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

I was approved for a total XXXX discharge on all of my student loans with the department of education/XXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of transunion to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

Please see attached letter, exhibits, and identification documents. The three accounts in question were not blocked from my credit report following my Identity Theft Report received by TransUnion XX/XX/2023 ( Pursuant to 15 U.S. Code 1681c-2 ). These three accounts were also not deleted by TransUnion for having major discrepancies between the three bureaus. Instead they were 'Verified ' as 'Accurate '. I am now questioning TransUnion 's verification and investigation methods in this attached complaint letter, also delivered to TransUnion on XX/XX/2023 via USPS mail.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/2019, my computer was hacked through a fraud announcement concerning a coin bonus where I clicked on a link. Someone was able to then steal and use my credit cardaccess and information and make international purchases of cryptocurrency coins in the amount of $ 6,200.00+ dollars where the U.S. Bank USA let the action happen unknown to me. When I found out what was happening I frantically called the bank, alerted the action of fraud to them, told them to close my account, stop my card from future use, and asked for another card to be sent to me. In my own investigation, I found my security back-up information of telephone and email address had been removed and fraudulently replaced with a different international telephone number and an email that was XXXX in nature using XXXX. I was able to find this intrusion, change the information back to my original telephone number and email and change all of the passwords to my computer and two of my emails that had been hacked. I had my computer scanned and checked by a firm that I use in Florida to make sure I was clean of the hacking. I called the bank, talked to their fraud dept., stated what had happened, giving them the fraud evidence. U.S. Bank USA send me a letter stating that I would be credited for the frauded theft amount which they so did. A number of days later, they took back their action of credit and told me that I was now responsible for the hacking/credit card action and would have to pay the money back that had been stolen from my card. I contacted the bank twice, filed a theft report at the XXXX Police Dept of theft, sent two letters to the Bank CEO but was refused any help and was told again that I am totally responsible for the theft action of my credit card account. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXXXXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

The hard inquiries arent my account. I have tried several times. I thought their process was to do a 30 day investigation. Equifax has not carried out that investigation process there investigation is a two day turn around. XXXX XXXX XXXX was not authorized to run my credit.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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

1-Account name : XXXX XXXX XXXX, Account number : XXXX, Date opened XXXX XXXX, XXXX. 
2-Account name XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Date opened : XX/XX/XXXX. 
3-Account name : XXXX XXXX XXXX XXXXXXXX, Account XXXX, Date opened : XX/XX/XXXX. 
4-Account name : XXXX XXXX XXXX Account number : XXXX, Date opened : XXXX XXXX, XXXX. 

INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XXXX XXXX, XXXX. 
XXXX Inquired on XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX Inquired on XX/XX/XXXX. 
XXXXXXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX. 
XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX. 

The accounts above have violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. it also states a consumer reporting agency can not furnish an 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 fallowing items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.D 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX loan DATE OPEN XX/XX/XXXX Charged off XX/XX/XXXX Balance XXXX Original balance XXXX Terms 82 months Responsibility - individual In accordance with the fair credit reporting act convergent account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I received a call from someone purporting to be named XXXX XXXX at the Bank of America, calling from XXXX. He said someone had tried to use my XXXX XXXX and name to open a Bank of America Visa card account in XXXXXXXX XXXX He gave me the XXXX XXXX XXXX XXXX XXXX. I said it was fraudulent. He said he wanted to transfer me to " high authorities ''. 

He then transferred me to someone purporting to be named XXXX XXXX at the CFPB. He called me back from at XXXX XXXX XXXX. He started asking me to verify account numbers. At that point I declined to continue the call. 

I have a call in to Bank of America but I wanted to notify CFPB as well because someone is impersonating a representative. I asked him to tell me the name of the head of CFPB and he could not. I told him XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was going to make a report.
Product: Credit reporting or other personal consumer reports

The credit agent is not investigating my report or sending me accurate information or give me details about the item that I have already disputed and asked him to verify and send me proof i've also called in multiple times and spoke to someone on the phone and they will not give me the proper information I ask that you investigate this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX v. LexisNexis Risk Solutions , Inc., No. XXXX ( E.D. Pa. 2012 ). LexisNexis was found liable in a class action lawsuit for storing and disseminating expunged records. After filing a dispute in their Process LexisNexis said they closed my dispute and told me I have to fix this. They have been contacted twice concerning the removal of my expunged records. No action has been taken. I was forced to give personal information to a operator in a foreign country with access to their database there operators would not identify thereslves or put me in contact with there legal department upon my request.should they be outsourceing access to us citizens personally identifiable information to the XXXX is another argument I would like to have answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Listed are 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 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 and antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

