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

After sending information to verify myself with my disputes, Equifax, XXXX, & XXXX  have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. Please see items below XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of accounts and inquiries listed below from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach and these accounts and inquiries are fraudulent. 
The following accounts must be blocked and deleted immediately : XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2900.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$210.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$3800.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$1800.00} Additionally, the following inquiries must be removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX;XXXX,XXXX;XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Around or about XXXX, second or third I Lost my usbank relia card @ XXXX XXXX. I canceled my card and asked for a replacement card. When I received the new card I was unable to activate it. Relia card services told me to fax in my vital statistics to verify my identity. On XX/XX/2020 I faxed the verification from the library. Later I was told they didn't receive it. I faxed it again and again. I was told it wasn't legible. So I mailed it in. And they are still not releasing my pandemic unemployment assistance in the amount of {$1400.00}. it is now XXXX. I have been hung up on and talked to very disrespectfully. Now customer service is saying I have to send them a XXXX or any of my tax information then I informed them that I'm on pandemic assistance. I don't have a XXXX. I didn't make enough money to file I only made {$100.00} XXXX {$150.00} a month getting XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A card services company should not be asking for my tax information anyway. Then they want me to take a selfie with my id held next to my Face but the web site is bogus and also ask for your card number and pin number ... I'm behind in rent and utilities and can really use the help to them to release my pandemic assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX XXXX XXXX added a derogatory mark on my credit report per Experian and XXXX. XXXX, however, quickly updated my records as requested and found that I was never late with payment. Upon further research, this account was a part of a lawsuit that was just that found XXXX  at fault for a policy of allowing dealers to increase or markup consumers risk-based interest rates, and paying dealers from those markups, and that the policy lacked adequate controls or monitoring. As a result, it was found that that the markup policy resulted in XXXX American, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated XXXX XXXX  borrowers. As an XXXX American I also feel they reported my payments late right after was awarded to those affected by their ethics. I was never late with my payments and therefore asked that my payment history be corrected to reflect my on-time payment history. There was NO written form of communication, contract, or signature for this accused late payment. A bill without a signature does not validate my payment being late and anyone could change the date the payment was received to another date. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I am requesting legal action to update my payment history immediately.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Status : Charge-Off Status Update : XX/XX/XXXX Transferred to another lender Purchased by another lender Balance {$0.00} Balance Updated XX/XX/XXXX Credit limit {$1100.00} Account info Open/closed Closed Date opened XX/XX/XXXX Account type Credit Card PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Company sold Original creditor-
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian about the credit reporting information and my score not going up although my score has went up on XXXX and XXXX. They are still showing accounts that should have been removed.
Product: Student loan

See related complaint : XXXX Have been attempting to get the US Department of Education and Mohela to process my PSLF application for literally months, as I reached 120 payments a while ago. Because they have delayed in processing, I am still required to make monthly payment to Mohela. 

I not only submitted multiple PSLF forgiveness applications dating back to XXXX and XXXX, but I submitted buyback requests and reconsideration requests that were IGNORED and closed without any response. I made a payment in XX/XX/XXXX that DEPT OF ED is ignoring and not counting because of some arbitrary rule they made up, DESPITE THAT MY PAYMENT WAS MADE BEFORE THEY ENTERED EVERYONE INTO AN INVOLUNTARY FORBEARANCE. 

Despite that, I have persisted. I made my # XXXX no later than XX/XX/XXXX if the XX/XX/XXXX was counted. Regardless, I made yet another payment for XX/XX/XXXX, just so I could be finished. That STILL hasn't processed and now I have a XX/XX/XXXX payment due in LITERALLY 7 DAYS. 

To avoid that, I have to be in a forbearance. I have repeatedly requested forbearance, which has been ignored. 

Not only is the Dept of Ed taking too long to process applications, but a large part of the problem is that MOHELA is not accurately and timely reporting payment histories to the Dept of Ed. 

When I attempted to call Mohela on XX/XX/XXXX for a processing Forbearance to avoid paying months I do not owe, I sat on hold for over two hours before I was abruptly hung up on. I had to call back, whereupon I was told it would be ANOTHER 97 minutes before my turn in line ( after they hung up on me and lost my place in line ). I requested them to initiate a callback and they did not call back. 

In the meantime, my application sits ignored, even though I should have been forgiven in XXXX. Once forgiven, the DEPT OF ED takes forever to inform their servicer, DURING WHICH TIME I AM STILL EXPECTED TO PAY THEM SINCE I CAN NOT GET THEM ON THE PHONE, NOR OBTAIN AN ONLINE FORBEARANCE. I made what is INDISPUTABLY my last payment in early XXXX. Dept of Ed continues to ignore my repeated Apps for forgiveness. This should have been handled over a month ago.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my consumer reports that is not mine, these are all unaurthorized accounts that I have no knowledge of per 15 USC 1681
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I have noted that someone has used my identity to obtain credit from various creditors and wireless companies. it appears that my identity has been compromise and as a results I have become a victim of of identity theft. I have submitted a report with FTC to alert all reporting credit bureaus regarding the issues I am expecting a prompt resolution from the credit bureaus to remove these fraudulent accounts from my credit profile. 

Thank you
Product: Debt collection

I am writing to express my extreme frustration and disbelief regarding the handling of my dispute concerning fraudulent information in my credit file. I have repeatedly informed you that I am a victim of identity theft, and I have provided substantial evidence to support my claim. Despite this, it appears that the fraudulent accounts continue to persist in my credit report. I emphatically demand the immediate removal of the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I find it unacceptable that, despite my clear statements and the evidence I've provided, these fraudulent accounts are not being blocked from my credit file. It is imperative that you take immediate action to rectify this situation. I want to emphasize that the other bureaus have already taken the necessary steps to remove some of these fraudulent accounts from their records. They identified errors and promptly rectified the situation. I am perplexed about how your bureau has verified this information while others have successfully removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the account XXXX 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? Under the laws of the FDCPA, I haven contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 

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5 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. 

The following items on my credit report are inaccurate and need to be addressed : ALLY FINANCIAL - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX I ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. 

Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Product: Mortgage

This is a UDAAP violation. We were enticed to refinance our mortgage with the promotion of a $XXXX   credit or a promotional XXXX.  To date, we have not received our XXXX. I have been told it would be shipped in a batch shipment from corporate in XX/XX/XXXX. I followed up XX/XX/XXXX asking for a tracking #.  I was told it did not ship. I was told they would over night one on XX/XX/XXXX. Then I was told they were at a XX/XX/XXXX party and then they had the XXXX. Then I was told they didn't understand the promotional program ( all in writing all in a series of serveral emails)  multiple follow up emails of empty promises . I told them I wanted this escalated to a manager and this was a udaap violation. Now nobody will speak to me.Emails from me asking for updates on the XXXX- XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19-e mail from XXXX XXXX saying on the list to receive it should be going out shortly. XX/XX/19, XX/XX/19- attaching some examples where they say its being sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

On XX/XX/year>, i went to move money from my savings to my checking. it kept saying it wasnt eligible. I called J.p. Morgan chase and they told me my account is restricted and it will be closed. they said a XXXX dispute from XX/XX/XXXX is the reason why. it doesnt make sense for someone to dispute a payment they sent XXXX months later. ive called and repeated asked for answers as to why this happening and they refuse to give me answers. there was no fraud on my account. there hasnt been any to begin with. all they keep telling me is that theyve opened up a case and they will get back to me. ive had to call them every single time. the bank told me they would close my account XX/XX/XXXX and my money wont be sent out till the XXXX. thats unfair and isnt right at all. theyve continued to hit me with misinformation. ive banked with them for a year and my credit and bills go through that account. today is XX/XX/XXXX and i still havent seen my money. I also will state that the same exact thing happened to someone who was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they got it fixed as soon as possible for there case.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments company responded and provided supporting documentation that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items 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 alleged information showing on my credit report. I therefore request that you immediately remove these items 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. 
XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion staff taking my debt off my credit report XXXX day and putting it back on the next day forcing my credit score to drop extremely low this is wrong and why the government is reporting that USA have very low credit report scores because of this type of unfair practice by consumers credit report companies
Product: Consumer Loan

Capitol one autofinance has continually called me and my employer. They call me multiple times a day from multiple numbers. They dont leave messages or identify themselves. They had disclosed the nature of the call to my employer when i wasnt there.
Product: Mortgage

Dear Investigation officer, I have been paying mortgage from the same bank account for last 1 year and the money was available, but the payment was bounced & marked for 30 days late. I have reached out to the company & they have given me a runaround for the last 3 weeks without any satisfactory answer. I have submitted to show the bank statement that the money was available but as of now there is no result.
Product: Money transfer, virtual currency, or money service

To Whom It XXXX Concern : On XX/XX/2023, I remitted USD {$500.00} from my account held with XXXX XXXX  XXXX to be deposited at XXXX XXXX XXXX  XXXX XXXX XXXX via XXXX transfer on the Remitly Application, an American online remittance service. The transactions reference number is : XXXX. However, a few days later I noticed the funds were never received to my account. I contacted XXXX XXXX XXXX  XXXX XXXX XXXX and they stated they never received the funds. They provided me a Bank XXXX, which shows the funds were never deposited. I then contacted Remitly to inform them of the matter and they advised me that they are investigating the transaction, but will not provide me the funds back. I sent the Bank XXXX as well as the transfer documents as proof of the funds not sent as well. I contacted Remitly multiple times asking for an update and they are unable to provide me XXXX as the calls were routing to a different country ( i.e. XXXX ) and not a call center within the United States. I even asked to speak to a supervisor regarding this urgent matter and they either hang up the phone or inform me I have to wait for XXXX hours to speak to one. Please assist and advise on this transaction matter. Thank you.
Product: Credit card

I have attached a detailed description in XXXX  format below. Please review thoroughly and feel free to post the text to your website so others know Discover Bank and Discover Card acts in fraudulent ways, acts with malicious intent, and retaliates against properly filed and documented issues. Thanks.