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

XXXX XXXX LAST 4 of social : XXXX XXXX XX/XX/2023 Re : Account Number ( XXXX ) I accept no responsibility for ownership of this debt ; I recently viewed some inaccurate information reporting on this repossession account. Since your supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus. REVIEW this account immediately and REMOVE it from my credit report. Once a vehicle is sold at auction I no longer owe the original debt and the information you have on file is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The true account type for this account is a Credit Sale Agreement. Please remove this account from my credit file immediately.Please remove this account from my credit file immediately. I look forward to resolving this matter quickly. Send me a new FREE updated credit report via mail within 30 days. you only have 30 days to respond or I will file a complaint! 

Sincerely, XXXX XXXX
Product: Credit reporting

I did my taxes on XXXX XXXX 2015 and my taxes still pending for 4 months then i called the irs office and they told me that they cant send my refund cause they need to verify my id, so they transfer me to another office and XXXX lady ask me a lot of questions finally they found that im the real XXXX XXXX XXXX and that somebody in new york used my name, my last name, my second last name and my social security number there, that person filled the taxes using my info, i call a company to report a identity theft and they said that the only thing that can do is put a fraud alert in my credict report, another concer is that they sent me a credit report and it shows XXXX phone numbers that never belong to me ...
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized access and handling of my credit information by the entities listed below. In accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681, consumers are entitled to privacy and confidentiality in the handling of their personal credit information. Consumer reports may only be accessed for permissible purposes, such as evaluating creditworthiness for a legitimate credit transaction initiated by the consumer.

As the lawful owner of my credit information, I assert that any entity seeking access must do so with explicit authorization and solely for permissible purposes. The following entities have violated my federally protected consumer rights by improperly accessing my credit reports : BRANDSOURCE/CBNA CITIBANK N A CITIBANK NA. , BEST XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Under 15 U.S.C. 1681b, no consumer reporting agency may furnish a consumer report without my explicit written consent. Furthermore, 15 U.S.C. 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure that credit reports are accessed only for legitimate and permissible purposes. The lack of compliance by these entities constitutes a breach of federal law.

Additionally, any negative items reported on my credit file by these entities must be immediately deleted from XXXX. The handling of my personal information by these companies may also constitute a violation of the Privacy Act, which requires that personal data be accessed and used only for legitimate and authorized purposes.

The resulting inquiries and unauthorized access have caused significant harm to my family and me, including emotional distress and damage to my financial reputation. I respectfully request that this matter be investigated promptly and that all unauthorized inquiries and associated negative items be removed from my credit reports.

Thank you for your attention to this matter. I appreciate your efforts in ensuring that my rights under federal law are upheld. Please feel free to contact me
Product: Credit card or prepaid card

I enrolled in Netspend prepaid card service. I had my paycheck direct deposited on XXXX/XXXX/XXXX. I called to see what my options were as I had not received the actual card yet. I was told I was limited to ACH transactions until my card arrived ( still waiting for my card ). So I have no access to my money whatsoever until that day comes. But I had bills to pay, so according to the netspend website i sibmitted bills for payment via ach. Following netspend instructions for ACH payment. They charged me a {$5.00} " service fee '' then rejected my auto loan payment as well as my cable bill payment. How is it fair to that they can debit my account for a service fee, but i cant use my own money to pay my bills? What is the service im being charged for? To have my payments denied?
Product: Checking or savings account

On XX/XX/year>, I placed a deliver order through the XXXX XXXX for {$36.00}. The order took forever, so I cancelled it. XXXX said that I would receive a refund in up to 10 business days. It is now XX/XX/XXXX and I have not received my refund. I contacted XXXX, who confirmed that they already sent the money back to my bank, Sofi. They also provided me with the bank authorization code for when they sent the money to my bank, XXXX. XXXX confirmed that this was refunded on XX/XX/year> at XXXXXXXX XXXX  XXXX. I have contacted Sofi multiple times and they refuse to give me credit or acknowledge their error. This also is not the first time this has happened with Sofi. Last time, they only resolved the error after I submitted a complaint here.
Product: Student loan

