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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$54.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request that compromised information be removed to protect my identity and credit standing. 
Accounts to Block and Delete XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$140.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$430.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Inquiries to Block and Delete XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX CA XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Collections is not from original creditor all the collections on my credit report is violating the laws. '' I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravers ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX didnt do a real good investigation it came back valid when I never open checking account online nor agreed to any debit that does not bare my signature nor my knowledge of such debit
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 for the removal of the fraudulent items but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent items and for assistance to remove them from my credit report immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine.
Product: Credit card or prepaid card

I called customer service to ask to have my credit limit raised since I had some major purchases coming. Actually I had already charged about a {$22000.00} trip to the account earlier in the month. The woman I spoke to asked a few routine questions which I answered. She said I have to close this account since you sold your business and this is a business account. I said I only sold 51 % to my daughter. I still own 49 % and still work there, am an officer, and still on the payroll, I asked her to please not cancel since I have at least 20 companies charging directly to the account. " Too late, its done ''. I appealed twice and was turned down both times to have my account restored. 
This account earns rewards which I accrue as I spend money. I was up to about {$1500.00} when they canceled the account around XX/XX/XXXX. That monthly statement would have ended around XX/XX/XXXX. I was told that since I canceled the account before the end of the month ( I canceled!!! ) I only get credit from the end of the previous month which was around {$450.00} I believe this was a totally self serving result. Unfair to say the least. They cancel the account and enrich themselves There was no reason to cancel. Please help.
Product: Credit card or prepaid card

Discover closed out my dispute although the merchant has confirmed the credit owed back to me.
Product: Prepaid card

I am writing to express my deep concerns regarding the inconsistent documentation and communication I have encountered while attempting to resolve issues with my Bank of America account.

Since discovering unauthorized transactions on my account, I have experienced significant challenges due to the inconsistent and often contradictory information provided by various representatives. This inconsistency has severely hindered my ability to resolve the issue and restore my financial stability.

My primary concerns include : 1. **Contradictory Information** : I have received conflicting explanations about the status of my account, the progress of the investigation, and the steps required to resolve the matter. This has created confusion and delayed resolution.

2. **Incomplete Documentation** : On multiple occasions, I have been asked to submit documents that I have already provided. Additionally, I have received documents that lack critical information, making it difficult to understand and address the issues effectively. 

3. **Lack of Follow-Up** : Despite being assured that I would receive updates on the progress of the investigation, I have often been left without any communication for extended periods. This lack of follow-up has exacerbated my XXXX and frustration.

4. **Inconsistent Communication Channels** : I have been directed to contact different departments and individuals, each providing different instructions and requirements. This lack of a clear and consistent communication channel has made it nearly impossible to achieve a timely resolution. 

The cumulative effect of these issues has caused me significant distress and has eroded my confidence in Bank of America 's ability to manage my account securely and effectively. It is essential that these communication and documentation issues be addressed promptly to ensure a smooth and efficient resolution process. 

I request the following actions to rectify the situation : 1. Assign a dedicated case manager who will serve as my single point of contact throughout the resolution process.

2. Provide a clear and comprehensive list of required documentation and steps needed to resolve the unauthorized transactions.

3. Ensure timely and consistent communication, with regular updates on the progress of the investigation.

4. Review and improve internal processes to prevent similar issues from occurring in the future.

I am attaching copies of the correspondence and documents I have submitted thus far. Please review these materials and provide a detailed response outlining the next steps.
Product: Payday loan, title loan, or personal loan

This is a Fraudulent account under my name. I have no recollection of this account. On my XXXX report it said Moneylion was added to my account and I have no idea what this was and it said about {$920.00} was taken from this account loan. I tried to dispute this account before but the company moneylion reported that the information is correct which is not me. This is Fraud and is not my account. I called Moneylion a long time ago to let them know it wasnt me. I think Moneylion is a Scam. I am not paying for a loan that is not mines. I dont know who got my information and put it on Moneylion but it is not me. I am an XXXX  XXXX XXXX  and do not need this type of stress to worry about
Product: Credit reporting or other personal consumer reports

I wrote a letter disputing the following information that Lexia Nexis was furnishing to the credit agencies as inaccurate that appears on my XXXX, XXXX, and XXXX report which shows, my student loans servicer : Department of EducationXXXX XXXX Three of my student loans with XXXX accounts are being reported inaccurately. 

The status of the loans states : included in a bankruptcy. I have NOT filed bankruptcy against my student loans. This information is inaccurate, all my federal student loans have been forgotten under the PSLF program. I have worked in the public sector for more than 10 years and have made more than 120 payments. I have attached the letter from XXXX with the facts. 

According to the FCRA 15 US 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 US 1681 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Please update the status of all my student loans to read paid- in full, and remove include in a bankruptcy these accounts from my credit report relating to the documentation that has been presented.
Product: Student loan

On XX/XX/2024, my final payment to Navient for my student loan was to be paid via autopay from my bank act. A couple of days prior to the amount being removed for payment, I checked to make sure the full amount I was scheduled to pay covered the full amount remaining on my loan. I double checked the payoff amount if the loan were to be paid in full that day and then compared it to the amount that was shown to be removed from my act for my auto payment. On the XXXX, 3 days after my final loan payment was done, I saw a lower amount was taken out than what it stated was for the total payoff amount, and that I had another auto payment scheduled for XXXX. It also showed that I had a balance of {$0.00} left on my act. So out of pure disbelief - I paid the remaining amount, {$0.00} from my bank act on the XXXX. Navient has since received my payments and shows both have posted to my act when I checked today, the XXXX of XXXX. But what really threw me for a loop was that the loan still showed open, still showed a scheduled autopay for XXXX, and still showed that the act was in repayment when in fact the act had been paid in full. Once the company receives the final payment, and post it to the act, how are they not closing the act or changing the status of the act to reflect the accurate status? The loan is no longer in repayment because it is paid off. 

