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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX misattribution : addresses should not be associated with me
Product: Student loan

A company named Allied Interstate is calling harassing me about my ex-husband, XXXX XXXX 's student loans. I have explained at least 5 different times that my cell number is not his number. I do n't have another phone number for him. Several reps repeated his last address they have on file. That is the last known mailing address I know he has. I do n't interact with him. I was left a message by an employee that he would continue to call until I provided another phone number to reach XXXX XXXX.
Product: Student loan

Payments were made by me, the co-signer, for 12 years. This amounted to {$40.00}, XXXX which exceeds the original loan amount by {$9700.00}. The original borrower has made no attempt to pay. I have made numerous attempts to get Navient to get the borrower to sign the release of co-signer form. This has not happened. I am now being harassed by Navient in the form of daily phone calls, emails, and USPS mail. 

I know that the State of California is one of many who have taken action against Navient for unfair loan practices.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment and concern regarding your failure to respond to my dispute, which I submitted to TransUnion on XX/XX/2023. It is distressing to note that despite the passage of time, I have not received any investigation results or communication from TransUnion pertaining to my dispute. This disregard for the Fair Credit Reporting Act ( FCRA ) obligations is a serious concern and has compelled me to seek a resolution through this complaint. In my dispute, I brought to your attention the presence of items on my credit report that I believe are not reporting accurately. I am committed to ensuring the accuracy and integrity of my credit report, and my dispute was an honest attempt to rectify the situation and have the inaccuracies addressed. However, I am deeply disappointed that TransUnion has not fulfilled its duty to investigate the dispute and provide me with the investigation results within the stipulated timeframe outlined by the FCRA. This lack of response not only violates the rights granted to me under the FCRA but also has a significant impact on my financial standing and peace of mind.
Product: Credit card or prepaid card

Someone applied for Wells Fargo Credit card on my name on XXXX and this fraud happened last yearXX/XX/XXXX and this year.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Access and Privacy Violation of Credit Report Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the unauthorized access and privacy violation of my credit report. I recently became aware an entity has accessed my credit report without my consent AGAIN. This unauthorized access has raised concerns regarding the security and confidentiality of my personal and financial information. I have documented very severe violations by JP Morgan Chase, which have been disregarded. 

I have taken the necessary steps to review my credit report and have confirmed there is no legitimate permissible purpose for this unauthorized access. Such action is a clear violation of the Fair Credit Reporting Act ( FCRA ) and infringes upon my rights as a consumer to protect the privacy of my credit information.
Product: Debt collection

I am receiving calls from a company that asserts that I still owe money on an account that I paid off in XXXX 2013. 
This account shows " paid, closed '' on my credit report since XXXX 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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

TransUnion keeps reporting that I have a balance with XXXX XXXX. I have paid XXXX XXXX XXXX off. Last week I opened a dispute. yesterday my score went up to XXXX, today it fell back down to XXXX. Everyday Transunion keeps reporting different amounts for this company. It also appears they are disorganized and multiple people are tampering with my account. XXXX XXXX phone # is XXXX. They can verify I am paid in full with a credit on my acct. Transunion is always reporting everyday which the other 2 reporting agencies does not do this. It is only every 30 days, I am very irritated with TransUnion.
Product: Credit card

I have a WELLS FARGO ACTIVE CASH VISA CARD. It has a positive balance of {$360.00}. I don't want to use this credit card as they didn't handled my dispute very well. So i called and talked to XXXX today. I asked him to send me the money by check at my address. For which he refused. He said that I need to use the credit card. I am without job now and I want this money. It's legitimate money that I am asking and it's my money. I had XXXX disputes and only dispute gets rewarded in my favor.
Product: Credit reporting or other personal consumer reports

I am writing to exercise my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and hereby request to opt out of any and all authorization for inquiries on my credit report, except those that fall under permissible purposes as defined by the FCRA. 
According to the FCRA, permissible purposes include specific categories for which entities can access and use consumer credit information. However, I am revoking any consent that may have allowed you or any authorized entities to access my credit report for purposes other than those permissible under the FCRA. 

