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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them, so why is there no one to speak with?? Is this legal, or part of a deliberate attempt to protect their profit? This is issue # 1. 
I began repayment of loan after I XXXX in 2011, and during the deferral period before that, paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}, and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}, meaning I 've only reduced the loan by about {$1800.00} and the bank has profited a tidy sum of over {$16000.00}. It appears to me that this qualifies to be called predatory lending? Issue # 2
Product: Debt collection

Opened XXXX XXXX MIDLAND CREDIT MANAG {$620.00} My personal information was sold to this company and that is a violation to my FBRA rights
Product: Checking or savings account

I am having an issue of opening up a checking and savings account with Axos Bank. Axos Bank is refusing to open up and any accounts for me due to a previous account which I was a victim of identity theft and a previous bankruptcy on my XXXX XXXX, XXXX XXXX, XXXX, and XXXX credit report. Axos Bank is discriminating against me based on my previous account, bankruptcy, race and income. Axos Bank is in complete violation of the Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Why TransUnion is continuing to report information that is not verified in according with FRCA section 609 ( c ) ( 2 ) ( e ) and accuracy of the records of the debt as outlined in FCRA section 623. I can not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. Despite numerous letters and complaints, this fraudulent account still appears on my credit report. Who gave you the authority to determine what constitutes a material fact? You are not a judge or a jury, and you have no right to make such judgments. 
This is your final chance to properly process my identity theft request, or I will take legal action to hold you accountable for the damage to my reputation, credit, and the emotional distress this matter has caused me. Your negligence regarding material facts will be glaringly evident, and you will compensate me for your recklessness. 
XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I did not authorized. I also do not have a account with any of the following companies below. 

XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I got a title loan from Loan Mart I had to XXXX my title to them they supplied a prepaid XXXX I went to XXXX and sent the title they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed they released the code so I can receive my funds after they had the receipt for the XXXX package being mailed I have receipts for mailing a XXXX  package and a receipt for when I picked up the funds that was on the XXXX they've been charging me Interest since the XXXX that's twelve days at almost {$20.00} a day I sent them copies of receipts and they told me the funds are released on the XXXX that is not true I can send you a copy of the receipt if you would like them my name is XXXX XXXX you can reach me at XXXX or at XXXX XXXX at XXXX I've also contacted them probably six times they have never returned any of my calls they told me they take care of the problem and let me know I talked to an agent when I paid my bill he told me that their Quality Control Department denied my claim because the money was released on the 11th which is a lie I have proof all I have is a receipt and the date I got the funds I don't know what else I can do I'm on XXXX I live on {$1100.00} a month and they want me to pay them an extra XXXX plus dollars and if they do this to every customer most of them won't do what I'm doing and try to get the money back they're just happy they got their funds the embezzling probably Millions from people the rude disrespectful
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX sent letters to XXXX, XXXX XXXX TransUnion disputing 6 Accounts they state were in collection but had actually been charged off. 
XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$5000.00} XXXX XXXX XXXX - {$2600.00} XXXX XXXX - {$5800.00} XXXX XXXX  - {$6800.00} XXXX XXXX {$10000.00} As of XX/XX/XXXX they are still showing past due payment past the charge off dates. 

XX/XX/XXXX I am sending another letter to all 3 bureau 's asking them to delete the discrepancies as this is falsely manipulating the statute of limitations which is a FCRA Violation.
Product: Debt collection

We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to XXXX  XXXX it 's now on my credit report as a tax right off need it taken off my credit report
Product: Credit reporting, credit repair services, 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. 

