23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

In early XXXX I received a prepaid debit card " as a result of a credit balance or overpayment on my Chrysler Capital account '' for {$250.00}. Card is issued by XXXX XXXX XXXXand administered by XXXX XXXX XXXX XXXX XXXX. I would like this refund in the form of a check which I am entitled to get. Yet it has been difficult to do. 

For background : I had a car lease with Chrysler Capital which expired in XX/XX/year>. 

I have tried calling the customer service number on the card various times. But the number is only for activating the card or finding out card balance. I have also emailed prepaidhelp XXXX XXXX  and XXXX ( the latter is included in the document provided with the card ) to no avail. 

They certainly don't make it easy to get your money. 

This is the second time that Chrysler Capital has sent me a refund in the form of a prepaid card. The last one was in XXXX for {$250.00}. When asked why they sent me a debit card instead of a check, I was told that Chrysler Cap does not issue checks under {$500.00}. So, why send me two prepaid cards instead of a check? ( Fortunately, I was able to get that check. ) I don't think it's fair for Chrysler to just go ahead and make a deal with a credit card company to send out prepaid cards in lieu of checks. At the very least they should ask the customer for their preference. After all, they have all the contact information. 

Thank you for your help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXt Final Rule 002.142 ( b ) ( 4 ) -5 -- 1002.42 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I listed accounts to be blocked and deleted company information Transunion. Please delete the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am not connected to these inquiries in any way and have no relationship with the mentioned creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXXXXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Product: Credit reporting or other personal consumer reports

Information compromised in a data breach, identity was compromised, and accounts were established without my knowing or permission.
Product: Checking or savings account

I had an account at Regions Bank, Debit Card Number XXXX XXXX XXXX XXXX. There were numerous charges on my card/account from XXXX. I do not own any XXXX devices. I informed Regions Bank that the charges were fraudulent. Regions changed my debit card and the fraudulent charges stopped. However, Regions refused to credit me for the fraudulent charges. I went into the branch ( XXXX XXXX, XXXX, FL ) with my husband to request that the fraudulent charges be credited. The branch manager XXXX XXXX XXXX and employees refused to credit my account or otherwise assist me and threatened to call the police when I complained about their bad service. I closed the account but Regions still owes me the money for the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not apply for credit during these times/dates stated below these are unauthorized inquiry i called the XXXX major credit bureaus and they told me to file a complaint with the cfpb and reach back out to them in a couple weeks XXXXXXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 TransUnion XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF IDENTITY THEFT. THESE ALLEGED ACCOUNTS DO NOT BELONG TO ME. BLOCK and DELETE IMMEDIATELY FROM MY CREDIT REPORT. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following names are being reported on my consumer report and it is not my identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are being reported on my consumer report that are not mine and need to be removed immediately. 

XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX, NC XXXX The only name that should appear on my consumer report is the following. 

XXXX XXXX XXXX XXXX The only address that should appear on my consumer report is the following XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX  and XXXX  Are reporting this Account Inaccurate I have been disputing for about 5 months with each bureau I have attached the dates and months XXXX  has replied and said the account is verified this account was sold to another company years ago I have attached the letter that shows the company that the account Was sold to the issue is The XXXX Bureaus are reporting inaccurate information they are reporting a past due balance of {$4200.00} And its still reporting late payments when XXXX XXXX even own the account any more. 

XXXX  # XXXX Next issue is this account With ( XXXX   ONLY XXXX XXXX XXXX Bank # XXXX I have a active account with this company thats in good standing never missed a payment Yet XXXX  has XXXX accounts the XXXX that I currently have which is fine and they have another account with the same credit card company thats a chargeoff been disputing that account for 5 months and they keep disputing my good account also I dont have this problem with the other XXXX bureaus only XXXX who is reporting this chargeoff the other XXXX bureaus have the correct information which should just be the XXXX account I have with this company I contacted the card company and they only have the card im currently using i explained that to XXXX  for months now and have been disputing this account and they wont remove it. 



Next issue is with ( XXXX  Only ) TransUnion and Equifax removed this account for being inaccurate years ago I contacted the company company and they have no record of the account XXXX  says it was probably Sold and tells me to get in contact with the company which I have done numerous times and they have no record of the account or of it being sold The account im referring to is XXXX XXXX   XXXX Next issue is with account XXXX I have attached all the paper work that shows this account was sold to another company Then it was referred to a Outside attorney office when I contacted ComenityBank they sent me a letter saying the account is no longer in there office the account has been paid in full the collection company XXXX XXXX XXXX XXXX has Removed the account from all XXXX bureaus XXXX, TransUnion and XXXX  XXXX remove the XXXX they keep referring me to contact XXXX and they keep telling me they dont handle the account anymore but they chargeoff is still reporting on all XXXX bureaus
Product: Credit reporting or other personal consumer reports

This car was NEVER repossessed. This car was totaled XX/XX/year>. They placed it on my credit report as a repossession when it was a total loss. The information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to brush off my complaint saying they responded and there is no new information. The key is I did not reply to their first responses due to being locked out on here. I even complaint to XXXX XXXX XXXX and that is their defense. My credit reports are wrong. They have me reported in 2 different months for yr over 30 days 2020 claim which is appearing to look like 60 days. And late 2020 the 60 days late is incorrect on all they reported it from XXXX to XXXX which looks to creditors that Im over 150 days. 