I called a Navient and was told that they require that the acts show that they are still open and in repayment for 2 months after the last date of payment. WHAT!?!?!? That they need that time to season the payment?? How is this legal??? I have never had a lender keep the act open, and have it show an inaccurate payment status for 2 months after the date of the last payment??? Not only that but it was still reflecting as to have scheduled auto payments for the future! I was told from a customer service rep that they keep it open so they can adjust the act over two months? No. Once the payment has posted to the act, there is no reason to be adjusting anything. If there was an overpayment, then cut me a check but show the act is closed and its in good status! 

What really concerned me was the fact that they changed the auto payment amount to a lesser amount and then still showed I had a balance owed on the act!!?! How can that happen??!? I had to make an additional payment of {$0.00} on my act to pay it in full!!! This is not the only loan Ive had in my life but the most ridiculous loan Ive ever dealt with. If the payoff amount reflected the same amount that was owed, online- why would they change the amount of money they took for the payment that already showed it was pulling out the total amount shown under the payoff amount and then they change that as the payment is coming out so I still owed money on the act and they could still gain money from interest and missed payment fees on the act. This is absolutely ridiculous.
Product: Student loan

It shows that i am 120 delinquent on my payment but im not. I am up to date so i would like it to change on my report.
Product: Credit reporting

Equifax is reporting a debt for a credit card on my credit report and it is not mine I have tried to contact them directly with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Express recovery XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate and inconsistent date opened. 
Inaccurate and inconsistent date last reported Inaccurate and inconsistent date last active Payment Status on my report notates this account as a charge off, if this is correct, where is the required late payment reporting? There is no reporting of 30-60-90-120 etc. days past due as required to report a charge off on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report, listed below with the dates they were wrongfully conducted. I have been a victim of identity theft, which I have reported to the police and the FTC, and I have the corresponding reports. I believe these unauthorized inquiries are another occurrence of the same theft. 

1. Date : XX/XX/year>, conducted by XXXX XXXX XXXXL. The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXX, SD, XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

2. Date : XX/XX/year> Unauthorized hard inquiry on my credit report conducted by XXXX XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX, XXXX, PA XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report. 

3. Date : XX/XX/year> : Unauthorized hard inquiry on my credit report dated XX/XX/year>, conducted by XXXX XXXX The inquiry is listed under the address XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX, with the contact number ( XXXX ) XXXX. I have no knowledge of, nor did I provide any information or authorization to this entity for such an inquiry. I request that this unauthorized hard inquiry be investigated and subsequently removed from my credit report.
Product: Debt collection

XXXX XXXX of Provider Recovery Network, XXXX XXXX, XXXX XXXX, CA XXXX, telephoned my daughter several times and threatened to sue her and ruin her credit if she did not immediately pay a debt in person. She XXXX, and XXXX harassment caused her much distress. He claimed that the debt was an unpaid hospital bill. My daughter is an adult dependent covered by our family health insurance, and we have paid every bill ever received. I spoke to XXXX on XXXX/XXXX/2015 and told him to send the bill to me, and to stop contacting my daughter. To date, I have not received any bill from him ; I believe there is no debt. I would like written confirmation that we owe nothing. Thank you.
Product: Prepaid card

My parents bought me an American Express gift card of XXXX dollars. I have tried to use this card for both online and physical vendors but it is declined everywhere. The vendors include XXXX, XXXX XXXX and XXXX XXXX XXXX. 
The gift card is useless for me and I should be refunded the money. They also deducted an XXXX charge that never went through. 

American Express gift card doesnt refund any money. 
I tried asking them to provide a list of vendors that take the card, but they didnt. Also its deceptive practice to sell a gift card that can not be used by a majority of reputable vendors.
Product: Credit reporting or other personal consumer reports

Unauthorized Fraudulent Inquiries This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEPT that you did not varify as required by law on my consumer report. 

1S USC 51681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquiries ; Except as provided in section 1681g/a/5 ) of this title, a consumer reporting agency shali not furnish to any person a record of inquines in connection with a credit or insurance transaction that is not initiated by a consumer. 

The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was trying to make a payment on my account and it was a computer glitch and it didnt take my payment and had me being late so i demand them to remove the late payments only
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for these accounts : XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I reached out to Current via chat to advise of unauthorized charges after phone was stolen. I went thru cumbersome process of selecting multiple payments to same merchant XXXX by XXXX. I was then advised to reach out to merchant as some transactions were still pending, which I did. After back and forth emails with merchant they first agreed i didnt have an account and then later declined to reverse charges. After contacting Current back multiple times I went through the individual selection of transactions again. I also provided them with info showing XXXX XXXX had refunded me for almost XXXX unauthorized transactions from the same merchant that resulted from the same incident. Right before the 10 day requirement to provide provisional credit I received generic notice that the dispute closed. I do not believe this has been properly handled or looked into.