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

Dispute of Time-Barred Account on Credit Report I am dispute the presence of an account from XXXX  XXXX on my Equifax credit report. The account alleges an opening date of XX/XX/2016. I request that this account be immediately removed from my credit report due to the expiration of the seven-year reporting period. Failure to do so would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

While no specific day in XX/XX/2016 has been provided, as of today 's date, the account has been reporting for a period of seven years and five days. This exceeds the permissible reporting period of seven years, and therefore, this account should no longer be reported on my credit file.

Under the FCRA, I have the right to dispute inaccurate information on my credit report and the right to have that information removed if it can not be verified. I assert that this account is inaccurate and does not belong to me. I have never had any financial relationship with XXXX XXXX, and I have never opened an account with them. The presence of this account on my Equifax credit report is both misleading and damaging to my creditworthiness. 

I demand that Equifax promptly investigate this matter and remove the XXXX XXXX account from my credit report within four days of receiving this notice. Failure to comply with this request would be a violation of my rights under the FCRA, and I may have no choice but to seek legal remedies to protect my rights and seek damages.

I have enclosed copies of supporting documentation, including [ list any supporting documents such as letters, statements, or identity verification documents ]. I request that you review these documents as part of your investigation.

Furthermore, I request that you provide me with written confirmation of the removal of the disputed account from my Equifax credit report. Additionally, I expect to receive an updated copy of my credit report reflecting the removal of the account. 

Thank you for your immediate attention to this matter. I trust that you will take the necessary steps to rectify this situation promptly and in compliance with the FCRA.
Product: Checking or savings account

I am trying to link my account to XXXX investing site, PNC has a block on connecting it
Product: Mortgage

Applied for a HE Loan. Representative was amazing and this is not about her. Provided all information required ( e-submission ). A few hours later I get a call that the loan can not be provided because Mr. Cooper 's system didn't show this was a townhome and is ineligible. They are my mortgage servicer/provider. 

How can they not know? 

This resulted in my paying for an appraisal ( they have said it is being refunded and I believe that for now ). 

But a hard pull was made on my credit and this will lower my score for a period of time, thereby impacting my ability to seek an alternate product until that score returns. Since this was a debt consolidation loan, this has effectively cost me the interest savings between what I am paying that the rate I would pay.
Product: Credit reporting or other personal consumer reports

I was using my XXXX credit card for the last XXXX months, and discover had trouble reporting my credit card activity to the three credit bureaus. After filing complaints, the discover account finally showed up on the credit bureaus reports and website. Then I was able to get my FICO score generated from XXXX and XXXX, But not from TransUnion. Even though the credit account shows listed in TransUnion, including the last XXXX months of payments and other history. I tried generating the Vantage Score from TransUnion, but still wasn't able to do that. 
I called customer service and they said it was because the reporting was done recently and I have to wait upto three months for the score to be generated. I believe something should be done so my scores are generatable more quickly and lenders can get my FICO score. As I believe the 6 months of history is present in my TransUnion credit report. I am willing to pay extra service fees to make the process quicker and have my report so that scores can be generated and I don't have to wait another three months. Moreover, customer service seems to be unsure about the three months too.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XX/XX/24 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a ceck settlment from the attorney 's who served as the administrators for the class action suit for XXXX XXXX. The check was for {$120.00} because I had purchased five ( 5 ) bottles I submitted te check for payment though the XXXX XXXX website which has the mobile upload for checks that is operated by Ingo Money. 

The website stated to copy the front and back of check and write Void on the front of the check which I did. 

After waiting for 3 days I call first XXXX they inform me to call Ingo Money. I was told that the check have not been approve and that Ingo need me to submit verification of the front and back of my ID along with a picture which I did. 
Then I was sent a email to resubmit the check which I did. 

This the only way to cash the check because it shows on the check you can NOT cash it at a check cashing agency or money service business only on a mobile app I dont have a back account I have been with XXXX  and XXXX since XXXX. 

Now Ingo Money claims I violated their policies and my account with Ingo Money has been deactivated I NEVER had a acoount with them only XXXX XXXX. 
it will take 45 to 65 days to get another check and I may have the same problem. 
the settlement is for XXXX XXXX  and I'm sure many many other person are haveing the same problem. 
Please help us due to the economical situation that we all are in I really need that {$120.00} XXXX XXXX said they can Not help me. It is a promble with Ingo ever though Ingo is on their wedsite
Product: Money transfer, virtual currency, or money service

i got a check from my grandma for my birthday for XXXX $ for this consle im getting and i went to go cash the check with my mom and the machine said error so i tried to cancel the transaction and it didnt work i didnt get my money nor did i get my check back i would just like to have my money back if possible
Product: Money transfer, virtual currency, or money service

