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

To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, Equifax and XXXX  reports. Also I have a derogatory mark from enchanced on behalf of XXXX  which shouldn't be on there as that was settled at XXXX  store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attachments Please For Dispute Issues
Product: Debt collection

I WAS TRAPPED INTO A CAR LOAN BUT WAS NOT ABLE TO APPLY FOR THE XXXX LAW. I KEPT THE CAR DESPITE COMPLAINING TO THE DEALERSHIP ABOUT THE CAR NOT OPERATING CORRECTLY, AFTER I PAID THE CAR OFF TWICE IN PRICE THE CAR STILL GAVE ME PROBLEMS. A SUMMONS WAS ISSUED FOR A COURT PURSUIT IN WHICH THE COURTS RENDERED THE CASE IN MY FAVOR. XXXX IS THE ONLY BUREAU THAT HAS NOT HONORED THIS DELETION
Product: Credit card

I had difficulty finding my statements, but when I finally did, I discovered that I spent XXXX, of which XXXX was before XX/XX/XXXX. 
On XX/XX/XXXX, I was charged XXXX for the credit card. When I called, I was told that if I spent XXXX in 3 months that I would receive the money back and as soon as I spent it I would receive a credit. Tonight ( XX/XX/year> ) after spending over an hour on the phone ( and yelling at a computer voice too ), I learned several policies. XXXX XXXX people told me that they did not have supervisors. ( I guess the representatives that are outsourced from CITI in XXXX do not have supervisors. ) Second, that I would receive my money after 3 or 4 months and that I should call back every month to find out the status. When I mentioned that if the company holds all of their clients {$99.00} for 3 to 4 months, that's a lot of money. The last person hung up on me. Perhaps, I will receive the money in 3 to 4 months or perhaps not. But at this time, I am very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called/ Talked to XXXX XX/XX/XXXX XXXX about outdated late payments reporting on my credit report from XX/XX/XXXX, XX/XX/XXXX 60 days, 90 days, 120 days for account number # XXXX my accounts was in Income Driven Repayment program or unemployment program. I was told by XXXX to call Experian to find out why they are reporting late payments for this period, I disputed these dates and items but Experian was unwilling to remove this negative incorrect infomation from my report. This is hindering me from obtaining credit with this outdated and incorrect information. I am requesting this incorrect information be deleted from my credit report the inaccurated entries follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have been disputing an account with XXXX XXXX XXXX XXXX account number XXXX dated XX/XX/XXXX in the amount {$2300.00} for an apartment complex I never lived, that I request be deleted from my credit report XXXX XXXX is reporting current on my account this was part of bankruptcy XX/XX/XXXX account number # XXXX, I am requesting to be deleted from my credit report I have unauthorized inquiries on my report that I have been requesting be deleted XXXX XXXX XX/XX/XXXX XXXX Co XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Employers : XXXX XXXX Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

capital one account numbers XXXX & XXXX both accounts charged off, NEVER sold to collection agencies if company took profit/loss -- A profit and loss write off on credit bureau report is really just a fancy way of saying that the credit card company decided that a given debt wasn't worth collecting and took a write-off for it. 
since they never sent to collections, I need to see the profit/loss on their tax lines for these two accounts. if they can not show tax reports as a loss, they MUST remove from all credit agencies
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified information on my credit report Equifax and XXXX   I have sent 3 letters to each company and they cant verify the information they said is Ben Verified but they dont have no proof 1st letter sent on XX/XX/18 to Equifax and XXXX 2nd letter was sent on XX/XX/18 to XXXX and to Equifax it was sent on XX/XX/18 .3rd letter was sent on XX/XX/18 to Equifax and 3rd letter to XXXX was sent on XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Credit card

I am deeply frustrated with the way Synchrony Bank, under the CareCredit account, has handled my dispute regarding the prepaid medical services I purchased. Despite paying for 18 sessions upfront, I only received 2 visits before the contract was canceled with agreement from both parties. Since then, the merchant has closed down the business, but still won't process a refund for services not rendered. 

My attempts to resolve this issue through Synchrony Bank have been met with repeated closures of my disputes. They consistently side with the merchant 's false claims of attempting to contact me for a refund, despite no such efforts being made. It's evident that Synchrony 's policies unfairly favor the merchant, placing the burden on me as the consumer to provide extensive documentation while allowing the merchant to escape accountability without any proof of refund attempts or contact. 