For the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/19, XXXX  XXXX charged me a {$100.00} pet fee for bringing my dog into the airplane cabin during my flight from XXXX to XXXX, XXXX. 

The Bank of America Premium Rewards Credit Card advertises a benefit called a {$100.00} Airline Incidental Statement Credit for purchases such as airline incidentals. There is no exclusion on airline incidentals being limited to certain items on the BofA website, as it uses the term of art such as to only provide examples of airline incidentals ( not limit them to specific items ). 

When we requested the Airline Incidental credit for the pet fee, Bank of America denied it because they said this was like a pet needing its own airline ticket to travel, and tickets are not incidental fees. This is not true. XXXX XXXX own website calls it a {$100.00} pet fee. We do not control how or what the airline reports, and BofA said certain airlines are excluded from the Airline Incidental credit. This is fraudulent and misleading on Bank of Americas part to promise a benefit to customers and then retract it by claiming a pet fee is a separate ticket, or that all of a sudden, XXXX  XXXX is not eligible because of the way Airline Incidentals are coded. 

I dont think BofA should be allowed to post fraudulent and misleading information on its website promising an Airline Incidental Statement Credit when they do not honor a common sense interpretation of a pet fee traveling with an airline passenger to be a fee incidental to airline travel.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for XXXX from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX, Oregon XXXX has reported a hard inquiry on my credit report. I do not know this company and have not applied for or have never done business with this company. This company does not have an application with my signature.
Product: Credit card

On XX/XX/XXXX, I received a notification from my bank indicating that our account was overdrawn due to an unauthorized payment of {$2600.00} to Chase for my XXXX credit card 's full balance. I did not receive any email confirmation for this unauthorized transaction. Subsequently, I spoke with a supervisor who assured me of a full refund by the XXXX. However, the refund was not processed, and upon contacting another supervisor, I was informed that I would have to wait an additional 7 to 10 days. 

Despite explaining the urgency of needing the funds they withdrew without my explicit consent, the supervisor displayed a lack of empathy for their mistake. I had to borrow money from various family members to cover essential expenses such as bills and groceries. I am seeking a prompt resolution to this matter and would appreciate information on my rights, as this situation appears to be highly irregular and possibly illegal. Thank you for your time and attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that are on all three of my credits report ( XXXX, XXXX and XXXX ) are not accurate. I have try to contact them a few time and i haven't heard back from them. 

Here are the credit cards : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Last payment to original debtor, CashNetUSA, was on XX/XX/XXXX. Debt was sold to another company, XXXX XXXX XXXX at unknown time. XXXX XXXX XXXX has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line XXXX on page XXXX of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : XXXX # debts.
Product: Debt collection

ThiS attorney, XXXX XXXX has used an out of state servicer that mails letters to address that does not correspond to the last address of record of XXXX XXXX and XXXX XXXX so that he confuses the judge Being an officer of the court, using this tactics to advance his quest to get paid legal fees using deceit should be extinguished to avoid rings of confusion that end up hurting people who do not know anything about this debt incurred by a thrid party illegally. 

My address has been used ilicitly by XXXX XXXX XXXX, as authorized signer for ID solutions at request of the attorney who wants to lie to the court using this. ompany by thelling them that XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX NM XXXX where in reality this person has NOT LIVED IN THIS ADDRESS FOR THE LAST 13 YEARS so this is LYING TO THE COURT BY A COURT OFFICER WHO USES THIS OUTFIT CALLED OD solutions to ROB MY IDENTITY AND THAT OF MY MOTHER MY MOTHER IS XXXX XXXX MARRIED TO DECESED MILITARY OFFICER XXXX XXXX, A WIDOW. SHE HAS NOTHING TO DO WITH XXXX XXXX, AN XXXX  FROM XXXX WHO HAS NOT ANSWERED OR PAID THIS ATTORNEY FOR HIS FEES. 