XXXX admit that I tried to call to make my payment on the XXXX day 6 times but their system kept timing me out! That is what happened to me. Transferring me to a rep but they were closed. I made a complaint on XXXX road side assistance now who caused the delay of me paying it on time due to them not covering my tow expenses and taking over 2 months to refund me. Both companies are avoiding the responsibility to fix it. I have provided my credit report and after 2 complaints here they ignore to change it and its reported wrong on all months on different reports. I dont understand why they wont take it off and they fight against me. Im buying a new bmw my lease is up and I am not going to use their financing. Fix my report this is NEW information and stop avoiding my claims, I will not stop Im going to speak to an attorney next. Have someone else look at my claim a supervisor You feel you can just put whatever you feel knowing its wrong. I was not 30 days late. I called the XXXX day your phone system you confirmed this and know I called to pay. This is new information stop avoiding my claim. I did not get to respond to your reply! This is my reply to your XX/XX/XXXX response.
Product: Money transfer, virtual currency, or money service

I was purchasing something over XXXX of {$170.00}, turns out it was a scam and the person never returned my money. The money was sent on XXXX XXXX. I sent the case to Wells Fargo but they didnt approve of my claim on XXXX XXXX and my card was charged back of {$170.00}.
Product: Credit reporting, credit repair services, 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 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately from my credit report.
Product: Debt collection

Call was from XXXX PORTFOLIORECOVERY EVERYDAY -- many times a day. 

They do not leave any message. 

I have told them they have a wrong number. 

Calls keep coming!
Product: Student loan

I am a co-borrower on a spousal consolidation federal student loan serviced by Nelnet. The " primary '' borrower is my ex-spouse. We have been divorced a decade and he has never submitted a payment. 

I am currently awaiting the Department of Education and/ or Nelnet to implement processes under the new Joint Consolidation Loan Separation act, which became law in XX/XX/XXXX. Under this law, I **do not need the permission or concurrence of a co-borrower** to apply for and obtain loan separation, affording me the right to pay for only my portion of the loan. My situation meets the criteria for a separate application. 

Meanwhile, the loan servicer is required to allow me to enter an administrative forbearance period until the separation process is fully established. Nelnet refuses to grant me this forbearance, stating that I need the co-borrower 's permission to do even this. This is despite the facts that 1. Neither I nor Nelnet know his whereabouts ; 2. I am legally permitted to request and be granted the forbearance ; 3. The servicer is legally required to grant it ; 4. I am the exclusive payer on this loan, always have been, and am evidently the sole person contacted when payments are late ; 5. I have filed a complaint and my intent to separate loans with the Federal Student Aid Ombudsman, as the Department of Education has instructed joint borrowers to do ; 6. The Ombudsman has contacted Nelnet to inform them of my intent.

This loan, originated in 2001 -- 23 years ago!! -- now has a higher balance than its original, in spite of my making regular payments above the minimum due for over a decade. I am also currently paying on the individual loan which was used for my own undergraduate program. These two payments, my own loan and one over which I have absolutely no control although it's comprised of approximately 1/4 my own tuition ( my accrual was considerably less than my former spouse 's ), now total about {$1000.00} per month.

My hope is that with this report as well as my report to the Department of Education I may finally be granted my legal rights under the new Joint Consolidation Loan Separation Act.

Should you need to contact me and/ or Nelnet , this loan is in the ex-spouse 's name, and only my former married name ( XXXX XXXX XXXX XXXX is associated with it. I have his SSN as well as the loan number ( s ) available. 

Many thanks, XXXX XXXX XXXX
Product: Checking or savings account

Because I am a Citibank credit card customer, they solicited me to open a savings account. I opened this account on-line in XX/XX/2021. On XX/XX/2021, I responded to a request for information via fax. I deposited additional funds to the account several times over the last year until this month. At no time did I get ANY notification of any issues with the account - not any alerts, no letters, nothing on monthly statements. When I attempted to withdraw some money 3 weeks ago ( via an on-line transfer ) it was blocked. I have now called " customer service '' over 15 times and talked to over 50 individuals, many of the calls unintelligible. I discovered after the XXXX or XXXX call that Citibank put a hold on my account to prevent me from withdrawing ANY money in any way. I have now faxed documents 3 times and mailed documentation to an address I was given after my 7th call ( with delivery confirmation ). Initially I was told that " their system was down '' and they couldn't confirm document receipt. Now I am being told that my documents have been " rejected ''. Every time I get a different answer concerning who to talk to, what to submit and what will be sufficient to address this " hold ''. This has gone on for 4 weeks. MY MONEY IS BEING HELD HOSTAGE.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau and CFPB ; Hopefully, you can help me out. Its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment noted. They have not supplied this information and they must delete the alleged late payments on my credit report. Under Federal Law, they had 30 days to complete the investigation and by failing to do so, the item must be deleted from my credit report as soon as possible. Please see attachments.
Product: Credit card or prepaid card

I have a credit card with Capital one bank and Ive tried to dispute this several times since XXXX. XX/XX/2020, during the pandemic, I spoke with a representative that said she would defer my account due to the financial crisis the entire world faced. I explained to the agent that I will resume making payments XX/XX/2020. I now have XXXX late payments ( XXXX and XX/XX/2020 ) on my report that shouldnt even be there. Ive tried time and time again to dispute it but they arent removing the falsely reported late payments. Ive explained to them that Ive made all my payments on time before and after that and they still wont Stop reporting a late payment for those months even after a clean record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request a new investigation and dispute re-insertion. A simple letter is sufficient : On XX/XX/2020 I discovered XXXX  XXXX XXXX had been re-inserted into my credit file. You are required to notify me of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

Neither XXXX  nor the collection agency has provided me with debt validation letter nor a reinsertion letter the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you. Additionally, the creditor who reinserts the negative item must also certify the information is correct.
Product: Credit reporting or other personal consumer reports

I had sent the following letter to Transunion via XXXX certified mail. I will post the contents of the letter below. I had recently tried to get an auto loan for which I was turned down for. I had checked into my credit file and found my identity was used to open several accounts. 
RE : File number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

I had supplied the credit report which clearly marked the accounts in question, along with ample proof of identity. I also included a copy of the Identity theft report, and a copy of 605B. This letter was sent out on XX/XX/2024 after putting a security freeze on my credit. They received the letter on XX/XX/2024. I received a letter today XX/XX/2024 which the letter is dated XX/XX/2024, but postmarked as XX/XX/2024 which is over the 4 day threshold. In their letter, they are refusing to block the fraudulent items on my credit, even though all required proof was submitted. The other XXXX credit bureaus blocked the information and deleted as such as required by law. I firmly believe that this is an intentional move by Transunion as they have no intention of righting a wrong and do not care about how a victim like me already has their life turned XXXX down and will not help, nor do what is legally binding to clear this crime up. I have also sent in the latest letter proof of a multitude of breaches I was involved with just as a supplement.
Product: Credit reporting or other personal consumer reports

In my original complaint regarding the inaccurate reporting of a collection account by XXXX, associated with XXXX XXXX XXXX XXXX, I provided detailed information showing that the account had been fully paid. Despite this, the account is still being reported as open with a balance of {$910.00}, which is causing damage to my credit report. 

On [ insert date of original complaint ], I submitted a formal dispute through the appropriate channels. I received a response from XXXX on [ insert date of response ], stating that they were unable to locate my credit report. Following this, I sent the requested identification and documentation, but the issue remains unresolved, and the inaccurate information is still listed on my credit file.

Student Loan Relief Context : It is important to note that under the recent student loan relief efforts implemented by the Biden administration, there have been significant changes in how student loans and related accounts should be handled. These reforms provide protections for borrowers, including more accurate reporting of loans and collection accounts. The ongoing incorrect reporting of this account, despite it being paid, goes against both the Fair Credit Reporting Act ( FCRA ) and the intent behind the Biden administration 's student loan relief polici

es, which aim to protect borrowers from harmful credit practices and ensure accurate reporting of student debt.

Relevant Legal Protections : FCRA Violation : Under 15 U.S. Code 1681s-2, data furnishers must report accurate information. The continued reporting of this account as open and derogatory is a violation of this law.

FDCPA Violation : As per 15 U.S. Code 1692e, debt collectors are prohibited from providing false or misleading information. Since the debt has been settled, it should not appear as
open or delinquent.

Student Loan Relief Protections : Under new federal protections and relief measures, the inaccurate handling of student-related debts, such as this one, undermines the goals of the Biden administrations relief efforts and the protections guaranteed to borrowers.

Request for Resolution : I am requesting immediate action to correct this inaccurate reporting. The account should be updated to reflect a {$0.00} balance and " Paid in Full '' status, and all derogatory remarks should be removed. If this issue is not resolved promptly, I will be left with no choice but to take further legal action to enforce my rights under federal law and ensure compliance with recent student loan relief protections.
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt on behalf of XXXX XXXX that does not belong to me. The account number is XXXX. According to Transworld Systems , Inc., XXXX is reporting this account to the credit bureau. I have never lived in Texas nor have I done business with XXXX XXXX or XXXX XXXX.