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

XXXX XXXX XXXX XXXX : XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605b ( 15 U.S.C Section 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of XXXX XXXX XXXX  # XXXX with a balance of {$12000.00} XXXX  XXXX  XXXX  # XXXX with a balance of {$5600.00} XXXX XXXX XXXX XXXX  XXXX  # XXXX with a balance of {$11000.00} XXXX  XXXX  XXXX  # XXXX with a balance of {$730.00} XXXX XXXX XXXX XXXX  # XXXX with a balance of {$590.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Due to being the first person in my family to go to college and zero help from my high school, university or FAFSA, I was not prepared or educated on how to take out student loans, etc. There 's way more info out there now than there was when I started school, but at the time, there were no good resources or helpful info. So I ended up with almost all private loans, with interest rates anywhere fo rm 7-9  %. Originally, my payments were going to be $  XXXX  - luckily,  Firstmark was  able to consolidate my debt i nto one paymen t each month. Unfortunately, since they 're a private lender, they 're pretty unhelpful and provide no options for repayment methods. So now, over half of my earnings each month go to pay back these overpriced loans, and after paying rent, I 'm left with a very small amount for anything else that comes up. I have no savings account. It 's sad that I was essentially forced to take out these loans to get a job, and now that I h ave one ( and a good one at that ), I 'm still  struggling with no option for income-based repayment or any sort of forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian and XXXX choosing to report XXXX XXXX XXXX XXXX Account # XXXX on my consumer credit report has violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent, Which I did not give Experian or XXXX at all. 

Also under 605B of the Fair Credit Reporting Act, Experian and XXXX are supposed to block and remove all fraudulent information no later than 4 days of receipt of Identity theft documents in regards to the fraudulent information. I clearly provided those documents to Experian and XXXX and they accepted those documents. 

They then deleted the said account Under the name of XXXX XXXX XXXX XXXX Account # XXXX and then added it back to my report without notifying me of them adding it back to my consumer report which was another violation of my consumer rights. 

In accordance with the requirements of the FCRA section611 ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. 

This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard of the law. 

Throughout all of this going back and forth I have been nothing but professional with how I have handled Experian and XXXX. They have yet to show me any so-called proof of this account being verified that they keep claiming that it is. 

This is my last attempt at settling this in an easy way, if Experian and XXXX do not delete this fraudulent information from my report I am going to seek litigation for actual damages and seek financial remedy for each FCRA violation they have committed toward me throughout this whole experience. I will join in on the class action lawsuit Experian already has which shows their incompetence and unprofessional practices. 

In the documents below I have included my *Federal Trade Commission Identity Theft Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Experian and XXXX * XXXX XXXX XXXX XXXX XXXXr Experian and XXXX XXXXSocial Security Card * License
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact XXXX XXXX, Equifax Credit Bureau, and XXXX Credit Bureau about their illegal behavior and have them comply with federal law and respect the rights of identity theft victims, such as myself.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian and XXXX have been reporting a bankruptcy on my credit file for 7 years ago. I have asked them both how they verified this information. Both bureaus replied that they used XXXX XXXX to verify this information. I disputed this bankruptcy item with XXXX XXXX and on XX/XX/2021, I received a letter from them stating they have removed the bankruptcy item from my report. XXXX XXXX has removed this item but Experian and XXXX refuses to delete the item from my credit report even though I have sent them proof that XXXX XXXX has delete the unverifiable item. Please see the attached documents.
Product: Debt collection

XXXX XXXX, and Experian you are both in violation! Because I disputed this account, and XXXX XXXX said that this is valid on XX/XX/2022, and Experian you are in violation for furnishing without my consent ( the audacity of you Experian. ) Experian, I am reporting you for aggravated identity theft 18USC 1028a. 
You did not contact me in writing form to verify my account before furnishing my private information. YOU ARE IN VIOLATION! 

XXXX XXXX, I am reporting you pursuant to 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information.

My consumer credit report should have been listed as PAID ON TIME and the balance needs to be 0, as of XX/XX/2022 XXXX XXXX, you have my balance {$100.00} you are in violation 12 CFR 226.11 - Treatment of credit balances ; account termination. 

