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

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 1681I ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. 
Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Reporting inaccurate information on my credit report., They are violating my consumer credit rights.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was paid off in XXXX of 2023. For the amount of {$860.00}. Customer services then said OKAY we will send you your title. XXXX came around and they never send me my copy of the title. I called week 1 week 2 and week 3 and I had no positive responses as to why my title was not sent then. I spoke to management, and they told me I needed to sign off on a document stating that I paid off loan as agreed after that signature I would get my title. Since I received in the state of New Mexico title Max is no longer doing services so some on in the state of XXXX XXXX Texas has my title. They never gave me the location of this place to pick up my title. Then again XXXX came around and I asked what is going on with my title they said they have a lien on it.
Product: Mortgage

XXXX XXXX initially under XXXX  forbearance and I wanted to resume payments in XX/XX/XXXX. I thought they would be working in XXXX XXXX to support XXXX  in the process of getting back on XXXX XXXX. XXXX XXXX wrong. XXXX XXXX given the run around for over XXXX years. They would asked for XXXX  than say they didn't receive it. Even though I sent the information via XXXX and I have proof that it was sent. Fast forward in early XXXX, I finally had a notification that I had a complete package. Which was soon after XXXX  a modification because they said that I had XXXX XXXX modification in the past ( XXXX only had XXXX, and that was XXXX year ago ). This limited XXXX  optionsXXXX XXXX asked them for clarification about how many modification is considered XXXX XXXX They wrote XXXX  back that it was an error, and that I didn't have XXXX XXXX modification. That they would take a look at my request XXXX  more. I was denied XXXX  after stating that they didn't receive a signed profit loss statement from an XXXX. For the past XXXX years XXXX XXXX sending a profit loss statement and never had it signed by an XXXX  and never even was asked to do so. They denied XXXX  before they gave XXXX  a chance to get what they were asking for. At that point, XXXX XXXX ready to move forward apply for the modification and get them the information they were asking for at which point they told XXXX  that the guideline changed as of XX/XX/XXXX and that they would not be able to review a modification XXXX  for XXXX  until XXXX XXXX is no longer XXXX. How can I get XXXX XXXX no longer delinquent when the arrears are so XXXX, because for over XXXX years I have been in the back and forth with the bank/servicer and with no resolve. I am a hardworking XXXX  payer and all I want to do it pay XXXX  XXXX  and take care of XXXX XXXX Please XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

They injured me by violating multiple federal laws pursuant to the FDCPA
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602A states l have the right to privacy 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 1 5 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

-Submitted for XXXX XX/XX/XXXX with XXXX XXXX was moved to MOHELA XX/XX/XXXX -MOHELA still has not processed for the years XXXX  -Had a full application with signatures and dates, but required an updated employment verification for current job, sent on XX/XX/XXXX -Notified today XX/XX/XXXX that signatures were missing on forms. No signatures were missing.-Contacted them XX/XX/XXXX they said the entire application needed to be resubmitted and showed they had no other forms from me. 
-Notification while on hold with MOHELA says they will only process applications submitted by to XX/XX/XXXX. It appears resubmitting will be outside the window and cause the application to be denied. 

-Contacted MOHELA numerous times to get clarification, told multiple times it would be another 90 days. It has been 1 year and 2 months trying to get them to count the payments. My wife submitted her application at the same date and time and her application was processed by XXXX  and forgiven in XXXX of XXXX. 
-MOHELA was contacted on XXXX XXXX XXXX XXXX XXXX and multiple times on XX/XX/XXXX -How do I get them to count my payments on my original application before the window closes on the XXXX? This process has so far taken over 14 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened up a credit card in name ever and I am not sure why they are on 2 of 3 of my credit report.
Product: Credit card or prepaid card

Mailing Payment Address XXXX XXXX XXXXSynchrony Bank XXXX XXXX XXXX XXXX XXXX GA XXXX Synchrony Bank 's website tells me I can use my point on XXXX purchases. Nowhere on XXXX have I been able to check out and pay with my points. My account opened in XXXX. by XXXX I was becoming concerned with my rewards. upon not being able to reach a live person I opt for the chat feature online where I am told that no live agent is available or the live agent is unable to help. In both cases, as seen in one of the screenshots all rewards are automatically credited towards your account balance. I was once told by a live person in a chat that the same info my rewards would be applied to my balance. This has never happened. today XX/XX/2022, I am told that the rewards do not automatically apply to my account.
Product: Credit reporting

