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

In XXXX of 2019 I found out that I was a victim of identity theft and that someone had been going to school in my name, for years, resulting in several student loans being placed on my credit report. Close to  {$30000.00} in benefits were taken but none of the loans were paid off which has led to them continuing to accrue interest. 

For the past 8 months, I have tried disputing with the creditor, and credit bureaus, to no avail. I have requested that each provide me with the original contract bearing my signature to validate that the debt is mine but they have continually disregarded my request. Month after month they continue to " validate '' that the debt is mine without providing any physical proof. 

I have also sent information stating that I am a victim of identity theft, along with an FTC affidavit, an IRS affidavit, a notification from a credit monitoring service showing that my information had been sold on the dark web, as well as a police report and they have refused to block the information without any explanation of why they chose to do so.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

We searched online for a horse trailer and found one that was located in NY. After agreeing on price and terms, we were sent wire transfer instructions. The money ( {$4300.00} ) was sent and receipt was confirmed. The trailer was supposed to ship in 25 days. 

When we had not heard anything from the company, we attempted to contact them with no luck. We ultimately determined it was a scam. The wiring instructions are attached. 

We requested Wells Fargo rescind the wire but have heard nothing from them. We also attempted to call XXXX XXXX  who was the recipient bank but they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

in Last fewdays i submitted the request of the following fraudulent items to be removed from the Credit report. XXXX : Bankruptcy XXXX XXXX Bankruptcy Case Number : XXXX TRANSUNION : Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting

I have incorrect address and telephone number on credit report. Correct address should be XXXX. Current address is : XXXX Texas XXXX. 

I have also attached my dispute which I could not do online. I have attached a copy of credit report with notes on what corrects need to be made. 
Some accounts are paid in full and I have attached letter. XXXX account on report twice ( XXXX ). Once account 10 years old ( XXXX ). XXXX accounts fraud ( XXXX, XXXX, XXXX XXXX ) XXXX account that is paid in full ( XXXX ) I have supplied more than enough paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

after my legal separation from my husband he started to open credit in my name with no permission I have a legal case against him but can not find him he has ruined my life his name is XXXX XXXX XXXX   remove I have disputed by mail with all three credit bureaus. act # XXXX owing an alleged {$2200.00} XXXX   XXXX  orig creditor XXXX
Product: Vehicle loan or lease

This is associated with a payment that was not applied against my loan balance for my auto loan. The loan is held with Truist Financial Corporation of XXXX, XXXX. 

Working through the dealer where the car was purchased, we cancelled the extended warranty that was purchased with the vehicle. On XX/XX/2022 a check for {$1700.00} was provided to Truist by the dealer, XXXX XXXX of XXXX, XXXX. On XX/XX/2022 Truist cashed the check ( we have a copy of the cached check ) but neglected to apply the monies against the loan balance. 

Several calls into Truist were not able to resolve the issue. The issue was escalated multiple times to the Truist back office. No updates or progress despite Truist having the funds for over 3 months. 

We are asking assistance in having Truist apply the monies to the outstanding loan amount and would also like reconciliation regarding the interest paid on this amount for the last 3 months. 

Reference # : XXXX Account Number : XXXX Account Owner : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my first attempt was on XXXX and the second attempt was on XXXX and the credit bureaus did nothing but say my information was verified. Several laws have been broken under the the FCRA, so with the proof I have provided by law these accounts need to be deleted immediately or I will be filing a law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act.

Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told/informed XXXX, Transunion, and XXXX to reinvestigate and or remove these accounts : XXXX, XXXX, TRANSUNION DISPUTES : 1. XXXX XXXX XXXX  XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 2. XXXX XXXX > {$500.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX 3. XXXX XXXX {$720.00} * Account # : XXXX * Date Opened : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX {$700.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n, 15 U.S.C 1602p, 15 U.S.C 1681, 15 U.S.C 1666b.
Product: Credit reporting or other personal consumer reports