This situation has dragged on for over four months, and I am increasingly disillusioned with Synchrony 's lack of support and protection for consumers like myself. It's clear that their policies prioritize the interests of merchants over customers, leaving me feeling neglected and taken advantage of. This is unacceptable, and I urge the Consumer Financial Protection Bureau to intervene and address these unjust practices.
Product: Credit reporting or other personal consumer reports

The company IQ DATA INT'L INC . It is reporting a debt in my name with the amount of {$1900.00} that I do not recognize and according to this company it has the exact data but has not sent me the evidence to support that. According to IQ DATA INT'L INC , this debt belongs to an income in the state of Arizona, where I have never lived and I request that this inaccurate account be removed from my credit report that is affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and XXXX XXXX. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and XXXX XXXX.
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 Consumer 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 resolutions and requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 

XXXX XXXX XXXX Original creditor : 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 15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 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 Section States : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 reasonably cause to believe that the information is inaccurate.
Product: Debt collection

My mother is XXXX soon to be XXXX. She needed help with her answering machine ( she did n't know how to get the messages off ). Within a 3 to 4 day period She had 24 messages and 21 of them was a recorded message from Trans World Systems, Inc " this is an attempt to collect a debt ''. They left a number to call # XXXX I have called multiple times and always get a recording " the person at extension XXXX is unavailable leave your number ''. 
This is crazy to call anyone this many times. My mother does n't owe anyone. How can we get them to stop?? 
Thank you so much and have a nice day!
Product: Debt collection

Barclays - Debt was settled but they have not adjusted the balance and have shut the account down even though debt paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDERAL STUDENT LOANS are on only one credit report ( Equifax ) but has been removed from XXXX and XXXX. Equifax was breached as well as XXXX XXXX and my information was compromised. I filed an Identity Theft Report and Equifax has refused to remove the disputed accounts which is not uniform with the other 2 credit bureaus.
Product: Debt collection

This is not my account with XXXX XXXX. I have tried and called the creditor several times and explained to them that this is not my account. If an account was open this had to be done by my ex husband. I want it removed ASAP
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

Account access restricted and cant use card for transactions. Have 4 total accounts with them. I use them for XXXX, for occasional work deposits- I am in an XXXX XXXXXXXX as a XXXX XXXX XXXX for XXXX XXXX XXXX. I get XXXX payments for rental properties occasionally. This goes to my ally account. I pay all taxes on all these payments. 

Ally called me to review I says everything was good. Then 20 minutes later they restricted my account. I have deposited {$30000.00} checks here that have cleared without notice. I appreciate ally bank because they are very responsive usually. But here they just say the account is under eeview even though I have checks that clear lots of XXXX payments. I have never disputed a transaction ever. They need to unblock my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX These are not my inquiries I did not apply for anything in 2022
Product: Debt collection

XXXX XXXX XXXX has submitted for collection a debt which is time-barred. The literature sent to me cites VA code section XXXX, which section sets forth the time limit to commence such actions ( 2 years ). They will not answer my calls and have submitted violations allegedly occurring in XXXX  and XXXX to an out-of state law firm which also refuses to communicate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax and started a complaint there customer rep.I could hardly understand with his broken english in what ever country I was transferred to. I still file a complaint regarding account balances on my credit are incorrect.

1.XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX - credit card balance showing {$360.00} paid off on XX/XX/52021 2.XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX - credit card balance showing {$270.00} paid off XX/XX/42021 3.XXXX XXXX XXXX balance should be {$150.00} owning
Product: Mortgage

This is to amend the case # XXXX They lied to you. 

They wrote in their letter of XX/XX/XXXX that " SLS had not added a Lender Placed Insurance policy on XXXX  XXXX 's behalf and SLS has covered the cost of insurance for the above-referenced lapse period. '' However, today I received several letters from them, dated XX/XX/XXXX suggesting that they did just the opposite of what they told you. 

They bought hazard insurance from XXXX XXXX XXXX XXXX ( XXXX ) at {$2600.00} for period XXXX, and then they cancelled it on XX/XX/XXXX ( this is the day I managed to convince XXXX  to write me a new policy despite previous cancellation ). They billed my escrow account {$1300.00} on XX/XX/XXXX according to transactions on my mortgage account posted on their website. Both in direct contravention to what they wrote to you in their answer that they would do! 