I was added as cosigner on a student loan through   XXXX   XXXX   XXXX   in  XXXX . When I fiiled out my portion of the paper work I added three stipulations for the loan :  1 Interest would be paid during school to avoid a Higher amount of principle at the end of school. 2 I be notified if the loan payment is late. 3 d o not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX   XXXX   took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  First Marble Head  and then  XXXX   XXXX   XXXX . The loan is serviced by  XXXX   XXXX   XXXX  and despite 11 years of attempting to resolve the fraud with  XXXX  I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected.   XXXX   and  XXXX  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held  hostage or gi ve in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan )  Issue Getting a loan : Qualify for a better loan than offered
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/. entered into a judgment while begin represented for child support and spousal support totaling {$1700.00} a month. my income is - take home XXXX XXXX monthly. while there was no evidence provided to make a judgment of that nature, physical or testimonial. While unable to make the payments, on top of all the other bills I was forced to not pay. while looking for help and researching there were many helpful ideas. while child support itself is the biggest corrupt unconstitutional fraud ever committed, there is also money. I have been and am still begin forced to work for fake money,. has no value. I have been monopolized and railroaded in absolutely every aspect. it has violated every single civil right and liberty i, as the United States of America born national, consumer, citizen whatever. For example, My residence is provided water from XXXX, a Lake obviously ( look it up ). Rain falls from the sky into the lake, i pay for the treatment and the piping to my residence. Which would be ruffly 2 % of the bill ( cost of treatment and piping ). While the piping was paid for by taxpayers already, we continue. The maintenance is slim to none, living here and seeing absolutely no construction. Water from the sky, I pay for. I flush my toilet, I have to also pay to get rid of that water and treat that as wastewater. The special district then pipes the wastewater to XXXX to, " XXXX  XXXX '' a power generation facility. In which they sell the water to " the geysers ''. All that and myself, the consumer gets {$0.00}. When did the waterfall from the sky? Who owns that water? Hopefully, that makes sense. 
Banks loan me money, yet they can't provide any debt validation/verification. Mainly because they didn't loan ANY money. Yet I have XXXX XXXX, and XXXX XXXX  and can not buy a house because I was initially wrecked by the CA state judicial system. I have gone through every possible avenue to seek remedy. I am extremely educated in the factors herein and do not have time to waste. my life has been drastically affected and continues daily. The respect I once had for any authority within is diminished. my faith in any justice is rare, as well as the leaders. I've been discriminated against at work, and at all government agencies contacted. I have been ignored. It's absolutely unacceptable and my mission will continue to pursue remedy. Either of broad media or alike, until there is accountability there will be navigation to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to Experian multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Experian has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Experian did not have permissible purpose to report anything to my consumers credit report. Experian received information from someone other than myself. Thats aggravated identity theft! Experian also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Experian must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.
Product: Checking or savings account

I opened an account with Chime. 
Things were okay until They accepted my benefit payment from DC unemployment. 
I received a message saying my account had been flagged and a hold was placed on my account pending verification of additional documentation they requested. I provided and received confirmation the documents were accepted and reviewed. 
they closed my account, blocked my phone number from being able to reach them via phone and sent a message saying they would not be giving me my money nor providing any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I contacted XXXX XXXX XXXX in writing to discontinue reporting the fraudulent collection account XXXX to my credit report as you are in violation of FDCPA. On XXXX  I contacted XXXXXXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account XXXX. To date, XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX  have responded to my request or discontinued reporting the associated fraudulent account to Equifax, XXXX, and XXXX XXXX XXXX XXXX. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts with the XXXX Police Department and attached my FTC Identity Theft Report and provided copies to Equifax, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection account and any inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY FINAL NOTICE BEFORE I SEEK A LEGAL REMEDY. 

