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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I recently started selling used books on XXXX, using Paypal for transactions. After selling five ( 5 ) books, I checked on my Paypal account and saw that I was no longer allowed to use it. I have been an account user for several years - always paid on time - no problem. 
Paypal representative told me that they were holding funds for 180 days and that was that. I asked why - they could not disclose why?? I wondered was it a change in email account - do I need to put cash into another Paypal account??? No explanation - the representative said " it doesn't matter how many times you call, or who you talk to, they are not disclosing an explanation. I had to change links I had - XXXX, XXXX, etc. 
As of today, my account reads - '' We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services ''. 
I was a new seller and if I did something wrong, why can't they explain and I would correct it! A clear explanation is what I want so the action can be corrected.
Product: Credit reporting or other personal consumer reports

XXXX TransUnion LLC Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I, XXXX XXXX, never gave TransUnion any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Student loan

When Navient became my loan servicer, I agreed on an income-based plan paying {$210.00} per month. The person tried repeatedly to get me to agree to forbearance, which I had already done ( and it added a considerable sum to my debt ). At any rate, the agent instructed me to go to the Navient website, make my first payment, and then set up for auto pay. I did as instructed, adding my bank information in the tab that says " autopay. '' Since the first payment was manual, it was debited from my account, but the following two months, no payment was taken ; but they were sure to add late fees and a past due balance of {$430.00}. I called to inquire about this and the first thing the agent did was try to get me to agree to forbearance. I declined and said that they were supposed to have debited me for the last two months but did not. The agent proceeded to tell me that I was not signed up for auto pay. While on the call, I went to my Navient account and confirmed that my bank information was in the " autopay '' tab on the website. He then said I had n't really signed up for auto pay, and he would email me some PDF files that I would have to fill out. When I received these, they were not web-hosted PDF forms that one can fill out, but rather only completable by printing and mailing or faxing, for which no instructions were included. Furthermore, the terms and legalese in the auto pay application were pages long, so long and complex that I was afraid I was committing to something that would cost me additional money. The original agent I spoke with never mentioned this lengthy process. In fact, he just said, " go to the site, make your first payment, and then set up auto pay and you 're good to go. '' There is no mention on the " autopay '' tab on Navient.com that mentions downloading and filling out multiple pages of auto pay application. When other companies do autopay, it 's a simple matter of entering your bank info and checking a box to approve. Now I 'm getting daily emails offering forbearance, and was getting daily phone calls and texts before I told them they ca n't do it any more. All I want is for them to make my account up to date and let me pay the agreed amount, but they wo n't do it. 

Also, why do I owe {$49000.00} on a loan with original principal of {$20000.00}? Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against the credit bureaus regarding an account that has been mistakenly or fraudulently associated with my personal information. ( XXXX XXXX XXXX - XXXX ) The account in question does not belong to me, and I have no knowledge of, nor did I authorize, the creation of this account. 

Despite my efforts to resolve the matter directly with the institution, XXXX, Experian and XXXX has failed to properly investigate and ensure that everything on my credit profile is 100 % accurate. 
As a result, this unauthorized account is negatively impacting my credit report and causing significant distress. I am requesting the following actions be taken : Immediate investigation and removal of the incorrect account from my credit report.

Confirmation that the account has been fully resolved and removed from any records associated with me.

Any other actions necessary to correct the situation. 
Please let me know if you need any further documentation to assist in resolving this matter. I appreciate your attention to this issue and look forward to your assistance in rectifying it promptly. 

