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

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent XXXX findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Somebody put a kohls card in my name that wasnt me and had my information at the time and I am just now learning about this credit card fee
Product: Credit reporting or other personal consumer reports

My federal student loans were recently forgiven via the public service loan forgiveness program on XX/XX/year>. Transunion refuses to correct my student loan as closed paid in full and is instead listing the loan as deferred for 300 months. I disputed the loan account on XX/XX/year> attaching my pslf forgiveness letter from XXXX. Transunion refused to correct the loan entry. I then disputed the loan account again on XX/XX/year> attaching a copy of my forgiveness letter, a print out from XXXX showing the XXXX balance, and a print out from studentaid.gov showing the loan status as pain in full. Transunion again refused to correct the payment deferred status. Both XXXX  and XXXX have the loan status correct as closed paid in full, but Transunion refuses to fix this error. Can someone please help me get this corrected because the company is not helping. I also have not been able to see the actual dispute result letters on XXXX website and just get a message that Transunion is having technical difficulties every time I try to access it. The only reason I know the issues have not been corrected is because I have pulled subsequent credit reports after email alerts stating the investigations had been completed. Having this account listed as a deferred loan is not correct when it has been forgiven through pslf.
Product: Student loan

XXXX XXXX XXXX XXXX is showing 90-120 days late payments on credit report. I was told that I was in retroactive deferment. I was told that months that I had missed would have been taken care of but they are showing late on my credit report. The dates are XX/XX/2014 in three loans with XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft and am disputing several accounts and inquiries on my credit report that I did not authorize. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete all fraudulent accounts and inquiries listed below.

Fraudulent Accounts : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$190.00} Fraudulent 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the erroneous items in my file that resulted from an incorrect credit report information but I still have an inquiry left that needed to be removed. I recently reviewed my updated personal credit report and found that theres a remaining unauthorized credit inquiry still present. Despite sending an FTC report # XXXX, this inquiry has not been removed. I previously contacted the company listed below, asking them to remove this inquiry from their records and erase it from all credit reporting agencies. They assured me they would comply and resolve the issue. The company received a certified letter stating that the inquiry was unauthorized, and I requested its removal. I ask that you immediately delete the unauthorized inquiry mentioned below. The purpose of this complaint is to remove the unauthorized hard credit inquiry from my credit report. Theres still ONE ( 1 ) unauthorized inquiry listed below. I also attached here my new FTC report for your reference, with number XXXX : 1. XXXX XXXX XXXX XXXXXX/XX/year>. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. This complaint is to notify you if you do not REMOVE the listed inquiry on my report, I might be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable in an event of your willful noncompliance. This is your LAST NOTICE. Please REMOVE the INQUIRY resulting from a faulty credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have quite a few inquiries I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have written the bureaus several times concerning erroneous reporting on my credit profile. I began contacting them on XX/XX/XXXX. I followed up with them on XX/XX/XXXX and then again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Per Fair Credit Reporting Act 15 U.S.C 1681 15 U.S.C 1681 602 ( a ) ( 4 ). States I have the right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 604 ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following accounts are infringing on my rights. 

1. XXXX XXXX XXXX Account Number : XXXX You have verified the account and its reporting. This account can not be accurate. It is an open collections account with an illegally re-aged date of last activity. XXXX has the date of last activity as occurring in XXXX. You both get the same information from the furnisher so why such a discrepancy? 

2. XXXX XXXX XXXX Account Number : XXXX This account is also reporting as an open collection after I have disputed it several times. There is a lot of information missing in its reporting. 

3. No Furnisher Listed Account Number : XXXX This account does not even have a name for the furnisher.
Product: Money transfer, virtual currency, or money service

My PayPal account was cancelled and I dont know why. Listed in the generic statement I had activity against their policies. I tried to find out what I did that was wrong. Run around and no answer. Never have I learned how I have violated any policy. One day my account worked and the next it didnt. I still receive email advertisement from PayPal so I dont understand. I use my account to send money to family and online shopping and think PayPal adds a layer of protection to my actual bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Equifax also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX. Someone is impersonating me and stole my identity. My address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. I filled dispute in regard to bankruptcy reported on credit file. This company claimed that they verified through XXXX XXXX. I checked with them and they said that they did not provide that information. I did not grant anyone written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be deleted immediately My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : experian You have reported information that has damaged my reputation, caused me personal harm, and denial of credit products. Please remove these items now. I look forward to your response.
Product: Debt collection

I.Q. Data International , Inc. 
XXXX XXXX XXXX XXXX, WA XXXX I received my certified letter requesting validation of the following accounts : RE : XXXX ( account number ) They are attempting to collect on these accounts. Although, they never responded. Under the Finance Code for my state, the debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. All debt collectors operating in this state must be able to verify, or " validate, '' any debt on which they are attempting to collect payment. Georgia Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance XXXX XXXX information If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As such, all collection efforts on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. 



As of XXXX XXXX, I still have not heard from them. Under state and federal law I could sue them and ask for thousands. However, I would like to make every effort to resolve this matter amicably without presenting this case in court before a jury in my community. 