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 

XXXX XXXX  XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Product: Credit card or prepaid card

I locked my credit card because my payments were higher when I had found a full time job after losing my previous job to Covid. However, when i received a letter from Radius, they keep giving me a run around and not allowing me to set up a payment plan to pay off my credit card within 12 months. Now they are demanding my personal information ONLINE including my social security numbers etc. I do not think this is acceptable now that I already had my identity theft happen to me last year. All I wanted was a payment plan set up to pay off my credit card with XXXX XXXX. That is all. The company is Radius Solutions. Not sure if anyone is aware of this company? Is this company legit because they should NOT be asking for my personal information via E-mail. Thank you for any help I can received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 60-120 ) days late on the XXXX XXXX XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Student loan

I recently contacted Nelnet multiple times the past week. Firstly, my student loan was showing repayment to start in the year XXXX. I was told this was because of a borrower defense claim. However I contacted borrower defense and reviewed all paper work and these loans should not have been put into forbearance by Nelnet. I contacted Nelnet again and a supervisor stated that this was just an error and it should update. Now the payment date was 1 month later in XXXX when payments should not be in forbearance at all and should start in XXXX. 
I just opened up the mail from my mail box ( physical mail ) and found a letter stating that I requested a forbearance and that my due date is now XX/XX/XXXX. 
On all of the paperwork reviewed with borrower defense, I specifically asked for my loans not to be put into forbearance. 
Now regarding my most recent IBR plan request, I also specifically requested for any loans in Forbearance to start re-payment immediately. However I received this physical mail nearly a week after that request. 
I will not be responsible for any accrued interest that is capitalized due to this error on the part of Nelnet so please have this reviewed and fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been trying to fraudulently open up accounts in my names that I didnt have any knowledge of and dont consent to here are the names of the companies and the inquiries date please do whats right and remove these items Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian dated XX/XX/19 to delete a Chapter XXXX Bankruptcy listed in my credit report that is reporting inaccurately and inconsistent information. Experian refused to remove this incorrect information and they claimed that the information was verified as correct. 

It is impossible that Experian conducted a thorough investigation because the information is not provided by the XXXX Superior Court and they do not have any information from XXXX as there is a Security Freeze on my file. 

Please see attached copies of the dispute letter to Experian dated XX/XX/19 and the letter from XXXX dated XX/XX/19 confirming the XXXX Security Freeze. 

Please investigate Experian so this erroneous information shall be deleted from my Experian credit report. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

My debit card along with my wallet and cellphone was lost in an XXXX after an evening out. Someone used my card over 2 days and the charges totaled an astronomical amount. I had to get a replacement cellphone but was able to call the bank from my home phone. I reported the theft and I was told that my card was used and several unauthorized charges had gone through. I was assured that the bank would fight on my behalf and follow the Federal Regulation E that protects consumers. What is upsetting about all of this outside of my money being stolen, is the bank not sending any emails or calling my secondary number to confirm the identity of the person they spoke with. I was told that robocalls were made, and since someone had access to my cell phone they clearly spoke with the imposter, and instead of taking responsibility for their poor customer service and mistake they are blaming me and forcing me to lose out on thousands, but to also be responsible for theft of my funds when they had the power to stop it or prevent it. FDIC protects them and the CFPD and The Federal Reserve protects me The bank then, within days refused to provide promised provisional credit and to do an actual investigation on the dispute/ fraud claim. The bank did not reach out to any merchants to dispute these charges. Instead, they decided to just cancel my account and block my business and personal accounts. Despite the risk or anything else that has happened in my account The Federal Reserve and more specifically Federal Regulation E protects me and consumers like me from banks making discriminatory decisions without actual evidence. As a consumer, I am unbothered by anything you may have come across because I am a victim in this matter/case and I'm being treated like a guilty party!

By Law, I am allowed to request all documents used to help you find any decision your bank has made. In my case, I'm formally requesting those documents be mailed to me as soon as possible. I'm sure the bank doesn't have such documents because they did not dispute the charges, they harshly decided to put me at fault and close the account.

This has only added to my XXXX XXXX  XXXX, XXXX, and XXXX and has caused me much financial stress and hardship. I will be put out of my apt because my rent money was apart of the funds taken out of my account via unauthorized charge. NBAZ 's lack of compassion and empathy have really crossed the line. The tellers in the actual banks in Central XXXX  and XXXX are nice and very on top of things, but disputes and fraud and the call center couldn't care less about customers. I am willing to escalate that to the highest level because this entire situation is unacceptable. I forgot to add that throughout the entire situation the call center refused to speak to me, even now they refuse and I've gone to the bank and had tellers call, only to be given NO information. THe lack of communication is an issue too.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.