Account name : OFFICE OF THE ATTY GEN # XXXX Account name : SXXXX XXXX # XXXX Account name : 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 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 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

Experian fails to properly and accurately report information on my consumer credit report with regard to a XXXX XXXX account. I recently disputed this account requesting verification and a XXXX. This account has been disputed numerous times and since the date of charge off I was never provided the XXXX. I recently received the XXXX which is dated XX/XX/year> under the date of identifiable event section on the form itself. This item has been negatively reporting as a charged off account for the last XXXX years. The amount listed on the XXXX as the charge off amount ( {$9900.00} ) does not reflect the amount being reported on my consumer credit report. The amount being reported is {$19000.00} as charged off/written off status on my report. The IRS too needs to be notified of this erroneous information. This is a violation time and time again that Experian has been causing consumers of FCRA section code 15 USC 1681B ( a ). This has negatively impacted my consumer report resulting in repeated denials from potential lenders. The negative and erroneous reporting of this item has cause tremendous damage to my consumer credit report over the last XXXX months. I am seeking the immediate deletion of this item from my consumer credit report as well as punitive damages in the amount if {$5000.00} for the continued erroneous and negligent reporting of this account.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally request your assistance in resolving an ongoing issue with inaccurate information on my credit report. Despite multiple efforts to have this incorrect information removed through direct disputes with the credit bureaus and the original creditors, the erroneous accounts remain on my credit report. 
The details of the disputed debts are as follows : XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Credit Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> XXXX. Account Name : XXXX Card Account Number : XXXX Disputed Amount : XXXX Date of Dispute : XX/XX/year> In each instance, I provided substantial documentation to the credit bureaus ( XXXX, Experian, and XXXX ) demonstrating that these debts are either not valid, have been paid in full, or should not be reported on my credit history. However, the credit bureaus have either failed to correct the information or have reinserted the disputed debts back into my credit report after initially removing them.

These two accounts are also being reported twice and they are the same account. 
XXXX XXXX XXXX XXXX XXXX XXXX Given these circumstances, I am requesting the CFPB 's intervention to ensure the immediate and permanent removal of these incorrect entries from my credit report. The continued presence of these inaccurate items is causing significant harm to my creditworthiness and financial well-being. 
Please find attached copies of all previous correspondence with the credit bureaus, as well as any supporting documents related to the disputes. 
I appreciate your prompt attention to this matter and look forward to your assistance in ensuring the accuracy of my credit report. 
Thank you for your help. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

In summer XXXX I incurred unexpected auto repair expense that wrecked my fixed income ( Social Security ) ability to pay my two credit card payments. XXXXXXXX XXXX  was very helpful and gave me a long term no interest payment plan that I've been paying for over a year. State Farm Bank ( now bought by XXXX XXXX ) put me on their hardship program in which my payments were {$60.00} per month for a year. In XX/XX/XXXX this hardship year elapsed. My XXXX statement was 50 % more than the hardship payments for the previous year. During the hardship period my income decreased by more than 10 % due to XXXX deduction. On XX/XX/XXXX I called State Farm/XXXX XXXX and asked to remain on the hardship program. " XXXX '' told me that day that " we can't do that '' at which time I informed her that " yes, you can ; you just refuse to do so. '' I happen to know that the bank can do pretty much whatever it wants, up to and including writing off the entire account balance. From XX/XX/XXXX to XX/XX/XXXX I made no less than a dozen attempts with State Farm/XXXX XXXX  to arrange payments I can actually afford. All I got was the " we can't do that '' lie. " XXXX '' told me this same lie on XX/XX/XXXX. I have a voice recording of that conversation. On XXXX XXXX someone at the bank brought up the " permanent hardship program '' and I asked " why hasn't anyone told me about that before? '' The bank person had no answer and I was never offered the chance to be in this heretofore unknown program and they never brought it up again in all the numerous calls, letters, and emails I sent them relative to this matter. In XX/XX/XXXX they sold the account to a debt scavenger and I've made one payment to them and figure to continue doing so. My complaint has to do with whether the bank can blatantly and repeatedly lie to its long time ( more than ten years of not being delinquent ) customers with the " we can't do that '' lie. Also that no effort was made to tell me anything else about the so called " permanent hardship program '' that was only mentioned that one time in XX/XX/XXXX.
Product: Credit card