Thank you for your time and help.
Product: Credit card

I used to have a XXXX credit card from XXXX membership. Back in XXXX XXXX ended its contract with XXXX and transferred all the accounts to City Bank Visa. I received a letter form XXXX stating that all charges put on the XXXX card after XXXX, they would n't be able to generate a bill, as the billing would be transferred to City bank visa card. I had paid the XXXX XXXX to install a new unit in my home and called the owner explaining the situation and he agreed that I could dispute the charge with XXXX and pay him again with City bank card. XXXX took the money back from the merchant and sent me a letter. I paid the XXXX XXXX again with city bank Visa and did a balance transfer on XXXX/XXXX/16 paying off my balance with City visa. so I had XXXX XXXX XXXX XXXX balance with City Bank Visa. 
Soon enough I received a letter XXXX from Citybank Visa stating that I had a positive balance in my account. I told them to send me my money back, and gave them my routing number, " because it was faster '', as I had paid them already. I told them this was the money from the merchant that had provided me services. They also disputed the charges with the merchant ( now for the second time, after XXXX did it ), taking the money away from him, and messing up his account and reputation with his third party credit account charging. I called multiple times requesting these incompetent people to send me my money back XXXX XXXX, XXXX, XXXX, XXXX and XXXX ). They never called me asking questions about what happened and why the XXXX had dispute the charges. But they credited my account with {$4500.00}, so I can spend all this money on them. How wise! Instead, the fools call me asking you if I am satisfied with their services. Totally waste of time as they do n't provide any services to their customers. Until up to this date, they have not sent my money back, I provided information about my account XXXX different times and nothing happens. 
Since the beginning this city bank has been a real mess with the majority of the customers they took XXXX. There is no customer services at all.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I wrote a check for {$13000.00}, and the other party deposited it into the account with the status " pending ''. 
On XX/XX/XXXX, the status was completed " check issued ''. 
On XX/XX/XXXX, the other party notified me that the check bounced. 
It turned out that on XX/XX/XXXX, this check was " adjusted or reversed '' by the bank for some reason, but the bank did not have any notification, SMS information, or email reminder. 
On XX/XX/XXXX, at XXXX XXXX, I called the Chase Bank service number XXXX for 21 minutes. The reply was that there was no problem with my check and there was sufficient funds. It was withdrawn by the receiving bank because it believed that " ( the payee ) did not have a proper endorsement ( signature ) ''. However, why were other people 's and my other checks not withdrawn because of this " endorsement ( signature ) ''? Because it was a holiday that day, the bank was on holiday and could not process it. 
On XX/XX/XXXX, at XXXXXXXX XXXX, I continued to call this number, which took 31 minutes, but to no avail and with no evasion. 
XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX XXXX Transunion XXXX : XXXX Dear Credit Bureau, A lawsuit I will file due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged, nor therefore any such inquiry was made by myself, in fact exists. I have copies of the certified letters and dates prepared to bring to court I have attempted to address my concerns of defamation with transunion. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the these inquiries within 30 days, then it must be removed. Your letters to me claim that all inquiries are factual, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers and dates in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am hoping to not have to sue transunion for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false inquiries removed. You may contact me before suit is filed on XXXX XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it is factual then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Transunion for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : Inquiries : I look forward to your response. 
Sincerely, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Current information that is on my credit report is not validate and need to be updated. I currently XXXX and this incorrect information is causing a lot of stress on my behalf.
Product: Student loan

I am being denied all my payments that should count toward PSLF. 

I have been teaching for 25 years at a low income school which would qualify me for public service loan forgiveness which Biden just opened up more options to qualify where before I couldn't. I have been making payments for years, enough to count for XXXX payments. I had a bankruptcy in XXXX. I wanted to start a PSLF and they told me that I needed to consolidate my loans XXXX ( I had no choice ) and change my payment, which I did. I have never been in default on my loan and have done all that they have asked, through all servicers. Now Biden 's PSLF is qualifying everyone going back to XXXX, which would lend itself to my situation. I submitted application for and they told me that I couldn't qualify for PSLF because I consolidated my loans in XXXX ( for PSLF upon their direction ) This doesn't seem to make sense. And I am going to be penalized for their direction in the process and doing what I was told to do. I currently owe about XXXX, I have had XXXX qualifying payments ( that I can show ) and have worked at low income schools since XXXX ( all the criteria needed for PSLF ). When I try to reach out to student loans it is a hopeless action, there is no one to respond or answer calls, emails... To make matters worse, the process of PSLF keeps saying to wait as credits continue to change. I've waited months and months and mine haven't changed but I only got the letter that say it won't go back prior to XXXX. The deadline is XX/XX/XXXX for Biden 's program. I need an advocate because I am getting the run around and am running quickly out of time. Meantime my peers with similar situations are getting their debt wiped out. I am a single mom and this is not a little deal and would completely change my life circumstance. I am not asking for special treatment but for the same treatment that others are receiving.
Product: Checking or savings account