Billing errors. 15 U.S. Code 1666 - Correction of billing errors You are both in violation, I tried to correct the errors and you both XXXX XXXX, and Experian failed to fixed them. I HAVE THE PROOF!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with XXXX/VETERANS UNITED HO for the last X amount of months trying to get them to remove this off my credit report immediately this is maybe the 3rd or 4th report I have submitted against this company and I had spoken with a man named XXXX. They mailed me a letter which I received yesterday stating that they made a error and it should not be reporting to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you after going over my credit report that I never authorized the following Companies to check my credit report. I have a fraud alert on my credit report that should not have authorized any inquiries without contact or verification first that it is actually me applying for credit. 

These unauthorized inquiries are from : XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Lastly, be sure to include the name and address of the company or individuals who were directly contacted in regards to this matter. 

Thanks in advance for your time and prompt attention to this matter.
Product: Credit card

I have 2 aspire credit cards. I had never been late or missed a payment since opening both accounts until late last year when I paid on the app at the same time I had done each month prior when one credit card showed a late fee. When I contacted the company they informed me I had made my payment to early and it was applied to the balance instead of being listed as a payment. I had made the payment through their app and when I did it said I had made a payment and my account was current. I then had to make several additional payments to catch that account up. At that time I requested they close that account so no more fishy things happen. I had no problems with the account I had left open until I went to make a payment on the app and this time with the other card when I tried to make a payment it said I was using a credit card and denied the payment. I was using a debit card so I tried it a few more times and then took a screenshot of what ot was saying. I then callled the company and made an automated over the phone payment using the same debit card and it went through without a hitch. I then contacted customer service to ask why my debit card had failed on the app only to be told it was declined because I didnt have enough money in my account which wasnt the case at all as I had already made the payment on the phone. I then said this wasnt the first time with the app problems and when the app problems occur it costs me money. The customer service of aspire likes to gaslight and blame the consumer. I explained to rep that I had taken screenshots of what had occurred and there seems to be a bug that costs money in the app. After a few go arounds of telling me that there is several reasons that the app might not take my debit card. ( this was after I had already used the same card via the phone ) I told him that I wanted to contact someone within the company to try and diagnose what was going on. Because o knew from my previous experience with this company that getting this escalated wasnt going to occur as they simply dont let you get above the supervisor that is online at the time. He gave me an email address which was XXXX which I sent and email to.
Product: Debt collection

Collection Agency : XXXX XXXX Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : SOUTHWEST CREDIT SYSTEMS , L.P . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.
Product: Debt collection

This credit card was a XXXX XXXX XXXX XXXX  that i disputed the debt, balance is all fees no transactions and the debt was sold in 2013 to PRA who then refused to validate the debt, I believe this account is a time barred debt, and that PRA pursued collection on the debt and obtained an unlawful judgment against me and has a hold on my bank account in the amount of {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy account on my credit report with XXXX and Equifax Information Services LLC. Both XXXX and Equifax Information services said their source of information certified that the information was reporting correctly on my credit report. However, their source of information, XXXX XXXX, submitted to me a document prior to my dispute stating that they have removed the account from my credit file with them because they could not verify it in the time allowed by the law. On the other hand, Equifax nor XXXX is following the laws in place about credit reporting. Even after I submitted physical proof to them that account was not verified by their source, they continuted to report negative information and continued to report unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card

Company provided rewards on the card and then later revoked them with billing not depicting accounting of the debit/credit activity in the ledger. Theft and breach of contract according to their own staff over the terms of the card they stated were perks of signing up
Product: Credit reporting or other personal consumer reports

The date of last activity was re-aged when this collection agency falsely stated that it was verified. Furthermore, the original account was never verified ; how can this account continue to report on my credit? Not only is the date last active incorrectly reporting, but the payment history is also inconsistent between the 3 bureaus. This is a clear violation of the FDCPA. This is unlawful reporting and the account LVNV FUNDING LLC XXXX must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a transfer of USD XXXX was initiated to my Wise account. Despite providing all necessary documentation, including the transfer receipt upon Wises request, the funds have not been credited to my account.

