23daVinci/CFPB_Complaints huggingface dataset:
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 items 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 items 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 items which do not belong to me or were opened without my permission. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have send dispute letter to Equifax on the account that are reporting incorrect information after 30 days no response so the account i would like to be removed and delete.
Product: Debt collection

I have received multiple telephone calls from Portfolio Recovery regarding an extremely outdated debt. I have asked them to contact me in writing only but they have ignored my requests.
Product: Checking or savings account

Paypal legal team finally went over venmo head and semi correct a issue they were denying a dispute for {$1000.00}, that venmo owed to my account that their dispute team was fraudulently denying disputes for after making me sign a document after I filed an arbitration against Venmo, they never allowed me to retrieve the funds they are using their card they made me transfer the money out of the account to another card from which left errors for the XXXX attempts I tried then they tell me that it was sent to the account from which i still have yet to receive then after sending them the account history and after I ask them for a provisional credit they deny me to get the money that is owed to me and they refuse to correct this issue by fraudulently denying disputes again the account they transferred my money to was not my account and and i have told them several times and since i have not received my funds and they refuse to correct this and all they are doing is fraudulently denying disputes just as before and they should know a arbitration is filed and they're going to pay for the damages all of this has caused ... Venmo needs to hire another dispute team cause those characters will cost Venmo/Paypal a lot of money when they get here with their class suit from the way they fraudulently denied disputes that should have been approved..luckily I didnt get to stop the arbitration until those funds got in my pocket ... ... .but they posted my money into someone else 's account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquires from this company on my credit report from XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX that I did not authorize. The company is called Genesis Financial Solutions
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent my 609 letter in, its been well past 30 days and I havent heard anything! 
1. The following account is not mines. 
XXXX  XXXX Account Number : XXXX  Please remove it from my credit report. 
2. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXXXXXX XXXX. Account Number : XXXX Please remove it from my credit report. 
5. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
6. The following account is not mines. 
XXXX Account NumberXXXX Please remove it from my credit report. 
7. The following account is not mines. 
XXXXXXXX XXXX Account NumberXXXX Please remove it from my credit report. 
8. The following account is not mines. 
XXXXXXXX XXXX Account XXXX XXXX remove it from my credit report. 
9. The following account is not mines. 
XXXX Account XXXX XXXX remove it from my credit report. 
10. The following account is not mines. 
XXXX XXXX Account numberXXXX 1. The following account is not mines. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681b - Permissible purposes of consumer reports This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately.

The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; I
Product: Credit reporting, credit repair services, or other personal consumer reports

They are still choosing not to fix credit concepts so I'm filling a claim against all three agency the are fraudulent ignoring dispute they don't get 30 days it been a year of disputing how are you guys suing company 's but my complaint your not really assisting with.and XXXX XXXX XXXX child support needs to be removed and both XXXX XXXX sent email said there not removing it these agency are fraud and you guys keep letting do what ever.where is the file and applications of my signature.they don't have to provided cause they don't want to seems like they need an audit.how do I know alidated the debt if there refusing to send application. Late payments there is none how long does it take agency to fix errors a whole year.i will contact attorney state general .if this is not fixed and XXXX days they had a year so XXXX days and I need fees for each violation they ignored my invoice
Product: Debt collection

XXXX  XXXX  and Frontline Asset are both contacting me regarding a debt that i di not owe. They have yet to show proof of my actually signature just a bill that supposedly is mine. In addition they sent me a bill with an address from New york never lived or was a resident of new york then a year later it shows a bill dated to my address. total incorrect, i believe this was identity fraud. i have sent numerous of certified letters stating that its not my debt and they have the wrong person. They have affected my credit report in addition this was on my credit before and then it was removed due to inaccuracies. They are looking for someone to pay this debt that is why they are bouncing it around to other collectors trying to make money off of me. I do not have a contract with them nor did i sign anything with my legit signature. they are not layers so the need to remove it and stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I last made a complaint in reference to consumer finance in  XXXX     2017  for complaint #  XXXX  which exeter finance said they would buy back the loan and report the loan paid and settled sine they never properly notified me of the sale of the vehicle and it is still reporting incorrectly as if i owe the full balance it has been well ov er 45days therefo re it sho I ld be removed for being incompliant and not reporting correctly. I have called them several times about this situation to resolve and they still have not reported correctly. In there last response to cfpb they stated it would be bought back reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  subserviced by XXXX  account number XXXX. I am having issues with this Mortgage Company as of XX/XX/2021 the account is finally payed in full after numerous phone calls and holding my final payment in suspense for almost a month. As you can see I have payed off over XXXX in the past two months. This company reported a missed payment in XXXX after an initial XXXX payment. REALLY?? After speaking to 5 associates I was assured by all, that this would be taken care of. Well guess what it hasn't and my credit has dropped by over 100 points. We were looking to buy a new home, but can't because of my current score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Bank # XXXX, XXXX XXXX  XXXX XXXXXXXX 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 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. Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then XXXX  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 recently reviewed a copy of my credit report and I noticed I have some fraudulent accounts on my report, Please remove them from my report they are affecting my ability to obtain credit.
Product: Student loan

