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

I the natural consumer became aware of the fraudulent account on my credit report XX/XX/2021. This consumer contract was open on XXXX XXXX without my knowledge permission, or consent. The consumer contract pursuant 16 CFR 433.1-433.3 is incomplete it takes two signatures and I never signed a contract with XXXX XXXX XXXX XXXX  XXXX I have the right to demand to stop of communication on all mediums in collection to this alleged debt pursuant 15 USC 1692 c ( c ). Since XXXX Equifax and XXXX failed the banking system by reporting this unfair inaccurate information pursuant FCRA 15 USC 1681 delete this account or be held liable for all damages listed. XXXX Equifax and XXXX are not exercising their grave responsibilities with fairness, impartiality, and respect for my privacy. The account is impairing my abilities to receive goods for my personal family or household usage as a natural person consumer pursuant 16 CFR 433.1. XXXX Equifax and XXXX does not have permissible purpose to furnish this account per my written consent in accordance to the FCRA. This is aggravated identity theft 18 USC 1021a and all parties will be held liable. XXXX Equifax and XXXX failed to properly investigate the information before furnishing the data so a response saying an investigation will be started I will pursue further litigation and XXXX Equifax and XXXX will be held by default to those damages.
Product: Credit card or prepaid card

I'm a customer with Capital One and several years ago made a {$100.00} cash advance, which they have been charging me interest on every month since. I have brought the balance lower and higher than what it was when I took the cash out and make larger payments than the minimum a month. However I have had to use the card recently for medical expenses and have been trying to pay off the cash advance so they stop charging me an additional interest fee every month on top of the normal interest they charge. I called and talked with a manager named XXXX who said since the cash advance and normal purchase rates are the same they can't allow me to just pay off the cash advance due to federal regulations and that they would continue charging me the interest on the cash advance until the entire balance is paid off. These companies are taking federal laws that are supposed to protect the customer and weaponizing them against us so they can nickel and dime us for years.
Product: Money transfer, virtual currency, or money service

Paypal won't let me withdrawal my money. 

On XX/XX/XXXX, I received an email from PayPal stating that my account had been permanently limited and that I could no longer use PayPal. I had no idea why this would happen ; So I called them. It turns out they don't know either. 

I have emailed and called multiple times. They don't respond to emails and on calls they can't even tell me why my account has been limited. I can not withdraw my funds. 

I need the money. Please help. 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that XXXX XXXX and Equifax both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the two credit report agencies, XXXX and Experian to investigate this unknown account, XXXX XXXX XXXX XXXX XXXX # XXXX appearing on my credit file. I asked them to furnish me with a contract or agreement bearing my signature to help me determine if this account is fraudulent. They have not provided me with this information. 

XXXX and Experian did not investigate this this account. These agencies stamped the dispute as accurate with no proof to support their opinion.
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding XXXX XXXX applications and provide full relief for those impacted. 
Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : * 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 has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 
At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts. 
We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 
XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 
XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 
Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 
We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 
Thank you for your attention to this urgent matter. 
Sincerely, Students & Graduates of XXXX XXXX
Product: Debt collection

After carefully reviewing my latest credit report, I noticed multiple accounts that appear to be inaccurate and were added without my consent.
Product: Credit reporting or other personal consumer reports

Trans union was tasked investigating XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These incorrect accounts have already been removed from XXXX. Trans union had an account XX/XX/year> they opened and never processed with in the 30 days. They never responded why and opened another dispute for the same issue on XX/XX/year> they also never finalized this dispute. Trans union was contacted over the phone mail with correct dispute information and refused to assess any. Transunion was also tasked with presenting who was running the investigation as they have repeatedly made errors that have taken months to resolve and lost of extra cost. Trans union is now at 60+ days with no dispute resolutions and no reason why they have opened and closed disputes. Transunions lack of care with file has led to file being assessed incorrect by multiple departments. These files should ALL BE DELETED. To match my other file from XXXX.
Product: Credit reporting or other personal consumer reports

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft, which has resulted in several unauthorized activity on my report. I never got a joint loan with Toyota motor and I'm a victim and I did not sign or consent to this
Product: Debt collection

After viewing my credit file, I noticed I had a collection account. XX/XX/2019 I sent the collection agency a validation letter asking for proof. Under the FDCPA, if the collection agency doesnt validate then they no longer can collect payment and is required to removed the debt. Being as though I never received any letters or notices from this collection agency prior to this collection on my file is weird to me. Also, the CA did not satisfy proof of this alleged debt, therefore I am making a complaint with CFPB.
Product: Debt collection

I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from Capital One. I have never entered an agreement with XXXX XXXX and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between Capital one and XXXX giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay XXXX. They can also include the contract with my wet signature showing an obligation to Capital One. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. Capital one allegedly charged this debt off and I have not received a 1099-C for their write off!
Product: Debt collection

Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.
Product: Prepaid card

On XXXX XXXX, 2015 netspend closed my account I called that day asking what was going on and all they told me is that they closed it due to a deposit. I explained to them that I had received that check as payment and did n't know that the check was a forged check. Well on XXXX XXXX XXXX was deposited in to my account I called them back up and asked for my money I was told that they will be mailing me out a refund check with my money and that it would take 20 business days. I called a week later to make sure my check was mailed out I was told it was sent out on XXXX, 2015 while on the phone I asked to make sure my address was right cause I had moved and changed it. Well while they was repeating my address they said my zip code wrong I told them that is not what I had gave them and I was told that it would be fixed and another check would be sent out and this XXXX will come in 10 business days. I call a week later again to check I was told something completely different saying that the check was sent out on XXXX XXXX and I had to wait 20 business days. Nothing about the previous call about the zip code being wrong and nothing about another check being mailed out. I called back on XXXX XXXX and was told that I will get my refund check on XXXX XXXX I asked how is that possible if that is thanks giving then they changed it to the XXXX of XXXX I asked o talk to a supervisor and she told me that it would be their on the XXXX and gave me some number telling me this is how I would be able to track my check. The number I was giving was not any number usps used and I was upset again for giving me another lie. I called back on XXXX XXXX and told them.I still have not recived my money and was told that they sent out another check and that I would Ger it in 3 to five days. I called again on the XXXX and was told another story about how my account was just called as of XXXX XXXX and that a check was never mailed out till the XXXX cause I didnr turn in the paper work thatbwas requested since I requested to close the account. I told her that was a lie and that I never asked to close my account and that my account was closed on XXXX XXXX I was told the was not true and that it was closed XXXX XXXX and that was when the refund check was issued. Today is XXXX XXXX and I still have not received my money and I 'm about to be evicted and lose my car and no food to feed my XXXX kids. I really need my money and I 'm tired of getting the running around with them with my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a method of verification letter was delivered by certified mail to TransUnion. The method of verification was in regards to a public record from U.S. Bankruptcy Court XXXX number XXXX. I never received a response back. On XX/XX/2020 a non response letter was delivered certified mail to TransUnion. Today is XX/XX/2020 and I still have not received a response back from TransUnion.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC 1681g, I ask that they be removed within 15 days. Please find the enclosed documents for your review.
Product: Checking or savings account

On XX/XX/XXXX, a number of obvious fraudulent transactions were charged to my account, Chase made no attempt to properly investigate my claim and merely stated to me on the phone " they were consistent with my spending. '' Which is utterly ridiculous. There are over 50 fraudulent charges for {$28.00} at various speedway gas stations. My guess is my information was stolen somewhere while i was on a trip on the west side of Michigan. Either way, am i more than prepared to fight them on this. I know I'm not the only victim of these crimes and the bank has failed in my opinion to properly guard their customers against this type of fraud and failed to take my claim seriously by doing some cursory " investigation. '' Did they contact the merchant? No. Check the cameras? No. Did their " investigator '' even ask me any questions? No. They didn't ask me to do anything to strengthen my case even though I feel like its pretty open and shut. The point is, I feel like I can prove this wasn't me pretty easily and they aren't listening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : SANTANDER CONSUMER USA Furnished date : XX/XX/2020 Bureaus Reporting : XXXX ; XXXX I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer. 

Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ignoring my Congress granted rights. I also reached out to XXXX and XXXX to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long. 

I am requesting this company ( Santander Consumer USA ) to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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
Product: Debt collection

I keep getting phone calls from numerous different phone numbers. There is never a message left on my voice mail, or with who may answer my phone. Today I answered, and I requested a paper bill since i have never received XXXX. The representative stated that there were XXXX previous letters mailed this year. She then went on to say that it sometimes appears as junk mail because there is no return address is on the outside of the envelope. She urged me to just go online and look at the account that way. I do n't care if they design their correspondence to resemble junk mail so that they can pull this XXXX people. I was also a bill collector, and know that what she is telling me is bordering on unethical.I re-asserted my right to a paper bill, and she said that she would note that this has been a refusal to pay the debt. I reiterated to her that I am simply asking for something on paper, and have not refused to pay. I stated to her that she is lying in her notes if she does document the call in that way, and that I would be making my own notes of the call. I informed her that I would specifically be noting how I requested a bill, and got the response that I was refusing to pay the bill. I told her that I would be doing this to protect myself when this went to court to show how Portfolio falsified their call notes when I simply requested a bill.
Product: Checking or savings account

After contacting the bank and letting them know about the problem, the account has continued to remain open and there are additional charges being assessed regardless that they have been asked to close the account and stop any further transactions from posting. The account was charged for items that were not delivered, items not ordered through a closed email account.
Product: Credit reporting or other personal consumer reports

National credit adjusters removed an account from my credit report after paying for delete in 2023. Today, the account has been added back to my XXXX credit report. I have disputed the record and asked for it to be removed according to the terms, but I was not successful. I am requesting that this account be removed from my credit report.
Product: Debt collection

Per the XXXX  report it claims on XX/XX/2020 I went to XXXX and was treated and was billed XXXX. 

This is simply not true. I did not go to the hospital at all during the pandemic. 

This is not the first time they have tried to put something on my credit report. Just this past XXXX I dispute it a {$300.00} charge that they claimed was mine from XX/XX/2020. When I disputed it, it was ruled that it was not true and taken off my report. 

I try to do the same thing for this one however they are telling me it is true and I know it is not. I feel that I am a victim of either discrimination or identity theft because this is not the first time this company USCB has tried to claim that I owe them. 

You can look at my credit report and see that I am a credible person and pay my debts to who is owed. It is very frustrating when every month I have to dispute a false charge. I feel I am being targeted at this point. 

Please advise, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The reporting of this accout is incorrect as i still see a balance after the charge off. Please explain why there is a past due balance when your company charged off the alleged debt on the report but it still shows a balance? I am pretty sure you know this is a violation. I demand the immediate removal of this accout to ensure that your agency is reporting full and only complete information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX Balance : {$710.00}