I've have sent 2 letter for debt of validation on XX/XX/2022 and XX/XX/2022 and still haven't received anything regarding to that account. 


If they delete the account and cease reporting to the bureaus, I will consider this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Equifax fail to provide debt validation, upon reinvestigation debt came back verified again according to Engelhardt V. Gravens ( mo ) 281 SW 715.719.1 I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists in which i was not provided any evidence which means no factual investigation took place Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Checking or savings account

My mailing address is where my mom lives. And she called me because I got a cashapp debit card via XXXXXXXX XXXX and VISA. I don't have an account for cashapp. I never consented to open a bank account with Cashapp and have a debit card. I suspect that they somehow get a hold of my address, name, and social security number to open this account. I called VISA to try to deactivate the account, but VISA said they do not have access to the account. I called at XXXX XXXX on XX/XX/year> XXXX. XXXXXXXX XXXX is not available to pick up my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 ENERBANK USA company used my social without my authorization. XXXX XXXX Is another company and XXXX. Also XXXX  XXXX XXXX. 
Please remove all the credit inquiries I did not made starting the month of XXXX, so my 3 credit bureaus are not hurt.
Product: Debt collection

In 2016, I did a regular XXXX  check and half  XXXX  XXXX  in XXXX   XXXX  at XXXX XXXX XXXX XXXX XXXX # XXXX. The appointment for the other half was cancelled due to hurricane Matthew, and I didnt do it. I have XXXX XXXX  at that time, which was confirmed by XXXX XXXX  before they conducted the service. I paid eighty something after the first half of the XXXX   XXXX, which was the amount I was told to pay. Later I got another bill for ninety something. Since it is normal for adjustment of a medical bill, I paid that bill too without asking for any detail. I didnt hear from them until TWO YEARS later and received a bill of more than two hundred dollars. When I called them, the accountant  said I needed to pay the bill and if I had problem I should ask my insurance ( the insurance I had two years ago. ) When I told them what I paid and pointed out that I didnt get any bill for the past two years, the answer from the accountant was I wasnt the accountant  two years ago. 
After I refused to pay, the XXXX XXXX sent the bill to AWA collection. After I received the letter from AWA I contacted AWA and requested for all the details and reasons for additional charges after two years. The only thing I received is a list of charge without explanation. But it seemed that the XXXX XXXX did not collect any money from my insurance. I called AWA again and AWA agency said she could not help even she agreed with me. Early this year, the AWA filed a credit report, which affected my credit a lot. In addition, I found that AWA is still collecting the money with increasing interest even though I didnt receive any letter since I called them. 
This really bothers me a lot. What can I do to solve this problem.
Product: Debt collection

I have made XXXX attempts to have a fraudulent account from Common Wealth Financial removed from my credit profile. I was never contacted by them however, I have reached out to them via certified mail once I discovered the account on my credit and they have yet to respond or communicate with me- but they are telling the credit bureaus the account is mine. 

Also it appears the account is for a medical bill when I have also be insured without any interruptions and I work XXXX.
Product: Student loan

I have made many payments through the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that have not been applied to my balance. I have submitted an employment verification since 2015 when I enrolled in the program. I have upheld my end of the XXXX contract, yet I do not see that in return. 
I currently should have XXXX payments counting towards my XXXX program. The system shows only XXXX eligible. I am still paying undergraduate and graduate loans. I have worked in education for 20 years as a dedicated teacher. I earned a XXXX 's XXXX in Education in order to fulfill the requirements for certain positions. 
I have filed my taxes as a single individual, although I am married, just to keep my monthly payments manageable given my salary. I currently work two jobs to maintain financial stability. Saving for my own child 's education is quite challenging given the never-ending circumstances of the XXXX program not meeting the agreed-upon contract.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit card

I want to file a complaint against TD Card Services ( TD Bank credit card company ) because TD Bank arbitrarily and capriciously sided with the merchant, XXXX during a credit card dispute. TD Card Services was given all evidence to prove that ( 1 ) I was supposed to receive a promotion in amount of {$150.00} and that services were n't provided, so I tried to refund the gratuities in amount of {$240.00}. TD Card Services assigned case # XXXX. After clear and convincing documentary evidence, I would expect that the TD Card Services would issue me credit in amount of {$380.00}. If this does n't get resolved, I will definitely proceed with a complaint in XXXX Civil Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX of Inquiry XXXX/XXXX/202
Product: Debt collection

I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from XXXX XXXX, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called XXXX XXXX and Midland Funding explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a 53 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Product: Checking or savings account

I opened an online savings account with a deposit of {$1000.00}. Citibank will not give any information on how to access the account. I have made at least 6 phone calls attempting to resolve, but have had no success. They adamantly refuse to give me any information about my account or close the account and send me back the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occations to fix my inaccurate personal information that's reporting to this company. I receive item was verified when it can't be correct because I send my drivers license and proof of address. Nothing every gets correct and still inaccurate information stays on my credit report.