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

My student loans used to be handled by a lending company called XXXX but after I started working for XXXX XXXXXXXX  and qualified for student loan forgiveness they transferred my loan to a company called Mohela. I have two issues now because XXXX is continuing to report my student debt as well as Mohela so it appears I have twice as much student loan debt on my report than I actually do.. also Mohela has been violated by the Biden administration and my account is in mandatory forbearance pending my income driven repayment agreement which should be set at XXXX continuing once the issue is resolved but mohelo is reporting that my payments are deferred and they keep adding interest to the balance in my credit report but there is supposed to be no interest during the forbearance. I would like XXXX to quit reporting and have it removed from my report and I would like a Mohela to report accurately and update everything but I have had no luck and it has caused me to be denied for a mortgage.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/LOSS AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

Chase locked $ XXXX in my account since XX/XX/scrub> 2025 over altered checks I deposited and didnt alter and did not know they were altered upon deposit. There was no overdraft on the account and there were ample funds to cover these. After 30+ days, they wont take my statement, claim theyre researching, and wont explain. I have texts that provide backup to my statement.
Product: Debt collection

The first notice I received was supposed to tell me I have 30 days to dispute the debt. This statement is missing from the letter. See attached letter front and back. 

The letter references a previous letter but this was the only one I  received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on XXXX, XXXX, and Experian.
Product: Debt collection

Became totally XXXX, lost my home and all income sources. I explained this to credit card companies, that I no longer have the means to pay the debt. Most said they would charge off account. Now between 20 & 25 yrs. later, I'm threatened with judgement & severely damaged credit rating, as of yesterday, from XXXX to XXXX, excellent too poor now. The original debt was $ 5K on the card, Now they want $ 12K. I explained to all debt collection agencies, I no longer have the financial means to pay the debt owed. The financial, physical & mental hardships have been insurmountable & only becoming worse as I age. I never asked to be here in this situation, but still being abused for something I never wanted or asked for. I want a counter claim for damages for abuse of the XXXX & elderly.
Product: Consumer Loan

I made an electronic payment for both my XXXX and my wife 's XXXX on XXXX/XXXX/16, so I made XXXX payment on each of the XXXX accounts ( auto loans ). This is not a recurring ( automatic ) payment, it is a one time payment made on each account. The XXXX charges were posted against my checking account on XXXX/XXXX/16. Now, today XXXX/XXXX/16, XXXX identical charges were posted against my checking account. Honda Financial Services, without my authority, duplicated the charges, which has resulted in my checking account being overdrawn. It took me hours to contact them. They informed me it is an error and that I should be receiving a refund. They said it would not be the same day, and could not tell me when I will be issued a refund. When I asked how can you process the payments again without my authority, since I am not on automatic payment, I made a one-time payment on both account, Honda Financial Services did not have a response. I still have no answer as to when I will be issued a refund. The additional payments are not even listed on their website as a pending transaction. This is severely disturbing and should be investigated.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate Customer Service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this company consent to disclose my personal information to the credit bureaus & that is against the law. On the other hand its still a RED FLAG because those amounts should already be paid in full by the credit bureau to the company upon retrieving.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer report, I came across some / most credit inquiries that I did not recognize, and unverified items must be 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its refusal to remove inaccurate addresses from my credit report, in direct violation of my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ).

As a victim of identity theft, I have provided Experian with the necessary documentation to substantiate my claim, including FTC report, signed statements, DL and Proof of address. Despite this, Experian has failed to comply with my request to remove inaccurate or outdated information associated with fraudulent activity, specifically old addresses that are no longer valid or relevant to my current credit profile.

Under Section 605B of the FCRA, credit reporting agencies are required to block information resulting from identity theft upon receiving appropriate proof of identity theft. Experian 's refusal to address my request is causing ongoing harm and does not align with the obligations outlined in the FCRA. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Experian removes the old addresses from my credit report promptly. I also request that you require Experian to provide written confirmation of the corrections once they are made.
Product: Credit reporting

I disputed XXXX accomts from XXXX stating, " I am no longer responsible for the XXXX accounts ''. TransUnion did not complete thourough investigation to know that the accounts were dismissed in XXXX. In addition, the company agreed to remove all entries related to XXXX XXXX accounts I will provide the court documented and letter from XXXX. Please look into this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 48 financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request that the dispute settlement account from XXXX XXXXXXXX XXXX be removed from my credit report. I recently settled a debt with XXXX XXXXXXXX XXXX for {$470.00} and the debt was paid in full. As a result, I would like to have the dispute settlement account removed from my credit report. I am providing a copy of the settlement agreement and payment receipt as proof of the debt being settled. I am also including a copy of my current credit report so that you may verify that the account is accurately reported. I thank you in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, PR XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Balance : {$3400.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX
Product: Credit card

I purchased an international product using my Bank of America ( BofA ) XXXX card but the merchandise received was lower quality in workmanship and material than XXXX prior suites purchases at a lower cost. I contacted BofA to raise my concerns and they informed me of the process to follow to resolve my dispute. Since the first call, BofA did not provide proper guidance for international disputes ( per XXXX ), been unresponsive to my follow-ups ( XXXX calls ), and, during my last phone call with the Credit Claims Department on XX/XX/2016, the BofA representatives asked me to forge a letter from a XXXX retailer to say the product was not of quality ; this was witnessed by myself and the BofA Branch Manager. I am very disappointed in the way BofA has handled my credit card dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres several errors on my credit report. I've contacted Transunion but I am still dealing with the same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