I am an existing online savings account customer and attempted to open a joint online savings account this morning with my XXXX son XXXX ( XXXX was to be the primary owner, and I the secondary owner ). We first attempted to open it online and then called the bank ( Marcus by Goldman Sachs ) as instructed. After lengthy conversations the bank representatives and supervisor stated the account was declined, allegedly due to a mismatch of information, but refused to say what that mismatch was or to provide further information either over the telephone or in writing, claiming that she was not permitted due to privacy reasons. My son lives at home and is a XXXX XXXX XXXX. I am confident that all information provided was correct, including his Social Security number. He has never had a credit card and may not have a credit bureau file open for him yet.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested in writing that XXXX remove XXXX from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. Also, XXXX is not listed in the XXXX XXXX XXXX as having proper certification to collect debt in the state of Ohio which voids any contracts that XXXX has in the state of Ohio prior to certification. 

Account # XXXX Additionally, according to 15 U.S.C . 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit card

ID THEFT THIS ACCOUNT HAS BEEN REPORTED XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

The car was sold to me with many problems. I tried to resolve issue with company several times but they gave me no solution. I was basically sold a lemon car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT, AND I DID NOT AUTHORIZE THOSE CHARGES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

**Consumer Name : ** XXXX, XXXX XXXX Social Security Number : ** XXXX **Consumer Date of Birth : XXXX XXXX **Contents of Complaint : ** To Equifax, This is an uncompromising CFPB complaint demanding urgent and immediate action. Under the strict and non-negotiable provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is ordered to block and remove the fraudulent information on my credit report within an inflexible deadline of four business days upon receipt of this complaint. The fraudulent accounts, which must be eradicated without hesitation, are : XXXX XXXX XXXX {$0.00}. These fraudulent accounts have resulted in unauthorized hard inquiries and false collections tarnishing my FICO credit report. I emphatically reject any insinuations that I authorized these accounts, emphasizing that they are irrefutable evidence of identity theft and fraud. Enclosed is the FTC Identity Theft Criminal Complaint ( # XXXX ), undisputed documentation from the U.S. Federal Trade Commission proving the fraudulent nature of these accounts, collections, and inquiries. Failure to act with immediate and decisive force to block and obliterate this fictitious information from my credit report will not be tolerated. Should Equifax fail to respond within the stated time frame, be prepared for relentless and aggressive legal action to enforce my rights under the FCRA. This is a final directive, not a request.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute this information reported on my consumer file. As of today, I am challenging the following inquiries : XXXX placed on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

XXXX XXXX placed on XX/XX/XXXX There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

XXXX XXXX placed on XX/XX/XXXX There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

XXXX XXXXXXXX XXXX placed on XX/XX/XXXX I never authorized this lender to make a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my ACCOUNT AND IVE SENT IN AN FTC REPORT DISPUTING THIS ITEMS AND NOTHING HAS BEEN RESOLVED PLEASE REMOVE FROM CREDIT FILE Late Payment for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open/closed Closed Date opened XX/XX/XXXX This account is fraudulent and does not belong to me Ive never did business with this place Credit Inquires on Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is an incorrect address
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$510.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$9600.00} XXXXXXXX XXXX XXXX XXXX XXXX  - {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.