan on XX/XX/2023, they still deducted a payment of {$80.00} from my bank account, which threw all of my other payments off and caused several NSF charges and payments to be denied. They did refund the {$80.00}, but have not transferred my secured savings of {$3000.00} into my account. 
The first time I called in, the representative stated she could see where I paid off the loan and to wait a couple of hours for the closure to show up on the website. I did so, there was a " click here '' button to request transfer of funds. I went through all the motions and at the end, once I clicked " I agree '' there was an error message due to account status. I made a few more calls to SST. I was told to wait exactly 15 days. I did so, and when I called in again, I was told that there was going to be an email sent stating my account was closed and a link to request transfer of funds. 
I have yet to receive said email. 
I feel they have been very misleading and negligent in dealing with my account. Their message stated up to 15 days, not after. I signed an agreement with XXXX which made no mention of a 15 day period to receive my funds, I signed no such agreement with SST..
Product: Money transfer, virtual currency, or money service

I am XXXX complaint against Cash App ( blocked, inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. For the more the dispute resolution process was unfair and very deceptive, as they did not comply with error resolution requirements under the requirements of electrical fraud transfer act. ( EFTA ) in Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

According to 15 USC 1692 ( C ) you have violated my rights by unlawful communication please remove this collection off my credit reports. This account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX that no proof of the alleged debt, nor therefore any such debt in fact exists. Technical Murder.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX****. ( Please see page attached. ) This mortgage was transferred from XXXX XXXX to XXXX to XXXX XXXX which is part of XXXX. This was an In- house transfer with no notice given to me. I have had perfect paying history and this late is a mistake and should have been part of the ( 60 ) day grace period that restarted when XXXX XXXX switched me to XXXX XXXX in XXXX. This false reporting of a late is seriously harming my credit score and needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, which has resulted in unauthorized use of my personal information. Due to this breach, there are fraudulent accounts and inquiries listed on my credit report that were not authorized by me. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following account and inquiry from my credit file. 
Fraudulent Account to be Deleted : XXXXXXXX XXXX  ( Account No : XXXX ) XX/XX/XXXX {$1000.00} Fraudulent Inquiry to be Removed : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous unauthorized credit inquiries from various lenders. I contacted each credit bureau as I have a fraud alert on my credit report as to why each of these lenders was granted access to my credit along with providing me a copy of my credit report so I can see and contact those who violated this alert.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actionshave caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. According to the tool made available by Equifax Inc. my information has been impacted by this cyberattack, including my SSN, date of birth, address, and possibly my driver 's license number.
Product: Credit reporting or other personal consumer reports

I called Experian on several occasions to ask them to remove my old addresses and names from my report. They said they can not do that and hung up on me. I didnt understand because XXXX and XXXX removed the old information with no problem when I called and asked. As it stands, they have my XXXX mailbox ( XXXX Eucalyptus Ave. Unit G XXXX XXXX, CA XXXX ) on my report, a previous apartment ( XXXX Quail XXXX XXXX XXXX XXXX XXXX, A XXXX ), and a previous name ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, 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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found many fraudulent accounts that are hurting my ability to receive fair credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint reagrding the Fraudulent accounts I found on my updated Credit Reports. It has been a battle going through this and I am submitting yet another CFBP Complaint to delete the following fraudulent accounts in my file. The accounts I need deleted are listed below. I am a victim of identity theft and did not make these charges nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the Fraudulent accounts showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the accounts listed below as soon as possible in accordance with the Fair Credit Reporting Act section 605b : TRANSUNION : XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$440.00}
Product: Credit reporting or other personal consumer reports

This vehicle was totaled and removed from my insurance policy on XX/XX/year>. XXXX has since notified XXXX who has been in possession of the leased vehicle. There would be no payment due after XX/XX/year> yet XXXX has not returned my full security deposit, corrected the credit report as it should have been current and no payments due after XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX  : Acct number:XXXX I contact them they couldnt provide me validation letter. And the original lease. All they have is my vacate letter good terms. 
Wish I date it and sign on the XX/XX/2021. That was not the lease neither the contract. 
And I checked the name they have is way different then mine I dont have a middle name XXXX. ( XXXX XXXX XXXX ) is not my name my name is XXXX XXXX. 
XXXX XXXX accordance with fair credit regarding act XXXX  to those account has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C section 602 A section 2 : its also states a consumer reporting agency can not furnish a account without my instructions
Product: Debt collection

United Accounts was awarded a judgment against someone with the same name. They put the judgment on my property and refused to remove it when I showed them it was not my bill. I had to pay the bill to remove the judgment from the property.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and I noticed that there were some incorrect items on my report, I have been contacting them since  XXXX . They have still not responded to my request
Product: Debt collection

Someone from Caine & Weiner contacted me saying I owed {$390.00} to XXXX and they are collecting on their behalf. I dont owe it and I also, in writing, told them not to contact me again, but sure enough they did. And they showed me a screenshot of something that anyone can pull up on the State of Michigan business entity website. I am filing this complaint so that these predatory businesses get fined for taking illegal actions against people.
Product: Checking or savings account

I had an open account with BB & t for my business and for myself and I had maintained it for quite some time. I was arrested for a violation probations and was gone for 24 months and during that time someone had stolen my card and my account information and made several frauds on charges on my BB & t account as well as several of my others, I have reported this to BB & t with absolutely no assistance from the company and it has now a part of my credit report as well as XXXX, they have clothes my accounts and I had a positive history with them. I have attached several photos where you can tell over 30 transactions were done on XX/XX/2021 resulting in an account balance of XXXX and I was incarcerated
Product: Credit reporting or other personal consumer reports

XX/XX/ Subject : Dispute Regarding XXXX XXXX Resorts Timeshare / XXXX Charge To Whom It May Concern, I, XXXX XXXX, am submitting this statement regarding my dispute with XXXX XXXX XXXX that works with XXXX  Pay Line of Credit ( Account # XXXX ), due to deceptive and fraudulent sales practices. 
As XXXX  citizens facing financial and medical hardships, we were misled during the timeshare purchase process. We were promised a XXXX BuyBack Program Guarantee and falsely assured that we would receive a check covering maintenance fees. These promises were not honored, and attempts to contact XXXX sales personnel and member services for resolution have been ignored. 
We were subjected to misrepresentation, deceptive trade practices, and elder financial abuse in violation of Floridas Elder Abuse Law. We were not informed of our right to rescind until after the period had expired, leaving us trapped in a contract we can not afford. 
We are demanding that XXXX XXXX XXXX cancel our timeshare contract and refund all monies paid, as we were misled into this purchase under false pretenses. We request that XXXX acknowledge this dispute in our credit file as we seek resolution.
Product: Checking or savings account

I opened the savings account with promo code XXXX on XX/XX/XXXX. 
The promo stated to make a deposit of $ XXXX within XXXX  days of opening, hold the money for XXXX  days and receive bonus within XXXX days after holding. 
I made the deposit on XX/XX/XXXX and held funds until XX/XX/XXXX which is for XXXX  days. However, the institution ( Capital One Bank ) refuses to pay the bonus. They informed me that XXXX  days starts after XXXX  days period. This information was not disclosed to me at the time I opened the account. The promo summary didn't have any footnotes signals indicating that there is a additional period of XXXX  days before XXXX days. The terms and conditions also state XXXX  days in multiple places without any references to the additional XXXX  days. 
This is very misleading and institution was not upfront with the information and tried to hide the fact that there is XXXX  days funding period before XXXX  days.
Product: Credit reporting or other personal consumer reports

I have never had any Department of Education loans for XXXX There were originally two of these student loans from the department of education in the amount of, at that time when I learned about it like two years ago in the amount of {$5000.00} each. One account was showing that there's never been a payment made. The other account was showing payments were made then stopped made stopped. I contacted the Department of Education and they eventually removed one of those loans. I've kept disputing the second one and they refused to remove it off my report. I received a letter from the Department of Education. Stating my ssn does not come up in their system.Verifying that it is not my account. This has been creating a great hardship for me because I am unable to get credit housing due to the negative impact it has had and my credit score And worthiness. I have checked my report several times over the years.These are dating back to 2015, I would also like to know why i've never seen them prior to just 2 years ago? I would also like a lawsuit started in regards to this because they've simply ignored every request i've made and the bureau has come back stating they've investigated it when, in fact, they clearly have not.
Product: Debt collection

I pulled my credit file and saw I had XXXX ( XXXX ) collection item from Ad Astra Recovery Services. The creditor is XXXX XXXX XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XX/XX/2013. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
Product: Debt collection

I dont think its fair for this to show up on my credit report when they get a grant for me attending
Product: Checking or savings account

I needed a voided check. I googled chime technical support it gave me phone number XXXX it went through some identity verification steps and led me to a representative he had me download an app and give him the code..he was then viewing my screen and controlling my phone he emptied my account to someone name XXXX XXXX we were at some point disconnected and he called me back on phone number XXXX please help he drained XXXX from my account and I'm worried chime isn't going to reimburse me