Cash app has clueless reps. It's impossible to chat because they give the runaround same answers. They put a XXXX on my cash app account under documents for taxes. I tried explaining, they're not comprehending. I asked to speak to an American or supervisor because again they're not comprehended. This XXXX has been put on my personal cash app account. Why is cash app giving me a XXXX? I don't work for them. Since everyone i talked to lacks comprehension skills then i'm forced to file a complaint in order to get a resolution. I went to tax chat and found a number to call. Apparently it was for the tax dept. The rep had a " supervisor '' email me, not from the tax dept. I find the tax chat option and they refuse to answer my question. They've only copied and pasted a script that redirects me to email and answers to tax questions. The bots and support are so horrible. Cash app should not be sending account holders XXXX 's. I only have stock with them, nothing else. I do not work for them nor hold a w-2. Why did i get a XXXX from cash app in my documents?
Product: Mortgage

Suntrust Bank has a partial payments section on their monthly statement. Months ago my section was blank zero . then payments were taking thousands of dollars off but not paying off the Principal. Then XX/XX/XXXX Balance was {$6300.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$3800.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$1200.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. Now XXXX Balance was {$930.00} with {$3500.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}, that's 6 payments. When I called to ask questions, they explained they were waiting for me to tell them what to do with suspense account. So I asked to pay off the account. I was told she can give me a payoff for tomorrow 's date. I told her you have my money. I said never mind I will go to the branch and pay it off right now. She told me you can't do that you have to wire the payoff. I asked for her supervisor. ( at this time I was pretty upset, no agree, so I hung up the phone and drove to a Suntrust branch. was met by a personal banker and began the process all over again. After a time on the phone with the mortgage people, she was able to explain and get a better understanding of what was going on? She was very helpful. At the end MY HOME IS PAID IN FULL. Plus a check to me for {$6100.00} So my concern is my Mortgage could of been paid off 5, 6 months ago? With paying interest? and lowering principal and what ever they want? So if holding my money in a suspense account allows them to extend the loan and me paying interest on that money does not seem like right/correct banking practices. Plus I can not be the only one Suntrust is doing this too. How many thousands, millions of others are they holding 4, 5 thousand dollars.????????
Product: Money transfer, virtual currency, or money service

Cash App withdrew money from my bank account without my consent for a purchase I did not make
Product: Student loan

Good Morning to Whom it May Concern, I attended XXXX XXXX before they closed their doors to students due to wrongful actions concerning loans. Students who attended were placed in high interest rate loans and pushed through the system. After finishing they program we all came out of school with 60k+ in student loans to a school that was not really taken seriously by top named companies. A short time back XXXX XXXX closed its doors and filed for bankruptcy. Current students and past students are now stuck on what to do next. Past students are stuck with high loans with high interest rates that will take them 20 to  30 years to pay off. That amount of time is not fair to someone that has been cheated and thrown into something they were left in the dark about. XXXX XXXX staff pushed the paper work through and only gave us the answers to the final bill at the end of a degree because their answer was we do n't know how much you owe because the interest is growing while your in school. I came out of school with 80k+ in debt to a school that I feel cheated me. If I knew this information I would have chosen differently and looked at other options. I feel that students should not be responsible for repaying XXXX XXXX student loans because we were cheated out of an education with outdated schooling material. Please help!!!!
Product: Checking or savings account

My name is XXXX XXXX. I had an approved PPP loan from the financial institution Wells Fargo. This was the first draft loan. I then made an application submission. For the second draw ppp loan. Which I was not approved for due to closing dates and lack of funding. There was a law that stated that small business with under 20 employees will be made a priority and theyre applications would be processed first and should be approved within no longer than 14 days. Specifically from XX/XX/2021 to XX/XX/2021. I asked about my application multiple times through this time period, and even after. And by the end of the Loan Program I was not given an approval of my second loan which was based off the same data from my first draw loan. And was not given adequate response or opportunity to reapply for the loan. There was no adequate information as to why my application took so long and why I was denied.
Product: Credit reporting or other personal consumer reports

I'm writing this complaint to dispute the inaccurate reporting of multiple fraudulent accounts on my credit report and to notify you of a violation of the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 USC 1681c-2 ). I have previously submitted my identity theft report to the Federal Trade Commission ( FTC ), which has been provided to you as required by law, but these accounts and personal inaccuracies remain unresolved.

FCRA Section 605B specifically mandates that credit reporting agencies block information that is a result of identity theft upon receipt of an identity theft report. Once an FTC identity theft report has been submitted, you are required to block this information within four business days. The information I am disputing should have been immediately blocked as per this law. The following fraudulent accounts are still listed on my credit report despite my previous attempts to have them removed : XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$4200.00} XXXX Bank {$910.00} XXXX XXXX XXXX XXXX {$7300.00} XXXXXXXX XXXX  {$8300.00} XXXX XXXX XXXX XXXX {$8700.00} XXXX XXXX {$360.00} Additionally, my credit report contains several incorrect addresses and variations of my name. My correct name is XXXX XXXX XXXX. It is critical that all incorrect personal information be corrected immediately. 