EquifaxFRAUD FLAG Yes No NoYOUR STATEMENT FRAUD VICTIM. " EXTENDEDALERT ''. CONSUMER HASREQUESTED AN ALERT BEPLACED ON THEIR CREDITFILE. CONSUMER DID NOTPROVIDE ADDITIONALINFORMATIOfraud Alert on my credit report incorrect
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

I completed payments to Self Inc. to boost my credit as it is a credit builder account. I paid XXXX per month for XXXX  months and at the end was to receive a check for XXXX. I made the last payment on XX/XX/XXXX and was told that the check was mailed on XX/XX/XXXX. I was told it would take up to XXXX days to receive. The XXXX day twas on XX/XX/XXXX. I called Self Inc. on XX/XX/XXXX to inquire about the mailing of my check and was told that they would re-issue another check which is to arrive in XXXX. They stated that the original check has been cancelled. I was not given a sufficient answer as to what happened. I am leery about whether I am to receive anything from Self, Inc. I am requesting that CFPB investigate as this practice could occur with others who trusted Self as a credit builder product.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX, I saw my credit score provided by Equifax, XXXX and XXXX was between XXXX - XXXX. These low credit score caused 3 credit card companies denied my request for a card. 

History - Between XXXX and XXXX I paid my full credit cards ( 7 ) balance totaling {$7700.00}. 
I have sent communication to them receiving no The only card I have is XXXX, with a balance due of {$170.00}
Product: Money transfer, virtual currency, or money service

I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud.i was told nothing could be done to help me solve my problem
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had 1 late payment on an account that i was never late or intentionally pay late because while this date i was in boot camp in XXXX XXXX and the auto payment of all my account was activated. the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments before and after this date that i have included screen short inside this complaint in on date XX/XX/22 .Please investigate and provide proof with statement showing that this payment was late. I demand this payment be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached
Product: Credit reporting

I am writing to you about the way equfax credit beurau is doing the investigation on the depart mentioned of treasurey which is not the originator of the amount that is owed too the federal court this debt started with a ticket given to me in XXXX pa for XXXX dollars now the third party that is reporting it is XXXX and the information that they are reporting is incorrect because I have the correct documents from the federal court who is the originator of the debt and if the credit bureau does n't go to the source of the information being reported they will never be able to find out the truth of what is being reported XXXX is a third-party debt collection agency working for the department of treasurey but this all started with the federal court system that is were the realast of how much I owe to the treasurey department what they are reporting is incorrect such as the amount owed and the fact that I made three payments that are not reflected in the credit report which makes it incorrect and should be removed from my credit report because it is inaccurate information being reported by XXXX collection service and nobody wants to go to the originator which is the federal court who has all the correct records I do n't owe what they have on the credit report and the fact that I made three payments is missing from the credit report which makes it inaccurate and by law should be removed from the credit report and I have the paperwork from the federal court it self to prove that payments were made and the amount owed is n't correct either
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 there was 'suspicious activity ' in my Square account. I contacted Square and they stated they 'closed " the savings account that was opened by a hacker and I reset my passwords. 

Since XX/XX/2023 Square will not transfer my {$640.00} balance of sales from credit card transactions. I used the Square reader to swipe credit cards for services. The transactions are attached and detailed as well as my bank statement that shows the last deposit from Square was on XX/XX/2023. The following is a list if missing transfers to my bank account : XXXX XXXX {$110.00}, XXXX XXXX {$95.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$45.00}, XX/XX/XXXX {$50.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX {$95.00}, XX/XX/XXXX {$60.00}. 

Every time I call Square I get a different excuse why the funds will not transfer. Most recently they tell me I have to link a bank account to the Savings Account that I did not open or authorize. I argued with them regarding this, but if it meant I can get my money, I went ahead and tried to link an account and keep getting an error message that I can not link a bank account to this Square Savings. Therefore, it is a catch 22, I can not get my funds until I link an account to the savings ( that I did not open ) and I can not link an account to the savings. 