I applied for an Apple Card Mastercard ( general use credit card ) offered through Goldman Sachs in approx mid XX/XX/XXXX. The card had a promotional offer of {$200.00} after spending {$2000.00} within 90 days of opening. I spent {$2000.00} within 1 month and paid the statement balance in full. The promotion was a pre-approved offer available through XXXX XXXX that partners with Goldman Sachs/Apple . 
In XXXX, I'd not received the bonus and contacted XXXX XXXX XXXX XXXX to inquire on the missing promotional offer. I provided the rep a screenshot of the offer and she confirmed she saw the offer in my history, yet it remained unfulfilled. There was a ticket created to research. 
On XX/XX/XXXX, I received an email stating they needed screenshots, I advised via phone call to Goldman Sachs/Apple that I'd already done that and was told they'd need to reopen a new ticket and wait another 7-10 days for any reply. I asked to file a formal complaint with Goldman Sachs/Apple as I'd already taken that step and completed all of the steps necessary to receive the stated {$200.00} bonus. The rep ( XXXX XXXX completed the complaint, advised that she could not provide a reference # and could not tell me when I could expect to hear back from Goldman Sachs/Apple . I advised I'd file a complaint with the CFPB, she stated she was unfamiliar with the CFPB organization. I explained the purpose of CFPB as a government organization and that they exist to help protect consumers, especially against false advertisements and other unfair or deceptive practices, particularly in the banking industry. 
I also contacted XXXX XXXX on XX/XX/XXXX via chat function on their app and advised of the situation, they could not provide any screenshots further than what I already have. They also could not provide any statement showing that my offer was accepted and approved. They stated that all offers are based on algorithms and there is no way to reproduce something of the nature. They assured me that Goldman Sachs/Apple is a partner, that the offer is legitimate, and that it is owed by Goldman Sachs/Apple , not XXXX XXXX. 
I advised that I intended to file a CFPB complaint and the rep stated that he'd escalate my concerns and I'd be contacted by email. 
As of this posting on XX/XX/XXXX, there has been no further contact by Goldman Sachs/Apple XXXX XXXX XXXX XXXX
Product: Debt collection

Company attempting to collect a debt not owed to them I have no legal binding contract or accounts with said company I have no idea who this company is. I have never filled for anything with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC violations XXXX  breach In XX/XX/XXXX, XXXX  announced it experienced a data breach, which impacted the personal information of approximately 147 million people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. XXXX  denied any wrongdoing and no judgment or finding of wrongdoing was made.

If you are a class member, the deadline to file Initial Claims Period claim ( s ) for free credit monitoring or up to {$120.00} cash payment and other cash reimbursement passed on XX/XX/XXXX. 

https : XXXX they remove it and put it back on with out notifying me first Texas XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$38000.00} CXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$220.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint on XX/XX/20. Company replied XX/XX/20 stating they've completed investigation but could not authenticate my identity. They have my dispute and they have my consumer number. When I filed this complaint through CFPB, it asked for my date of birth to send to this company. Not sure how this company is unable to " authenticate '' my identity. This is just another one of their stall tactics that can be brought up in the courts and fined. I sent an email over to the company at the email address stated in the response letter they sent  me this morning on XX/XX/20 and provided all of the requested documents. I have still not received the telephone number nor the name of the person who allegedly verified this information. I have also been waiting for a return phone call that all of these representatives keep saying it will take 48 hours for a call back and i have not yet to speak with authoritative figure in this company and it's been a week since the request. They will not transfer you to a higher up entity. It is now 19 days past the allotted time and I still have no information.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit which brings out the significant issues with Zelle. After using Zelle multiple times and experiencing multiple discrepancies, my financial institution and Zelle failed to investigate the claims I filed adequately. I was told that funds send out through Zelle were impossible to recover, and that tracking the transactions was also impossible. The CFPBs findings back up that Zelle neglected to protect the customers and also allowed repeated offenders to take advantage of the system and scam users. This lack of accountability and transparency from Zelle raises big concerns towards my safety.