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

On XX/XX/year> I received a copy of my consumer report and noticed some accounts that do not belong to me. I have never entered into a consumer credit contract with any of these companies listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request evidence from these companies and they have failed to provide proof that I consented to anything. I want a full reinvestigation into these fraudulent accounts. 15 USC 1692G states that all debt collectors provide sufficient evidence to support they claim. I know I never signed anything with these companies so these accounts shall all be removed.
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of purchasing a home and TransUnion credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact TransUnion to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent
Product: Credit reporting or other personal consumer reports

Atter discovering negative and unauthorized information on my credit report, I suspected identity theft and immediately contacted Experian to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the XXXX breach. Despite my efforts, Experian, XXXX and XXXX denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, as these negative marks are damaging my credit and financial standing. I believe that Experian, XXXX and XXXX has not fully investigated the potential identity theft tied to the XXXX breach and l am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. ACCOUNTS LISTED BELOW : 1.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

UAS is attempting to say that I did not make a payment on my account for 3 months when there was a gap in my student loan forbearance. I have emails, screen shots, and payment confirmation showing that I did pay that amount. The emails also show that I spoke with them to make sure that when I paid the amount, my account would be current and my deferment would resume as I started graduate school. I have email payment confirmations showing that I made the payments they are referring to. They sent my account to collections now (XX/XX/XXXX ) saying I never paid back in XXXX, when we already resolved that issue. They refuse to take the account back from collection, therefore ruining my credit.
Product: Checking or savings account

My debit card info saved in the XX/XX/XXXX app was stolen and I was charged for 4 transactions totaling {$160.00} on XX/XX/2022. The unauthorized XX/XX/XXXX orders were placed in 4 different states in the same afternoon. I immediately saw the notification from my bank ( chime ) and disabled and cancelled my debit card to avoid further theft. I flagged these 4 fraudulent transactions in my banking app as well. Ive spent a lot of time trying to correct this and receive a refund- I have tried all methods of communication ( chat, email, phone ) with both companies involved ( Chime and XXXX ). Despite my tenacious attempts, no resolution has been made. XXXX customer service agents directed me to file a chargeback with my bank. They said that in instances like these, the bank will refund their customer and then chipotle will refund my bank as well as pay them a small fee. I relayed this information to chime customer service agents. I followed up after my dispute for fraudulent transactions was denied by chime. They told me no error was made. I rebutted this decision and requested that my dispute case be reopened. I emailed screenshots of the order confirmation emails I received fromXX/XX/XXXX, showing the time as well as the various locations that these transactions were made. My request to reopen my fraud investigation was declined. I have followed up with every email and phone call from chime and XX/XX/XXXX. This has been shockingly difficult to receive any help. I asked both companies multiple times what I could provide to prove my location was nowhere near the locations of these transactions. The only answer chime customer service agents provided me was the to send in a photo of a paystub if I worked on the XXXX. This theft occurred on the weekend, so I was at home all day, not at work. After telling customer service agents this, no other real solutions were given. I had no idea it would be this frustrating and difficult to simple receive a refund of my stolen money. Finally, I came up with an idea to email chime support a photo I took at my house on the afternoon of XX/XX/XXXX ( when the fraudulent orders were placed ). I also attached a screenshot of the metadata of that photo - proving that I was at my house when theXX/XX/XXXX orders were placed in multiple states far from my location. Im not sure how else to prove to my bank that these four transactions were fraudulent. Chime responded once again in an email saying that sufficient evidence was not provided. Please help this come to the correct resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, Equifax, and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rights of privacy 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting Agency can not furnish a account without written instructions
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 XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have rights 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

Trans Union has my personal information inaccessible. When attempting to freeze or unfreeze my credit report, verify my information or monitor what they are reporting I have " security issues '' that prevent me from access and requires a phone call or chat that takes hours of going in circles to resolve NOTHING. Trans Union consistently lowers my score without providing the " changes '' that caused the XXXX to XXXX point drop. The representatives are all outsourced in countries where they have No Idea what a consumers rights are with access to my very private information that even I can not access. I can only see the results of their misleading and unethical practices. I recently paid in full a credit line, it was reported on both XXXX and XXXX as XXXX balance but trans union reported it as " last reported '' the month before then lowered my score XXXX points. I also had a situation where I provided repeatedly proof of payment for a collection account that the trans union representative told me the collection agency had validated as accurate in less than XXXX hours of my dispute. I had to dispute the false reporting 3 times and finally eith a letter pertaining to consumer rights violations and unfair reporting.Trans Union intentionally fails to accurately portray a consumers credit worthiness costing me as well as thousands of others time and money. I would speculate the intent is to manipulate consumers into buying into their monthly monitoring subscription creating a situation of unfair and unethical practices that directly affect consumer finances and spending.
Product: Credit reporting

I have never lived at XXXX XXXX XXXX XXXX, XXXX XXXX, LA. 
This address keeps appearing on my credit reports. Please advise, thank you.
Product: Credit reporting

I do not have any negative information on my credit report. My credit accounts are paid before the due date. My credit score was XXXX but in the past few weeks ALL XXXX report my score as XXXX. I asked them why but they never answered me back. I need to know why this is taking place.
Product: Credit card or prepaid card

I have Netspend skylight one through my employer and netspend has been fraudulently sending out my replacement cards to somewhere in the United States. Now they have Closed my account Due to risk management.
Product: Credit card or prepaid card

I ordered a XXXX XXXX XXXX from American Express online and received it on XX/XX/2023. I made two initial deposits of {$15.00} and {$40.00} through electronic transfer from my checking account at another institution upon activating the prepaid card. The prepaid card account has been locked for no reason and the only explanation that I have received is call your financial institution. I am unable to access the prepaid account and use my money. I have submitted a dispute through my financial institution on XX/XX/2023.
Product: Credit card

I recently received a copy of my XXXX consumer FICO report and noticed a active fraudulent, inaccurate, WELLS FARGO CARD SERV account opened on XX/XX/year> under the account number XXXX reporting as OPENED in my consumer FICO credit file. I have noticed WELLS FARGO CARD SERV NOTICE and as they appear to think i owe them money, i am happy to pay, but first i need some verification before payment is made. First, there is a need to verify the debt, so please send me a bill with a human signature on it. Also, i need to see the lawful, two-party contract supporting the bill with the wet ink signatures of both parties, Yes I'm requesting validation of the debt which includes the copy of all accounting records pertaining to this account, Verification of WELLS FARGO CARD SERV claim against me which is a signed Invoice with my wet ink signature you alleged i have signed and the wet ink signature of WELLS FARGO CARD SERV, I demand a copy of the legal Contract binding both parties which is allegedly me and WELLS FARGO CARD SERV in a letter by " certified mail ' so that there is an independent witness to it having been hand delivered, this legal Contract needs to include the wet ink signature. I demand to see the Full Disclosure because i was not told that i was actually creating the CREDIT with my wet ink signature. There was no Equal Consideration because WELLS FARGO CARD SERV brought nothing of value to the table and so had nothing to lose. Lawful Terms and Conditions because mine was based on FRAUD. The wet ink signature of both parties must be signed on a legal binding contract from my understanding of the law WELLS FARGO CARD SERV corporation cant sign with a wet ink signature because they have no Right or Mind to contract since WELLS FARGO CARD SERV are soul-less legal fiction ( WELLS FARGO CARD SERV ) and furthermore, no third party can sign a contract on their behalf. I demand you send me documents of who signed this legal binding Contract with their wet ink signature, because it wasn't me. I'm not requesting a STATEMENT, let me remind you a Statement is not an INVOICE, please provide a signed ' Invoice ' as requested. Please do not send me a Loan or Credit Card application, a Loan or Credit card application does not constitute a Contract as it is only signed by one of the parties ( him/her self ), i demand a copy of the Contract signed by both parties. I'm requesting all signed documents, contracts, invoices with the wet ink signatures of both parties be sent to me within the next 14 days and if this does not happen, then i will consider the debt fully discharged and if you refuse to either supply a bill with a human signature on it and the lawful, two-party contract supporting the bill with the wet ink signatures of both parties,, then stop bothering me and delete this from my consumer FICO report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. Or permissible purpose to anyone to publish these accounts. 