Meanwhile I have been on the phone, emailed a complaint and my balance still has not transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX AND ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX  ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX & ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX 
ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : THE XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX. 
I have disputed all off these items with each credit bureau by mail several times.
Product: Mortgage

I had to personally write a check for delinquent property taxes after the county I lived in notified me of default..my taxes and home insurance is escrowed in my monthly mortgage payment. I worked with county tax collector who said Loan Depot failed to pay my taxes in XX/XX/XXXX... they also said I should be reimbursed for the interest and late fee penalty I had to pay due to Loan Depot failure to pay ... I contacted servicing and tax department at loan depot, no answers, no answers to my questions why not paid if escrowed... I refinanced XX/XX/XXXX with Loan Depot ... .taxes delinquent XX/XX/XXXX until I paid XX/XX/XXXX so it wouldn't default, XXXX  my name or property ... .Now again, just find out not enough money for XXXX taxes ... where money going you took all year??? Yet I'mXXXX for taxes yet I paid on my own over XXXX dollars in XX/XX/XXXX for XXXX 's delinquent taxes thanks to Loan Depot, I also asked several times when I get reimbursed for having to pay late fees and interest for delinquent taxes I paid personally, even tho they are escrowed monthly ... .I get no answers..I 'm livid, upset, no longer trust Loan Depot to be responsible enough to pay my property taxes or homeowners insurance timely... ..I don't need this headache or deserve to just be ignored when there is an issue and you get no reply...
Product: Debt collection

XXXX XXXX claimed possession of my legitimate student loan accounts ( XXXX, American Education Services, and XXXX XXXX ) in XX/XX/XXXX. I received a bill from XXXX XXXX  in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During the last three years, XXXX XXXX claims that the fraudulent loan is also in default because I have not provided money for the company. This loan is not a valid debt. XXXX Servicing has also failed to demonstrate that I used my pin number or signature to authorize XXXX XXXX to consolidate loans from American Education Services, XXXX, and XXXX XXXX. The company has also used false information to force me to make payments for an account that was not created or authorized by me. The company often sends documents to my post office box and falsely claims that the documents were composed by The Department of Education.The Department of Education is located in Washington, D.C., and the organization does not collect student debt. The address for the company is as follows : XXXX XXXX XXXX ( XXXX ) Department of Education XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX. The company recently filed a false report with the U.S. Department of the Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. The U.S. Department of Treasury/Bureau of the Fiscal Service notified me that the company will retain my tax refund of {$360.00}. The Department of Education has not informed me of my rights regarding the situation, and they have not issued a letter of intent to collect the debt by applying eligible federal payments made to me. I contacted The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX. I spoke to XXXX who informed me that my account was clear and no funds will be taken. XXXX informed me to contact IRS to resolve the problem. I contacted IRS on XX/XX/XXXX and spoke to XXXX XXXX. XXXX XXXX informed me that the IRS does not resolve the problem. When I attempted to contact The U.S. Department of Treasury/Bureau of the Fiscal Service on XX/XX/XXXX at a later time, an individual named XXXX picked up the phone and asked for my social security number. Once she entered the information, she abruptly hung up the phone. I could not contact a live person on XX/XX/XXXX for the rest of the day. Please be advised that the company ( U.S. Department of Education ) attempted to place false information on my credit report several times within the last three years. The information was removed on several occasions from my XXXX, XXXX, and XXXX credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$550.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.
Product: Credit card or prepaid card

Chase Bank allowed  XXXX   XXXX  to open a joint credit card without my authorization on   XXXX   XXXX   XXXX  .  XXXX  and I were never married and he had no authorization to open an account using my name. He has run up a balance of over {$14000.00} and has not made a payment since   XXXX   XXXX  . I only learned of this account when i noticed my  credit score dr opped. When I called Chase, in  XXXX  of this year, they informed me that  XXXX  had opened the account. I informed them that he must of obtained my SS # from custody documents from our children.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX