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

XXXX XXXX XXXX XXXX is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to XXXX XXXX XXXX XXXX to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; XXXX XXXX XXXX XXXX did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking XXXX XXXX XXXX XXXX XXXX XXXX and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : Experian, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, etc... This notice is pursuant to 15 USC 1692 ( c ). The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00} for each violation listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a written dispute about fraudulent inquires with Equifax and XXXX XXXX I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. Equifax did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.
Product: Credit reporting or other personal consumer reports

recently checking my credit report i noticed that XXXX been a victim of identity theft and found numerous credit inquiries i have no knowledge of, here are the inquiries that ive found : XXXX XXXX XX/XX/2024, XXXX XXXX XX/XX/2024 XX/XX/2024. Please remove these fraudulent inquiries from my credit report. i also attached my identity theft report as well.
Product: Student loan

This is about loan forgiveness. I applied for TPSLF/PSLF long before XX/XX/2022 ( in the summer ). I was with XXXX and then was transferred to Mohela after I had already met the 120 qualifying payments ( I actually have over 140 qualifying payments as shown on the Mohela site and confirmed by two different customer service agents when I called during summer, during fall and now during spring ). When I called Mohela the first time in XXXX, I asked how long it would take for forgiveness since I had met the requirements for the XXXX in the summer and before being transferred. I was told then that it would take 90 business days after Mohela verified the 120 qualifying payments. It had been over 90 business days. I then received an email from Mohela in XXXX that one of my TPSLF/PSLF was denied because it was not signed. I uploaded the correctly signed form again because apparently XXXX might not have sent the corrected form, even though the issue had already been resolved when I uploaded the correctly signed document in the summer. I called Mohela and was told that uploading the form was not necessary and that my information was already forwarded to XXXX XXXX XXXX for verification and forgiveness, which would take 90 business days. I called Mohela at the of XXXX to ask about progress. I was then told that XXXX began the 90 business days because of the same form that had already been addressed in the summer and again in XXXX. I have been lied to and misdirected. I am sick and tired of dealing with incompetence. I want action now. I did what was supposed to do. I want Mohela to do what they are supposed to do.
Product: Credit card

I refinanced my house and the title company gave me a check made out to Citi card. I wrote my account number on the paper attached to the check. It was cashed on XXXX XXXX, the title company confirmed it. Citi card is saying that they did n't get it. Well they did get it, and cash it. It was for {$2900.00}!! I have called numerous times and been on hold for over 30 minutes. I have gotten no answers, no communication what-so-ever. I have faxed them a copy of the cashed check, and not heard back. The title company faxed them a copy of the check. This is not just a {$50.00} payment. I am so frustrated. I ca n't even get a direct number to call them at. They are horrible and their customer service is horrible. You ca n't even email them without them getting back. No reply. Can you please help me?
Product: Checking or savings account

I am writing to file a complaint against Truist Bank regarding the unjust closure of my account due to suspected fraudulent activity. On XX/XX/year>, Truist Bank closed my account, citing suspected fraudulent transactions as the reason. However, the purchases that triggered this action were legitimate and authorized by me. 
I immediately contacted Truist Bank to clarify that the transactions in question were legitimate. Despite my attempts to resolve the situation, the bank proceeded with closing my account, causing me significant inconvenience and financial distress. 
This action has led to unnecessary complications, including delays in bill payments, and impact in me process my tuition debt payment.
Product: Student loan

I have been calling, emailing and filing complaints for the past 3 months about my payments that report that they are missing when they are not missing. I have uploaded my bank stammers stating they were processed and my payment history made to my loan servicer. I was suppose to be eligible for loan forgiveness XX/XX/year> and now it is XXXX with no resolution. I have filed reconsideration requests, buyback requests, and filed multiple complaints with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from my bank ( XXXX ) about a recent credit inquiry on my credit report that I did not authorize, from a lender that I do not recognize. The lender is listed as ELAN FIN SVCSXXXX and the inquiry date is listed as XX/XX/2023.
Product: Payday loan, title loan, or personal loan

To whom it may concern I'm having an issue with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GEORGIA XXXX XXXX SEND PAYMENT TO XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MISSOURI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MICHIGAN XXXX XXXX I made a purchase of a washing machine and dryer the total cost was {$1100.00} my payments are {$73.00} I made the purchase of the washing machine and dryer on XX/XX/2018 which I have made 8 payments {$73.00} 8 months = {$580.00} but after 8 months of pain my monthly fee I found that I still owed {$1000.00} that only {$91.00} has been applied to my bill and {$490.00} it's the fee if I pay another 8 months only {$91.00} will be applied to my bill and another {$490.00} would be my fee and I will still own {$1000.00} these fees are outrageous I have credit cards for XXXX XXXX store and other credit card stores and I have never ever been charged {$490.00} for fee these are sticker shock fees these fees are unfair to the unexpected consumer I never ever expected to have such big outrageous fees I was told I would have a one-time application fee and I was told that a little intrigued will put on for the fees like {$10.00} or {$15.00} not {$500.00} fees that's more than the product and the purchase I was trying to make a purchase and pay it off when I agree to this contract I had no ideal that the fees would be so outrageous it unfair to the consumer 8 months 8 months = 64 {$73.00} 8 months = {$580.00} {$73.00} 8 months = {$580.00} = {$1100.00} - {$180.00} this what will go on the bill after 64 months = {$980.00} is the fees and the original purchase price of the washing machine and dryer is {$1100.00} - {$180.00} is applied to the bill 64 months I will still owe {$1000.00} EST. 
The washer was {$440.00} the warranty was additional {$110.00} in the dryer the dryer was {$440.00} and the warranty {$110.00} I was not in no way aware of paying {$500.00} on fees on a {$440.00} wash machine and put in a position where I could never afford to pay for the product because the fee is more than the product an unfair to the unexpected customer sincerely yours dissatisfied customer
Product: Checking or savings account

Company : Citi Bank Issue : Citi Bank closed my checking account while I was signing up for the promotional bonus. Then near the promotion closing date, I got an email from Citibank to state that my Citibank Checking Offer was not fulfilled the Offer 's eligibility requirements for the following reason : Your checking account is closed and therefore not eligible for the offer. 

I would like to file a complain for unsavory business practice as Citi has purposely closed my account and has been Deceptive or at least misled me to believe that it was ok to put my money all in saving.
Product: Money transfer, virtual currency, or money service

I had contacted XXXX XXXX and his wife XXXX XXXX https : XXXX regarding their advertised Paper Writing Assistance services, which aims to help writers improve their writing skills. The services offered are advertised on their business website at https XXXX XXXX as well as their XXXX page https : XXXX numerous emails were exchange as well as text messages regarding the service and how it would be an excellent fit for me. To begin such services, XXXX requested that {$100.00} either be sent via XXXX to their account at XXXX or if local within the XXXX XXXX area, can be paid in person. Since I was not local, I opted for XXXX and, with my Bank of America account, transferred {$100.00} to XXXX. XXXX asked me if I felt I thought would benefit from further assistance with constructing and revising other papers moving forward, and if so, she could help me with those subsequent assignments at a better rate. Given XXXX and XXXX 's services being in high demand, they requested that I send her an additional {$250.00} upfront again using XXXX to ensure priority moving forward. To prevent any delay, I immediately sent the extra {$250.00} requested using XXXX via Bank of America that same night, equalling a total of {$350.00} being sent altogether. Before I sent the payment, I had communicated the importance of when I wanted the services completed. Providing them with a due date allowed me sufficient time to construct my paper using their guideline/template, ensuring my writing was in line with what was being asked in the assignment. Communications remained excellent throughout the course, leading to the date when the first template/outline was due. On the day the service was to be delivered, I contacted XXXX numerous times via text messages to the number we had communicated with prior, which was XXXX. All text messages remained unanswered ; emails sent to their business account, which XXXX and XXXX have access too XXXX, also went unanswered. The unfortunate part of all this is that their company is named XXXX XXXX XXXX ( English as a Second Language ), which can indicate that their scam targets individuals who are already struggling with a language barrier. The fact that they are targeting individuals who are already at a disadvantage due to the language barrier ; ensure that they can get away with what seems like a well thought out organized scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently on XX/XX/2019, I " signed up '' for Transunion 's $ XXXXmonth credit monitoring service. With tax, I was charged {$21.00} on XX/XX/XXXX unbeknownst to me. Again, yesterday, XX/XX/2019, I was again charged {$21.00} for this " service ''. 

This time I noticed the charge ; I was able to cancel my service, and Transunion customer support told me they could issue a refund for the charge yesterday. 

I assume they obtained my email address when I filed for my free credit report ( probably this is when I was subscribed to their " service '' ). The thing is, I NEVER gave them my credit card information, which I assume I would have had to do to subscribe to a monthly charge. 

So they signed me up somehow? I was not aware of this subscription. If you look, I never even used the service in the past month, I have not logged onto their website since the day I received my free credit report. 

Even more infuriating, they never ever sent me a single email confirming my subscription, detailing the service or any other information. It's like they secretly subscribed me to get money out of me hoping I wouldn't notice. 

I assume there was some condition hidden in the free credit report, but they obtained my credit card information elsewhere ( i.e., not from me ). 

I cancelled the subscription I never agreed to this morning. Transunion said they could issue a one-time refund for the second charge from XX/XX/XXXX. I contacted my bank and put a stop payment on Transunion charges, and filed a dispute for the XX/XX/XXXX charge considering I never even used their " service '' during this entire period, nor did they ever email me confirming my subscription or providing the service. 