Problems affecting following private loans through Navient ( formerly Sallie Mae ) with associated dates. 
XXXX Tuition Answer Private Loan XXXX ( 3 derogatory marks ) XXXX Stafford  - Subsidized FFELP Loan XXXX ( 3 deragatory remarks ) Issues also affecting Dept Ed loans listed in separate complaint. 
During the above mentioned dates, I entered repayment for my student loans serviced by Navient without proper written notification. I became aware of my delinquency while checking spam email and immediately contacted Navient in XXXX of XXXX. I was told via recorded line conversation that my billing notification had been switched to paperless billing and had been done via email exclusively. I had never authorized such action on any of my accounts. When I asked when and how the authorization to switch my accounts to paperless was performed, I was given no information and told it had been done automatically. At the time, I relied on paper bills ( and prefer them to this day ) to relay changes to billing statements. When I had reconnected with Navient after reinstating payments, I was unable to receive any requested information from my previous conversation ( who I had spoken to and the recorded file of the conversation ). When I had requested the derogatory marks be removed from my credit history, I was told there was no avenue through Navient which I could pursue to correct the marks. I have challenged the information with credit reporting agencies only to find that Navient had not provided any details regarding the incident. Navient has a history of documented poor customer service, which I have experienced as well. I have had difficulty getting information on programs to assist in loan repayment, ambiguity regarding deferment, and have asked about public service loan forgiveness ( XXXX  for 4 years at this time ) only to be told that my loan " does not qualify '' but no additional information on how to roll the loan into an eligible account. Luckily most of these customer service deficiencies have not necessarily affected my credit score, with the exception of the derogatory marks mentioned above. My credit report has 13 late payments in all my years of credit, including with Navient before/since this incident ( 1 legitimate late payment due to a new credit card number issued on an auto loan, and the other 12 from Navient connected to this singular event, 6 on the private side and 6 on the Dept of Ed side ). Without these above mentioned derogatory marks, my credit would be in great shape, and it is time for Navient to finally fix things.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Find Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

Applied for the Huntington Bank checking account on XX/XX/2020 Approximately {$15000.00} was deposited in line with an account sign up bonus for {$500.00} that required a deposit of at least {$15000.00} A bank account ( acct # 1 ) was linked to make the inbound deposit A second bank account ( act # 2 ) belonging to me was linked ( and verified with trial deposits ) to allow for money movement between my main accounts. 
On approximately XX/XX/2020 I initiated an electronic withdraw in the amount of {$15000.00} to my second account ( act # 2 ) at an external bank. This withdrawal was blocked by Huntington Bank and a hold place on my account. I have follow up several times, about every other business day, with the bank customer service reps to determine how to remove the hold and I offered to provide further documentation if any was required. 
Each time they suggested I step into a branch location. 
Given that I opened the account online, the bank only has branches in Ohio and the ongoing pandemic it didnt make any sense to require me to drive XXXX hours across state lines to show up in person. I offered to send documentation or to simply have them close the account and send my money back. 
I escalated to managers to no resolution. 
The bank continues to hold my money ( approx {$15000.00} XXXX XXXX from me.
Product: Debt collection

This is the second complaint I've had to report for the same issue. Previous complaint was never truly completed. The company made less calls in XXXX and XXXX, but calls began increasing in frequency again. 

Each time, they ask for a man who has never been associated with our business. 
When we ask what phone number they dialed ( our phone number ), they response, " I'm sorry, I can't give out that information. '' On XX/XX/19, I spoke to a manager, XXXX, and she assured me that our number would be removed permanently. Call ceased for a few days, but started back up again the next week. 

I have spoken with 4-5 managers in XXXX and XXXX. Each one was kind and apologized greatly and promised to remove the number. However, the calls kept being made. 

The last manager I spoke with on XX/XX/19, XXXX, was very rude and did not listen to my concern and frustration. She said she would submit our number for cancellation to Customer Services, but was unable to rectify the problem over the phone. When asking for her manager, I was told they were in a meeting. 
This needs to be rectified right away as the problem has been continuing for over six months!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the below-listed problems be fixed several times. The  Cre  dit agencies and letters and telephone calls in vein to the Company reporting  the trademarks in error. Every trademark being reported has errors listed, The most serious, is  XXXX , and   XXXX   XXXX   XXXX    XXXX . They are reported as being in collections, payment status is still listed incorrectly today. The Trademarks have been paid in settlement and paid in full,  XXXX /2015, respectively.  See Attched documents : There are four more Trademarks with issues listed on each Credit repor t.   XXXX   ENCL 1 : Disputed items ENCL 2 : Copy of how I want item fixed ENCL 3 :  Letter, Payment etc. Bach-up documents for my claim
Product: Credit card