On XX/XX/2017, I made a {$1000.00} credit card payment to my student loan provider, Navient ( ex XXXX ) and asked the customer service rep. to cover the total amount due ( {$580.00} ) and apply the amount left over ( {$410.00} ) to a specific loan, since that loan has the highest interest rate ( 4.25 % ) and it 's the smallest loan. Mysteriously, the amount left over was not applied to that loan, but rather to the largest loan ( {$32000.00} ) I have with the highest interest rate ( 4.25 % ). 
I pointed out the problem from XX/XX/2017 to another rep. on XX/XX/XXXX and she told me that the reallocation of {$410.00} from the highest loan to the smallest loan would be processed by XX/XX/2017. 
I messaged Navient 's live online messaging service on XX/XX/XXXX to explain the problem and the rep. told me that they were looking into it and that it should be reallocated by the following week. 
On XX/XX/XXXX, I called to yet again follow up and also make another payment, but nothing regarding the misallocation from XX/XX/2017 had been done. I received no correspondence regarding this matter. I pointed out the problem to another rep. this time and he told me that the reallocation of {$410.00} from the smallest loan to the largest loan would be processed at the latest by XX/XX/2017. 
On XX/XX/2017, I called yet again regarding situation from XX/XX/2017 and also to make a further payment. I explained the situation to yet another rep. and received his permission to record our conversation, and then made a payment with him. After the payment, he transferred me to a manager, XXXX. He denied me permission to record our conversation. I was very distraught and explained to him why I was upset. I then threatened legal action and to write a formal complaint to the Consumer Financial Protection Bureau if I did n't receive some form of written correspondence telling me they were dealing with the situation by the end of that day. He acted tough and told me that the " Monetary Department '' dealt with these matters and that no one from that department was in. I was on the telephone for 2 hours as both he and and the other rep. put me on hold " looking '' for someone. 
After that phone call, the situation turned extremely weird. When I went to log into my online Navient account an hour later, the access was denied and I had to " re-register '' with a new login-name and password. After re-registering, I noticed that, although I made a payment on that day ( XX/XX/2017 ) totaling {$700.00}, that sum was also never applied to my loans and the amount of my smallest loan actually increased by {$240.00} ; my payment " disappeared '' and I have no idea what the increased amount of {$240.00} is. What happened here? 
Even though I CONTINUOUSLY call and ask for clarification, my requests are met with a lack of accountability and customer service representatives who seem to lie about my situation. I want to know where my money went and why more money has been added to one of my loans. 
I can prove all of this, since I record all correspondence and take before and after screenshots of my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the breaches from each of the credit agencies. This is the 2nd time my information was able to be used by someone to obtain goods and services in my name. I sent each of the credit bureaus my identity theft report, my copies of my driver license, my last check stub, and a request to have this fraudulent information removed from my report. Each has asked me to allow 30 days or more to have the information reviewed. In the meantime I am unable to obtain credit due them not taking the necessary steps to protect my credit file within their system. According to the fair credit reporting section 605B, they had 4 business days to remove or block this information from my file and they have failed to do so.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking and deletion of fraudulent accounts that have been reported under my name due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B and 15 USC 1681c-2 ( a ), I am entitled to have these fraudulent accounts removed from my credit report.

The following accounts were opened without my authorization due to a data breach : XXXX XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$780.00} XXXX XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$960.00} XXXX XXXX  XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$3900.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$300.00} XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by. CAPITAL ONE XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have several complaints regarding Western Shamrock XXXX XXXX XXXX XXXXXXXX. On XX/XX/year> XXXX from western shamrock had called my wife regarding my account, stating that if I did not make a payment then I would be taken to court due to my account being past due. My wife is not on my account, so western shamrock should not be giving any of my account information to her in the first place. I have also had many aggressive and harassment conversations with XXXX XXXX of western shamrock. 
One incident occurred on XX/XX/year> XXXX XXXX had called my step dads phone and I answered because I was with him at the time. When I answered XXXX asked if this was XXXX XXXX my step dad ). I then stated no this is XXXX, how can I help you!! XXXX began to tell me that my account was past due which I already knew because I had called them previous and set up a promise to pay already so I was unsure of why they kept calling not only myself, but my whole reference list!! After that she kept talking over me when I kept trying to explain to her that I already had a payment agreement. She continued to raise her voice over mine, so I said please dont call my step dads phone again. XXXX stated i cant do that unless he tells me that himself!! So I then had my step dad tell her to not contact him again. Furthermore, Ive been harassed and threatened multiples times by XXXX and XXXX before she was let go. I am highly aware that its illegal for a company to harass customers and threaten them to take them to court for their account. Especially when they cant even send someones account to legal until severely past due Therefore, I was not pleased at all with XXXX unprofessional customer service with my wife nor XXXX unprofessional service with myself. You can contact me via email ( XXXX ) or via phone ( XXXX ) XXXX! 
Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested XXXX credit report through the XXXX website. After waiting over 6 weeks did not receive report in mail. I called XXXX. They did not receive my request from Annual credit report.com. I am concerned that my letter with my SS #, DOB, etc. was compromised through the mail or stolen by an employee. The rep at XXXX told me that the address on the form was incorrect. Annual credit report has one phone number available which does not have an option to speak to a live representative. The phone system is not user friendly and dead ends your call. A company that deals with sensitive consumer private information should provide phone access to a live person. Not everything can be resolved through automation. 
They can't address my problem if I am unable to report it to them through their inadequate system.
Product: Checking or savings account

I tried to transfer funds from my savings account in the amount of {$20000.00} and the transaction was automatically reversed by them. I called them and they claimed that the funds couldn't be transferred to that account since I had not previously transferred funds to that account, even though the account at XXXX XXXX bank is an account managed by me as majority owner in the business for that account. They insisted that I couldn't transfer these funds because Marcus policy wouldn't allow it and that I could only transfer to the primary used checking account. This critically affected my ability to make business payments and is holding my money hostage for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to address an error in the recording of a payment on my credit report, which was inaccurately processed by XXXX BANK. Despite making a payment on time, there was a discrepancy in the recording due to an error in their software system. Upon identifying this issue, I promptly contacted XXXX BANK to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. But the bank is not complying with their word, they said they would fix the issue but it's still remaining in my report. Please have this account updated : XXXX BANK XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was told by the Experian representative that I couldn't dispute this account anymore. And I was told by the Mortgage Servicer representative that the only way that I could dispute this account was through email or fax.