Very shady and questionable business practices.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX  1002.142 ( 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 am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following account : XXXX Account number : XXXX Balance : {$1200.00} XXXX Account number : XXXX Balance : {$0.00} XXXXXXXX XXXX  Account number : XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$730.00} XXXXXXXX XXXX Account number : XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX  XXXX with Account number XXXX is showing incorrect balance. the account is paid off with XXXX balance
Product: Credit reporting or other personal consumer reports

I was checking my Experian credit report as of XX/XX/XXXX when I noticed that were was a hard inquiry made on XX/XX/XXXX regarding a new loan installment or bank account at XXXX XXXX XXXX. I have never been a customer at XXXX XXXX XXXX  before and I don't recognize this inquiry. I have reported already to the Federal Trade Commission regarding fraud. I would like to report fraud and identity theft directly to XXXX XXXX XXXX, and to request the bank investigate this matter and reverse the hard inquiry.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appears on my credit report, even after your investigation. I would like these accounts immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business of each Individual with whom you verified the above, so that I may follow up. please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I AM ONE TO CHECK MY CREDIT OFTEN AND THIS APPEARED SUDDENLY TODAY. THIS DEBT IS OVER 8 YEARS OLD AND THIS IS ILLEAGAL FOR THEM TO KEEP REBUYING AND RESELLING ONES INFORMATION ( THATS OVER 8 YRS OLD ) TO NEW CREDITORS THEN THEY MESS UP CREDIT. THAT NOT RIGHT UNDER THE FCRA AND I WANT THIS DEBT COLLECTION TO CEASE AND DESIST NOW. ARE YOU ALL THAT DESPERATE FOR BUSINESS. ON TOP OF THAT ITS ILLEGAL. 

IN TEXAS, THE STATUE OF LIMITATION FOR DEBT COLLECTIONS IS FOUR YEARS. 

SO I SUGGEST YOU ALL REMOVE THIS AND STOP RESELLING PEOPLES INFORMATION THEN IT POPS UP ON OUR CREDIT WHEN ON TOP OF THAT THERE WAS NEVER ANY NOTIFICATION ( WITH A CURRENT DATE THATS NOT EVEN VALID ) GET YOUR XXXX TOGETHER AND STOP WITH THIS ILLEGAL ACTIVITY!!!! IT JUST MAGICALLY APPEARS ON THERE. LUCKILY FOR MYSELF I KEEP ON TOP OF MY CREDIT AND ALSO I KNOW FOR A FACT THIS IS ILLEGAL SO PLEASE REMOVE THIS FROM ALL THRE CREDIT BUREAUS PERMANTELY.!!! 

WHO KNOWS WHAT JEFFERSON CAPITAL EVEN IS. I HAD TO XXXX THE XXXX AND IT HAS ONE STAR OUT OF FIVE. SAYS ALOT. HOW THE XXXX DO YOU ALL POP UP WITH SOME MAGICAL DATE TO SLAP ON PEOPLES CREDIT. YOU ALL ARE PATHETIC. REMOVE THIS XXXX NOW
Product: Credit card or prepaid card

I had a XXXX paycard from my work which is XXXX. Well one time in XX/XX/XXXX I had gotten a text stating that I won a phone and I just had to pay {$1.00} shipping. So XXXX me fell for it and this was the ONLY TIME I had ever put my card information in. As soon as I did that it cut me off the page and I couldn't find it again. I was nervous hoping I hadn't been scammed so I kept an eye out on my account. On XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX there was a purchase made for {$89.00} to an XXXX  and I had never heard of this place. I live in Tennessee and all of my transactions were made in Tennessee. Well this place said it was Arizona. I tried to look up place online which said it was a fitness place.So I talked to XXXX they opened up a case but said I made the purchase and I know I didn't. So they gave me the number to call the place which when they answered they said XXXX and they would transfer me to XXXX which here I went again XXXX me. Oh and XXXX said in their report it was a clothing store going out of business. Well when I was on the phone with supposed XXXX they kept asking if I had bank account, etc. So I hung up on them and tried to reopen case with XXXX which eventually I seen on the web that the XXXX was a scam site. Well I never got my money back because they said I made the purchase which I didn't. The only thing I could think of was when I put my information in for that {$1.00} shipping for the phone. So its XX/XX/XXXX and still no money back and XXXX  just quit talking to me and now I don't have that card anymore because XXXX sold to XXXX which different card for pay so I got a bank account. But ... XXXXcan u please get my money back to me because I know I didn't do this and I can't get them to believe me so I hope u can help... thank you!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX Acccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Money transfer, virtual currency, or money service

every XXXX of the month for a year totaling XXXX XXXX