I DID NOT HIRE HIM PLEASECEASE AND DESIST OR SHOW A CONTRACT BETWEN YOU AND I FOR YOUR LEGAL FEES. 

YOU SHOULD BE ASHAMED TO LIE TO THE JUDGE YOU SERVED THE XXXX XXXX AND XXXX XXXX AT MY HOUSE YOU OULD NOT HAVE I LIVED THERE FOR THE LAST DECADE THEY HAVE NOT!!!! 
this company that was hired by this attorney to confuse the judge, this is a crime, and shold be investigated and punished. An attorney should know better. 

Please stop harassing me legally for bills incurred by you from your client that has nothing to do with me. Leave my family alone you have harsased us for a second mortggage that was obtained by a third person we d onot know anything about and you have harasssed us legally for over a decade The debtors did not pay you for that debt. You well know the address of the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I tried to request my credit report. Experian said sorry, we were unable to verify your identity because of one of the following reasons : You didn't answer the security question correctly, you didn't answer the questions in time, we are having technical difficulties. I called they're not having technical difficulties. I answered the questions in time. I answered the questions all correct. The questions should be specific. For example : is your current car payment between this price amount? Who did you get financing with? But when they bring up a question that is worded wrong or they ask did you work for a company name and if you answer no they don't allow you to have the credit report that seems tricky or being explicitly difficult. Sure the company XXXX XXXX had my initials, but it is not a business I worked for. The questions should have very specific answers that have to do with your identity, current address or something that is concrete. 

One of the questions was not worded properly it asked if I had worked for XXXX XXXX. No I did not. They obviously got this information wrong and assumed I did. I answered it properly. Experian in my opinion violates the law and is intentionally difficult to people trying to get their credit reports. XXXX and XXXX have a process that is easy and without questions. Experian should be dinged by the better business bureau because this is simply unfair to deny a person their credit report based on Experian 's mistakes. 
Experian verified my phone number & email. I verified my social security number. I've sent Experian certified letters to note my account. I spoke to them on the phone prior to requesting the report on XXXX 

They shouldn't put a time limit on the questions and if they do they should set it at more than 5 minutes. It is an unnecessary obstacle that they should not put their customers through
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. 

Account name : XXXX XXXX Account Number 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Debt collection

I have received a letter and now twice derogatory comments on my credit reports from Credence Resource management. It is in the amount of {$320.00} for XXXX  XXXX  I do not have an account with XXXX  or XXXX XXXX. I sent them an email per the letter that was sent to me stating that I could to dispute the charges they have never returned any information to me that I requested that shows where any type of contract was signed for this I have never signed for this. This is not me. It is either stolen information of mine or someone else, but I do not have this account
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 U.S.C 1681 section 602A. States I have the right to privacy.

15U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my handwritten instructions.
Product: Checking or savings account

In XXXX of 2023 my debit card was charged {$500.00} three times and one charge for {$1000.00} on my Truist debit card. No fraud alerts were sent to me asking if I was the one making withdrawals. XXXX XXXX XXXX ( XXXX  ) who I did business with in the past claimed there was a glitch.they apologized and said a refund would be issued. I sent Truist all of the responses I got from this company. I sent emails to XXXX... well we are almost in XXXX... they credited my account {$2500.00} but the case is still not resolved..their customer service says there are waiting to hear back from the company... really? What if they went out of business? So my thing is, what are they going to tell me? We denied your claim because we have not heard from merchant? I already told Truist what my next step will be if they deny my claim and take back the {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with experian to clear all data that is hindering my credit report. this has been an ongoing issue that needs to be resolved asap. alot of data is not accurate on all XXXX credit files. please review an remove the listed items to clear my credit report asap.