I refuse to pay that. I would rather XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I demand the protection of the law against those XXXX XXXX. 

And what should I make of them recording my most recent mortgage payment as a " single item receipt '' and/or " unapplied funds unidentified '' - I mean you see well it is the same XXXX amount as what is labeled " mortgage payment '' usually. So is that some other scam that I don't yet get? 

You can't just close complaints when you receive responses from companies like that. You need to do something to stop them from preying on people.
Product: Student loan

In 2014 I lost my 8 year job as a XXXX XXXX XXXX due to no longer being able to do the job because of XXXX. I also have a XXXX that also limits the types of jobs that I can do. In subsequently was found eligible for XXXX and XXXX is now my sole source of income. Since going on XXXX I can no longer make payments on my student loans and other debts and have had to file bankruptcy. I requested that both lenders ( Navient, and XXXX XXXX ) for my XXXX student loans consider discharging the debt because of the XXXX. Neither will do so, and both essentially state that there is no arrangements that they are willing to make. All XXXX loans were made for education at XXXX XXXX XXXX XXXX. As I understand it all XXXX loans are technically dischargeable in a Chapter XXXX bankruptcy because XXXX XXXX School of XXXX is not a Title IV institution, which means that the loans were not made for a " Qualified Education Expense ''. But apparently, according to my current bankruptcy attorney, they ca n't be discharged without an " Adversary Proceeding '' against both lenders which would essentially cost thousands of dollars, to discharge about {$110000.00} in debt. This is something that I do not have the money to do. As it is I am having to make payments to the Bankruptcy attorney just to do the chapter XXXX filing. Finally, in addition to the financial issues I have informed both lenders of the impending bankruptcy filing, and directed that they not call me regarding the debts and provided them with my attorney 's contact information. Despite this XXXX via their collection agency ( Concentrix ( not sure that is correct spelling of the company name ) ) keeps calling daily. I have repeatedly informed them of the bankruptcy and that they were instructed not to call and have even threatened complaints, yet they continually call. So I am writing the CFPB for assistance in XXXX areas. First, and foremost, I am requesting assistance in reaching a resolution with Navient and XXXX regarding my student loan debts. Second, I am requesting assistance in getting XXXX to stop calling. Thank you for any assistance you can offer.
Product: Credit reporting or other personal consumer reports

Unauthorized accounts of my credit : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

We were almost in default with XXXX/Navient. In XXXX 2015 we entered into a 15 month repayment program of XXXX which would cover our loans ( when they were XXXX XXXX ) and we got shifted to Navient. Phone calls went away, come XXXX once Navient took over they said we broke that agreement we had, have ever cancelled auto check on the agreed upon date. Then they told me we were not paying enough, in XXXX when the switch happened they took what our XXXX loans of XXXX were and doubled them and then some. So since XXXX I have received over XXXX phone calls from XXXX different numbers, even after XXXX. It is not only tiresome but straight up vile. When I call to talk to them they wo n't speak with me till I pay off the XXXX + that I am supposedly behind. Back in XXXX I was able to speak with XXXX rep, and she told me I asked for the payment increase. I said show me that in writing or tape or whatever, it never came as I never asked for it. I am fed up and ca n't take the repeated XXXX phone calls 7 days a week from XXXX ( automated ), XXXX XXXX or XXXX XXXX. So since I refuse to pay money on fees, etc they are jacking my loan towards the roof, over XXXX in the last 7 months.
Product: Credit reporting or other personal consumer reports

Equifax has mixed my credit file with my twin sisters '. The following information is incorrectly reported to my credit report Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IN XXXX The XXXX  XXXX XXXX Acct # XXXX - Does not belong to me XXXX  XXXX - Acct # XXXX - Does not belong to me XXXX  XXXX - Acct # XXXX - Does not belong to me XXXX XXXX Acct # XXXX - Does not belong to me XXXX XXXX  - Acct # XXXX - Does not belong to me XXXX - XXXX Acct # XXXX - Does not belong to me XXXX XXXX Acct # XXXX - Does not belong to me
Product: Credit card

I was looking on my Discover account and I saw a bunch of products that were purchased that I never bought and now Im over the limit and now I cant purchase anything