i Have asked XXXXXXXX XXXX XXXX to provide debt verification documents. XXXX has responded with an account transaction summary, and a letter stating the debt has been sold to them from XXXX  XXXX. XXXX also makes the claim that they are not required to provide a written agreement or full payment history. Which means in the court of law both federally and on a state level, XXXX XXXX  has failed to " State a claim ''. you can not respond to a verification claim with documents that does not show true ownership of the account. While the letter is nice, federal law requires a true bill of sale as proof of account ownership. You are required to disclose the transaction documents between your company and XXXX  XXXX. Simply saying i owe a debt and attaching a transaction record is not acceptable. I need to see the legal binding document that ties me to this alleged account. If you can not produce a signed contract by me, then you can not tie me to this debt. where is the proof this debt actually belongs to me? where is the proof that i agreed to pay XXXX  XXXX for a line of credit. YOU ARE REQUIRED TO PROVIDE THOSE DOCUMENTS. without providing those documents you are in violation of the FDCPA and the FCRA, in which case your company is liable for damages. This note is to establish communication on the federal level as it seems that this collection agency feels that they do not need to comply with the law. I am certain that XXXX purchased this alleged debt in a bulk buy and did not ensure the proper paperwork was attached to this debt that would allow them to legally collect it. If they did, they would be able to provide me with the contract or written agreement that shows that i entered an agreement to pay XXXX  XXXX in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have sent a cfpb report stating that there where unauthorized inquires from Transunion that I did not consent or authorize. It has now been over 30 days and I have received no response from Transunion. I want these inquires removed off my report ASAP. The following inquires to be removed are XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/21 I visited the XXXX XXXX. The clerk assisting that day was not only the clerk but also the owner and manager. He was having computer issues that day and after seeing a decline on the machine he stated he would be rerunning the transaction. After several minutes he then stated that the transaction went through but was unable to provide a receipt due to the computer issues. Later that evening I noticed that the one transaction of {$35.00} that I authorized was actually charged 4 times, 3 times I did not authorized. I immediately contacted CHASE and disputed the charges. On XX/XX/21 CHASE informed me that they reversed the charges because they state I authorized the charges. I contacted the XXXX Store who confirmed he only received one payment of {$35.00} and he confirmed he did not receive 4 payments but he stated he is unable to provide me with his banking records and he advised me to contact CHASE who he said should reach out to him and he could provide records to CHASE, just not me. I contacted CHASE again and gave them this information and they said they don't contact merchants but would open the dispute case again with the updated information. They again denied the dispute stating I authorized the 3 additional charges of {$35.00} but they are refusing to contact the merchant who has confirmed he DID NOT receive 4 payments and he DID NOT authorize 4 payments, he only received and authorized 1. CHASE is refusing to contact the merchant and refusing to process this dispute when I have confirmed that I did not authorize these 3 duplicate and fraudulent charges.
Product: Checking or savings account

On XX/XX/23 my bank card and phone were stolen. 11 purchases were made by someone ( not myself ). I IMMEDIATELY reported my card stolen and disputed the charges within the 2 days spelled out in cash apps terms of service. I should have been liable for nothing.

However, within 48 hours my dispute was denied. They claim I am entitled to documentation used to determine their dispute denial. It has now been weeks and weeks of requesting and cash app has provided me with NO documentation.

They respond to my complaints with no details about how they determined this " not theft '' and promises that I can request documentation, however they ignore every single request for documentation.
Product: Debt collection

I paid a debt a judgment was entered on. I attempted many times to solved this problem without court action. Communicated with this organization and followed their direction. I advised them of my situation just they still, after payment in full Pursued and entered judgment on an account that was paid in full prior to the court date. In addition to that every time I called to make a settlement on this account I was told to call back and was not able to follow their instruction and they still entered judgment on a paid account.
Product: Credit reporting or other personal consumer reports

Evaluating my credit report, it can be clear that the following accounts appear with no regard for accuracy as required by the Fair Credit Reporting Act. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX write to you today with a growing sense of frustration and disappointment regarding the persistent inaccuracies in my credit report. This is the second time I am reaching out to address these errors, and it is disheartening to see that my initial concerns have not been adequately addressed. Upon reviewing my credit report, I have identified incorrect late payment entries that require immediate rectification. The following accounts have been incorrectly reported with late payments : JPMCB AUTO XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you take prompt action to rectify these errors and remove the inaccurate late payment information from my credit report. 

This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Disputing Information in Credit Report I am writing to dispute the information that The DEPT OF EDUCATIONXXXX XXXX XXXX XXXX supplied to EQUIFAX about student loans in violation of FERPA. 

This item is inaccurate for the following reasons : The DEPT OF EDUCATION/XXXX XXXX XXXX XXXXXXXX is not protecting the privacy of my student education records, in violation of of my rights given in FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ). 

The DEPT OF EDUCATIONXXXX XXXX  XXXX XXXX have violated my rights given in 12 CFR 1016.1 ( a ) ( 1 ) & ( 3 ) by not giving me notice about its privacy policies and practices nor giving me a method as a consumer to opt-out from disclosing my information to non-affiliated third parties. 

The DEPT OF EDUCATIONXXXXXXXX XXXX XXXX  XXXX have also violated my rights in 12 CFR 1016.4 ( a ) ( 1 ) & ( 2 ) by not giving me the consumer clear and conspicuous notice that accurately reflects their privacy policies and practices before disclosing any nonpublic information to any nonaffiliated third party.

My rights as a consumer given in 12 CFR 1016.7 ( a ) ( 1 ) were violated by The DEPT OF EDUCATIONXXXX XXXX  XXXX XXXX as clear and conspicuous notice was not given to me according to 12 CFR 1016.7 ( a ) ( 1 ) ( i ), ( ii ) & ( iii ).

In addition, my rights as a consumer given in 12 CFR 1016.7 ( a ) ( 2 ) ( ii ), ( A ), ( B ), ( C ), ( D ) were violated by The DEPT OF EDUCATION/XXXX XXXXXXXX  XXXX XXXX because adequate notice was not provided to me as a consumer that I can opt out of disclosure of my nonpublic person information to a nonaffiliated third party, designated check-off boxes werent given, a reply form together with an opt out notice wasnt given, the choice to opt out by electronic means wasnt given, and a toll-free telephone number for the consumer to call and opt-out wasnt given. 

The DEPT OF EDUCATIONXXXX XXXX  XXXX XXXX have violated my rights in 12 CFR 1016.7 ( a ) ( 2 ) ( iii ) ( A ) & ( B ) by not providing consumer a reasonable means to opt out as the only way to do so is for the consumer to write her own letter to exercise that opt out right.

My rights given in 15 U.S. Code 6802 ( a ) were violated by
the DEPT OF EDUCATIONXXXX XXXX XXXX XXXX as a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 

Also, my rights given in 15 U.S. Code 6802 ( b ) were violated by the DEPT OF EDUCATIONXXXX XXXXXXXX  XXXX XXXX because I as the consumer was not given an opportunity to opt out nor an explanation on how to opt out from disclosure to a nonaffiliated third party any of my nonpublic personal information. 

I am requesting that EQUIFAX have the item removed. 

Enclosed is a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( XXXX ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX I went to the Experian website to place a freeze on my credit report. When I went to the site it asked for my name and my password. That is all. When my password did not work it sent me an email where I could change it which I did then it took me to my daughters credit report. She is listed as living under my old address and old phone number and my email address. After several hours of phone calls and conversations including hour long wait times I still got no where. When I call Experian I have to give my name, SS #, my numerical address and my date of birth for security purposes. On the website there are none of these safeguards and accounts are linked to email addresses. Easy to obtain those and very easy to change the password and gain access to private information. I told Experian this needs to change because it is dangerous. I received scripted responses.
Product: Debt collection

I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, my bankruptcy was discharged with M & T having been notified by the courts. 
I have been in continual communication with M & T and was assured that I was not to make payments until notified by them. Every time I spoke with M & T I requested the mailing address be updated to the property address. The first request was in XX/XX/XXXX this was completed on XX/XX/XXXX. Correct address XXXX XXXX XXXX XXXX, XXXX , KS XXXX. 
Since I was never notified the account had been moved from bankruptcy back to a regular account the payments were late. 
I was notified on XX/XX/XXXX, that a fraudulent Cease & Desist was put on the account in XXXX and that is why they were unable to call and follow up on the change in status. 
I have been in contact with M & T since XX/XX/XXXX to have my credit report updated and the late payments removed. 
On XX/XX/XXXX XXXX XXXX informed me the credit dispute had been closed without anyone contacting me to verify the information the customer service representative had entered was correct.
Product: Student loan

I have recently been educated about the Consumer Credit Laws and TILA. I entered into a contract with Lendkey Technologies on XXXX for a student loan repayment for a total of {$55000.00}. To date I have paid {$25000.00} on the principal and {$22000.00}, with a remaining {$29000.00} on principal owed. 

Per 16 CFR 433.2, XXXX XXXX by excluded the federally mandated provision in at least ten point, bold face, type " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. '' See contract attached. 

They were notified on two separate occasions, both notarized by a XXXX  XXXX XXXX, of their violation of the law and did not provide a response within 20 calendar days of receipt of notice, per 12 CFR 1026.15 ( b ) - ( Regulation Z ). Per Regulation Z they are required to repay me any monies paid towards this loan, which would be a total of {$48000.00} I have attached proof of notification and receipt. 

I am requesting that the CFPB contact Lendkey Technologies ( and their registered agent ) regarding my requests to respond to my notice of recission and affidavit of truth sent to them.