I have repeatedly contacted Wise through email and customer service, requesting an update on the status of my transfer. However, Wise has failed to provide any clear explanation for the delay or a resolution timeline. My emails remain unanswered, and my requests for a phone call have been ignored. 

Wises failure to process my transfer in a timely manner, combined with their lack of communication, demonstrates gross negligence and raises serious concerns about their handling of customer funds. I expect Wise to be held accountable for this delay, and I request the CFPB to intervene to ensure that my funds are credited immediately. 

I am attaching relevant documentation, including my unanswered emails and the transfer receipt, as evidence of Wises failure to address this matter properly.

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But XXXX XXXX XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.
Product: Vehicle loan or lease

I turned my lease in at the end of XX/XX/XXXX. There was some paint damage that I filed an insurance claim to cover. The insurance company approved the repairs of just over {$11000.00} and we paid insurance to then pay them to fix the damage. We were told everything was completed and done. About a year later, sometime in XX/XX/XXXX, I got a notice from my credit report that I had a delinquent account and I checked and it was for Ally Financial, who I had the lease with. They were saying that we owed almost {$20000.00} on the lease we turned in. We called them and they could not explain why we owed the money. From then until now ( XX/XX/XXXX ), we have been on the phone from hundreds of hours with Ally trying to figure out why we owed this money. They have updated the credit report several times with many different outcomes over the last year+ including charged off, repossessed, payments missed, current, and everything else in between. Over this time period, we have only received 2 letters in the mail from Ally, both with conflicting information and amounts we owed. They have never contacted us via phone, email, or mail otherwise. My credit score has been damaged as a result of this, going from around a XXXX down to below XXXX and now back up to XXXX. I continuously call and talk to different people and no one has an answer and can not understand the notes on our account. Sometimes we get someone who promises to figure it out and get back to us and never does. We have spent almost every day off we have had in the last year trying to call and get an answer with no resolve. Today, I received a letter in the mail saying that we owe {$6200.00} and that they are willing to settle the debt. I still have no explanation as to what this debt is for and why we owe it. Can you please help us?!
Product: Credit card or prepaid card

On XX/XX/2021 I called Synchrony Bank, the company that manages my XXXX XXXX  account, to inquire about foreign transaction fees for am upcoming trip to XXXX. I was told the company does not charge any foreign transaction fees. I even reworded my question to the customer service agent to something along the lines of " so if I make a purchase while in XXXX I won't get charged an extra 1 % when the transaction is converted because it occurred in another country? ", and still was told that Synchrony Bank does not charge foreign transaction fees. I have multiple credit cards and only took this one with me based on this information. I was charged a 3 % foreign transaction fee for every purchase I made in XXXX, which is a much higher fee than any of my other credit cards charge. On XX/XX/2021 I again called customer service to inquire about this and was basically told " sorry, someone gave you incorrect information but we aren't doing to do anything about it ''. This company should either have to give correct information on fees or correct their mistakes afterwards. Synchrony Bank has a call log from XX/XX/2021 where you can confirm that I received incorrect information regarding foreign transaction fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraud inquiries not authorized from XXXX XXXX DATED XX/XX/19 AND XX/XX/2019 from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 TWICE from XXXX XXXX XX/XX/2019 from XXXX XXXX XX/XX/2019 and XXXX XXXX XX/XX/2019 all need to be remmoved from credit file
Product: Debt collection

I got a collection on my credit file from Capital Accounts LLC I don't owe this agency any money nor do I owe any veterinary hospital. 
I contacted them via mail requesting they validate this account. I have not received anything from them. Yet they continue to report this error on my credit
Product: Checking or savings account

I submitted a complaint on XX/XX/XXXX regarding a dispute that still has not been resolved. On the XXXX of XXXX I received an email stating my accounts were closed. I went to the bank and was told my account is under investigation since I filed a complaint with CFPB and I couldnt get my funds until the investigation is complete which could take up to 90 days! So they close my account with ALL of my money in them and then wont give me my money. So how do I survive with NO MONEY AT ALL! Capital one didnt list a single thing wrong with my account only that I filed a complaint with CFPB. I havent even had overdraft fees on this account Capital one is upset about my complaint and retaliation against a consumer is not ACCEPTABLE!