These inaccuracies are in violation of my consumer rights under FCRA Section 605B, and I am demanding that these fraudulent accounts and inquiries be removed from my credit report within four days of receiving this letter. Failure to comply with this request will leave me with no option but to pursue legal action, as continued reporting of this inaccurate and fraudulent information is a direct violation of federal law.

I have attached a copy of my credit report for your reference, with the fraudulent accounts and personal information highlighted.

Provide all of the details in writing that these accounts and inaccuracies have been permanently removed from my credit file as required by law.

My complaint has detailed explanation of the relevant law and emphasizes the urgency of the situation. It also highlights the necessary compliance with FCRA rules
Product: Student loan

I had an original student loan amount for about {$34000.00} as of XX/XX/XXXX. My payments have ranged from {$360.00} to ~ {$330.00} a month for the past 16 years. I 've asked my loan servicing company for the formula they use to calculate repayment amount and period and they defray the question. My loan has been serviced by XXXX, XXXX, and now, NAVIENT. According to my calculations, using the lowest payment of {$330.00} x 192 months = the result is {$64000.00}. Therefore, according my calculations even with deferements and a forebearance, the original debt of {$34000.00} should be paid up by now with a profit to the loan servicing company of {$30000.00}. Please help! 

Additionally, I have another student loan with an original principal of {$16000.00} which I have been paying off since XX/XX/XXXX at the rate of {$180.00} per month. Hence, {$180.00} x 96 months = the result is {$18000.00}. So once again, according to my calculations that debt should be paid up as well. 
I believe, that the loan servicing practices are fraudulent ; I believe they have reset the loan repayment periods every time the loans transferred from one servicing company to the next. They have also imposed deferements ( which adds interest to the principal ) without my consent even after I 've told them not to and to continue drafting payment from my checking account while in school. 
Please help!!!!! 
XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In XX/XX/2022 I notified the company that i did not owe the debt that they are claiming and that i had no contract with them ( Professional Debt Mediation Inc. ) along with them violating privacy laws by using my Social Security number without permission. they never sent any letters warning me of this debt or saying that they acquired the debt or were working on behalf of the medical company ( original creditor ) to collect a debt. They did not use the required form SSA 89 with the Social Security Administration that requires that requires permission to be granted. I went ahead and paid the debt in silver shares which was approved by the Internal Revenue Service. The letter was sent out to the company in XX/XX/2022 along with copies of the appropriate tax form proving the debts were paid. they have 2 accounts open but I will submit another complaint concerning that one. This one is for {$2200.00} for this certain complaint.
Product: Debt collection

my family and others received threatening phone calls, asking them about my legal assets, threatening that I did a fraudulent act, Abusive language. The people that have been calling are XXXX XXXX, XXXX XXXX. Phone number is XXXX, Integrated Recovery Services is what they go by. I have no problem paying a past debt, I just would like a validation letter and where the debt originated. I told them this, asked them not to contact me, asked them repeatedly to stop calling my family members. I have no idea how they obtained my family members names or phone numbers. I have also reported them to my States Attorney General. They have threatened to call my employer, which I informed our HR department about. Any help with this would be greatly appreciated.
Product: Credit card or prepaid card

I called on XX/XX/2022 to ask for a replacement card as my card was about to expire and I was told a new card would be mailed out in 7-10 business days. I received notification on XX/XX/2022 that my account had been closed. I called and no representative would tell me why they closed my account. The account has always been in good standing and I have been with them for 5 years. I was told to reapply if I wanted to have an account, but no information would be provided over the phone as to why the account was closed. I was told a letter would be sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : Account Name : Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have disputed an account with Experian, XXXX, and XXXX. The original reason for the disputes was an account was showing twice. Same account, same info, listed twice and harming my credit twice. As of my most recent dispute, XX/XX/2021, the accounts have extended beyond the FCRA 's 7 year statue of limitation for reporting. The account, or both accounts rather, by FCRA rules, regulations, standards and or laws are required to be deleted. However, as of yet Experian and XXXX  refuse to delete the accounts. A dispute with XXXX  put in on the XXXX of XX/XX/2021, was approved and deleted within 20 minutes. The disputes put in with Experian and XXXX  on the XXXX of XX/XX/2021 we're denied and the accounts remain. The duplicate account has already killed my credit and the longer these companies ignore the laws and rules they are supposed to follow, the longer it negatively affects myself and people in this situation. These companies should have to compensate the people they XXXX over due to their automated systems.