I am holding them liable under 15 usc 1681n and 1681o for actual, statutory, punitive damages. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 

I want this account deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

On XX/XX/XXXX, the Bureau issued an order against XXXX XXXX XXXX XXXX, to address its unlawful collection activities involving student-loan borrowers who were attempting to bring their student loans out of default. Student loan borrowers who have defaulted on Federal Family Education Loan Program loans have a one-time right to rehabilitate their loans and bring their loans back into good standing by entering into a rehabilitation agreement and making a series of reasonable and affordable payments. If a borrower enters into a loan-rehabilitation agreement within 65 days of defaulting on the loan, the borrower is also not required to pay collection costs associated with the default. From XXXX to XXXX, XXXX used its control over the rehabilitation process to delay borrowers loan rehabilitations so that collection costs would be added to their loans. If borrowers in default called XXXX to rehabilitate their loans within 65 days from default, XXXX agents were instructed to do whatever they could to delay the borrowers rehabilitation until after 65 days had passed, allowing for the imposition of collection costs on the borrowers. Through these practices, XXXX generated fees for itself while causing individual borrowers to incur XXXX  of dollars in additional costs added to their loan obligations. This conduct constituted unfair and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 and unfair and unconscionable means to collect or attempt to collect debts in violation of the Fair Debt Collection Practices Act. The order requires XXXX to stop servicing and collecting on any student loan debt and to pay a {$700000.00} civil money penalty. 

According to this summary above, the actions of the student loan agencies have violated my rights from my income driven repayment plan and have reported to the credit agencies that I have missed payments when in fact there were measures taken to cause me to go in default of my student loans. this is an unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXXXXXX, my husband and I purchased a vehicle using XXXX XXXX XXXX XXXX ( XXXX ) as our loan agency. We had XXXX XXXX on our vehicle from the beginning, and switched to XXXX XXXX XXXX XXXX when we purchased a house ( to bundle our home and car insurance ). A copy of our insurance policy was sent to the XXXX close to our home- which was overlooked. XXXX increased our monthly loan payments but we continued paying our normal monthly payments. In XXXX XXXX XXXX, our vehicle was repossessed. We quickly found documentation without our insurance policy that stated a copy of the policy was sent to XXXX, and our vehicle was given back to us and all fees were waived due to their mistake. 
In XXXX XXXX XXXX, we went to apply for a mortgage loan and our credit reports were pulled. The repossession showed up on both my and my husband 's reports, along with over XXXX reported late payments on our car loan. We were denied a mortgage loan, and went to XXXX to try to clear up this situation. They confirmed that we had never missed a payment, and gave me a phone number for XXXX XXXX  to talk to someone about getting the repossession taken off of our credit reports. After speaking to a representative, I was given an email address to submit my statement and documentation. Shortly after that email was sent, I received an email saying they audited our account and were pleased to inform us all late payments and the repossession would be removed from our credit reports. 
In XXXX, I went to check our credit reports and the repossession along with the late payments were off of XXXX, but still being reported to Equifax. I submitted a dispute with Equifax ( as did my husband ), and it was not resolved. 
We tried to pull our credit again a few weeks ago ( XX/XX/XXXX ) to try and apply for a mortgage again, and the repossession and late payments are still showing up on our Equifax reports. We went to the XXXX we used to live by ( the one who initially ordered the repossession in XXXX ), and obtained a statement on their letterhead stating that there are no late payments and a repossession on our account and it should be removed from our credit reports. I submitted this statement as a dispute on Equifax, and it was not fixed. On both dispute results, an address and phone number was listed for a XXXX office they claimed were making the reports of the repossession. I called the Equifax help line to try to solve this problem by talking to someone, and they confirmed this XXXX office was the one making these reports. I go to look up the address that was given on our results, and it was wrong. I go to call the phone number on the dispute results, and it was disconnected. 
I want the repossession and the late payments- both of which are false credit reporting - removed from our credit reports. I will seek legal representation for this if necessary, as I know it is a direct violation of mine and my husband 's rights.
Product: Credit reporting or other personal consumer reports

Hard inquiries not authorized by me have appeared on my credit report, violating 15 USC 1681b ( c ) ( 2 ) and lowering my credit score. Please remove these immediately.
Product: Credit card or prepaid card

i been applied for my UI benefits and got confirmation that evrything would come through. i've found out i've gotten three payments into m account and have yet to receive my prepaid card. i filed on XX/XX/2020. i really need my card and been trying to contact someone on whats going on and haven't received a response yet. please help