I noticed several charges on my USAA credit card for purchases made at XXXX. I contacted USAA and let them know that I did not make the purchases. Several weeks later, I received two letters stating that my claim each for {$370.00} ( Total {$740.00} ) was denied because the merchant ( XXXX ) provided information that showed the purchases were authorized and that I was responsible for payment. I then contacted XXXX and found out that someone opened an account with them under my name and email address. It appears that whoever did this, picked up the equipment and XXXX did not check IDs to verify it was me. After reviewing my email I do recall seeing the emails from XXXX, but I thought they were fishing emails. However, as soon as I saw the changes on my account I contacted USAA. I have since contacted XXXX to alert them that the account opened under my name is fraudulent and also contacted the three credit bureaus and reported the matter to the FTC. I am a long-standing customer of USAA with an impeccable credit history.
Product: Student loan

case : XXXX I have contacted the legal resources listed under your legal assistance program. However I have not heard back. As I recall I did not select a law representative at that time, which may explain no response. I have the documentation sent from J.P. Morgan Chase, who did the consolidation of the loan. I am still seeking direction/assistance to resolve or reconsolidate these loans if necessary. I am taking over the full monthly payments from my son XXXX. However, it does seem truly unfair and unwise to do so. 
I will be making a payment of XXXX dollars combined for XXXX separate student loan servers, XXXX and XXXX. I do not dispute the paperwork from CHASE, But the consolidation went crazy and {$30000.00} dollars went into the wrong account. All assistance given at this time will be appreciated and is sorely needed.
Product: Checking or savings account

I had unauthorized transactions on my card I called filed dispute in XX/XX/XXXX I was told on the phone and also in email that my disputes were filed and give XXXX from date that dispute was filed and inwould recieve notification. On dispute giving me credit or if they needed mor time to investigate up to XXXX days and that I would be eligible for provisional credit. In order to recieve provisional credit I had to file a declaration of fraud form and send it back to them with in XXXX days or I XXXX not receive provisional credit I filled out required form and sent it back XXXX times just to make sure. I called because XXXX since filing dispute has passed and I have not recieved any information or credit I was not giving any resolution was told to continue quiting when I inquired about the email stating inbound recieve information or credit XXXX days from day dispute was filed and I wanted to know why I was not provide with an answer other than. Wait some more I explained it's not acceptable there are regulations they they must follow that I had money taken from my account that was unauthorized I was told XXXX I have bills and this was cause XXXXXXXX XXXX XXXX I was told again wait more days and I said I waited that the time frame given by them has passed and I would like an answer I was not given XXXX and was not allowed any information as to why or allowed to speak with anyone else that could help me.
Product: Credit reporting or other personal consumer reports

My credit says I have 6 hard inquiries but I do not recognize 3 of them. The others werent authorized by me.
Product: Money transfer, virtual currency, or money service

I paid for an apartment in Colorado through the XXXX XXXX XXXX, which is connected to my Regions Bank account. The scammer sent me a lease which made things seem legit. XXXX being connected to my bank was also reassuring. I sent {$1500.00} for an apartment that did not belong to the scammers. As soon as I realized what was up, I got the local police involved. The police found that the apartment I was trying to rent was owned by someone else in another part of Colorado. They had no idea someone was trying to rent out their place. And now, neither XXXX nor my bank, Regions Bank, have helped me. If XXXX hadn't been connected to my bank, I never would have used it. The banks that partner with XXXX should be held responsible for fraudulent transactions. It's obscene that there is no accountability for XXXX. After I was scammed, I read that I was not the only one. Whole websites have been developed to help people that have been defrauded by the company and by association, their banks.
Product: Credit reporting or other personal consumer reports

I have for years asked the credit report agency Experian and XXXX to remove negative information that was not to be on my credit report either because the creditor agreed or because it wasn't valid after several times of asking them to investigate they would always come back and Not remove or research any of the items including a car loan and several student loans causing me and my family significant hardship and financial hardship also these credit report agencies are breaking the federal credit report act and need to be held accountable for such I have reported tese errors to Experian and XXXX with zero luck I'm seeking my credit report to be corrected in a timely matter and to receive financial assistance for my hardship they caused myself
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously reported that Equifax ( EQ ) is reporting incorrect information below is the the previous complaint.

Equifax ( EQ ) is reporting incorrect information. All of my student loans are paid in full yet after several attempts to corrected. EQ continue to show they are not paid in full. I also have several others listed below that are not being reflected on my credit reports permanently. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 

The results of the complaint EQ corrected the student loan accounts showing that they are all paid in full. EQ did not correct and up date the XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX. EQ removed ( deleted ) the accounts. I am requesting that the accounts are to be added back and corrected to show my true credit history.