Transunion has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has the same inquiries as transunion.
Product: Credit card or prepaid card

I had a charge on my Apple Card ( issued by Goldman Sachs ) that I did not authorize. Apple Card customer service refused to allow me to dispute the charge and simply transferred me to XXXX customer service. XXXX  Customer SErvice could not even pull up the detail. This is one of many unauthorized charges I have had on my apple card. I am also trying to close my account and they are making it very difficult.
Product: Money transfer, virtual currency, or money service

my fiancee XXXX XXXX XXXX had put me XXXX XXXX XXXX XXXX on his Chase bank accounts as the sole beneficiary and authorized signer to the cash deposit Now account. and I believe there is someone who has cashed the pod account illegally. we resided in XXXX XXXX XXXX Our home was burgerlarized at the time of his death of all personal documentation and everything of value and vehicles stolen off of the property we lived leased. Any thing I can give to check into this more for me. thanks XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX. 
Account XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.Code $ 1692g 15 USC 16928 ACCOUNT : XXXX XXXX XXXX XXXX  ACCOUNT : XXXX If you notify the debt collector within 30 days the debt is being disputed according to the FTC ; " Reporting debts first and asking questions later - or not at all - can land collectors in a steaming alphabet soup of FDCPA and FCRA violations. '' A debt collector must do notify you before reporting otherwise quote this ; " [ debt collectors ] violate the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers HOWEVER if they never contacted you at all or you never spoke on phone etc, they did not conduct a reasonable investigation. Sending a letter and you not responding is not a reasonable investigation. So it is still a violation for having a debt reported without speaking to you and validating the debt beforehand.

Usually, debt collectors send a notice and after 30 days of no response, they assume the debt is valid and report from there. This is not legal without verification however the debt collector will make the argument that the notice was given, so please respond to all debt collector notices letting them know you do not consent to any offers to contract nor do you validate any debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified the Bankruptcy Courts in my area that I was in dispute of what they had reported on my credit report to the three credit bureaus, Experian, XXXX  and XXXX. I sent them a letter in dispute, at which time, I sent it certified return receipt and as certified mail. I have documentation of when I sent the letter and when they received the letter. However, the Bankruptcy Court had failed to notify the three credit bureaus mentioned above of my dispute. I have notified the three credit bureaus and have provided all three credit bureaus with the proof in writing and I even included the dates that the documents were first initially received by the Bankruptcy courts and the credit bureaus have not taken it off my credit report, seeing that the Bankruptcy courts did not notify the three credit bureaus that my file was in dispute so that my file can be noted appropriately.

I have also sent the letter I received from the Bankruptcy court to all three credit bureaus stating that they did not report the information to them on my social security. However, all three credit bureaus keep saying that the Bankruptcy court did report the information to them, even after I have sent them a letter from the Bankruptcy court that the Bankruptcy court DID NOT report any information on me and my social security number to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX Are showing payments and delinquents on my reports and that is incorrect information. XXXX  XXXX  got paid in full
Product: Student loan

SL Finance disguised itself as a business to help with student loan payments. They have received a {$1000.00} of my student loan payments to them. Upon asking my new student loan balance, there was no response so i tried to reach out this company about this. No response from the company resulted in me changing my registered credit card that they have been charging for the past few months. Please shut this company down
Product: Checking or savings account

They have frozen my savings account with my {$250.00} in it. I want it unfrozen so I can get my funds back and close my account with them after this. I have contacted them over 5 times. All members of staff including supervisors were clueless and unable to help. All they said was 3 days. Its now over 20 days and still nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have reached out to Experian on XXXX/XXXX/17 to remove all the following listed below due to similar reasons the three major credit reporting companies XXXX Experian and XXXX will enforce stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth. Nearly all civil judgments and at least half of the nations tax lien records do not meet the new standards, and will be eliminated from consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/XXXX/XXXX, a complaint was filed with this agency regarding Experian Information service and its inability to verify a XXXX XXXX XXXX account on my credit report maintained by them under my social security number ( XXXX ). Experian continues to violate FCRA 611 ( 15 U.S.C. 1681I ) ( 5 )  Treatment of Inaccurate or Unverifiable Information ; I been unable for two years and an expired statue of limitations, been unable to verify a XXXX XXXX XXXX account for and FCRA section 611 ( a ) ( 7 ) Description of reinvestigation procedure. Experian continues to not provide a valid method of verification. On XXXX XXXX, XXXX, I received a copy of a credit report maintained by Experian Information Services under my social security number, with a paragraph that states, Outcome : Updated - information on this item has been updated. Please review your report for the details. Visit experian.com/status to check the status of your pending disputes at any time. Attempts to check this status fails. ( See Attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XXXX-17 to make them aware that this account XXXX XXXX XXXX XXXX account # XXXX is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account. I 've provided Equifax with an Federal Trade Commission Affidavit and filed a police report about the incident and sent a copy to Equifax. To date Equifax has yet to block this information from my credit file. I will attach a copy of the correspondence I mailed to Equifax about the incident within this complaint.