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

The creditor XXXX marked my report derogatory on XX/XX/XXXX over an misunderstanding account that i closed to switch service back in XX/XX/XXXX i made it abundantly clear to shut my service off XX/XX/XXXX and my service was still on even when i moved out until XX/XX/XXXX My account was charged and i paid it still and months later on XX/XX/XXXX they flagged my report for a {$62.00} payment charge off which i paid the same day The agreement was to remove the account once it was paid but it still shows on my report i tried numerous of times to dispute it and nothing was done
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX
Product: Checking or savings account

I left with family from XXXX to XXXX on an Emergency XX/XX/2018 regarding my mother who soon passed XX/XX/2018 I had returned. in that time I thought I left my wallet and phone in my vehicle but it was not there, I called keybank XX/XX/2018 to put my card on hold for suspicious transactions and told me to call again XX/XX/2018 which I did twice now keybank says I have to fill out a police report but no burglary was committed to my vehicle and bring a form of i.d . which got stolen. I don't know what else to do.
Product: Prepaid card

I noticed a Unauthorized charge taken out of my dasher direct account ( Payfare ) onXX/XX/2024 in the amount of {$95.00}. The merchant the charge came from was XXXX XXXX XXXX I did not authorize this charge and I do not even know what XXXX XXXX XXXX and I immediately called the support phone number to report this charge. They immediately locked my card and stated they would send me a new card and they authorized me to fill out a dispute form that was emailed to me. I did so right away and explained this charge was not authorized by me and I had no idea why it was charged to my account. After submission of the dispute form i received a correspondence back from the Payfare telling me to attempt to reach out to the merchant that made the charge on my card and try to get my money back this way. I did so and contacted XXXX XXXX but they said I had to have an account # in order for them to locate the charge I am referring to and I do NOT have an account with XXXX XXXX so there was nothing they could do for me to return the money withdrawn. I then filled out the form XXXX  sent me explaining this and I have not heard nothing back from them in over XXXX weeks so I called them again to check on the status of the dispute and they said I need to fill out another dispute form. This is Unacceptable because I have already done this several times. How long is this supposed to go on before they return my money?? I have read countless other complaints in regards to Payfare not returning unauthorized transactions on others dasher direct pay cards and so I am now scared I am going to be out {$95.00}. Plus they charged me {$5.00} to get a replacement card and this is ludacris because I had to get a new card because my card was compromised. Please someone help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Inquiries Appearing On My Credit report. 


Fraudulent inquries appearing on credit report appearing on 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
Product: Credit card

Purchased a Samung Dryer online at Sears.com. Dryer was never delivered. Received no calls from Sears. Credit card was billed for the purchase. Made four calls to Sears in regards to this, all ending in promises that we would be contacted within 24 - 48 hours with a resolution. Never received a single call from Sears. Issue is now in dispute through CitiBank.
Product: Student loan

Hello - I received a predatory call from Great Lakes Educational Loan Services , Inc. where they posed as my student loan servicer and received my personal information before I figured out they were not who the actual loan company. The agent was quite rude when I questioned his intent and got verbally abusive on the phone. Now, after this contact I'm concerned that they may use the information I provided for means that I do not approve. 

I do not appreciate their deceptive rude tactic and would someone to reprimand them for these practices. 

This practice of calling a list of people with student loans is very tricky and disturbing. 

Company info based on the phone number XXXX search match. 
Great Lakes Educational Loan Services , Inc .
Product: Student loan

On XX/XX/XXXX, I received a call from Navient asking me if I wanted support in paying off my student loan balanced. I paid off my student loan balances in XXXX and had not heard anything since XXXX and now they want me to pay late fees on a student loan account I paid off in XXXX, 5 years ago. 
When prompted to review, they indicated they reversed payments but never told me in XXXX at the end of my last student loan payment though I clearly recall a phone conversation with a Navient aid to walk me through final payments on my loan. 
I do not have records as was in an old email account and can not locate the final letter but have not received bills or statements from Navient since XXXX and just now getting this call that I have a balance including late fees 5 years later. I have not received any mail even though I verified they had my correct mailing address on file. It is clearly documented on my account that it there are reversed charges in XXXX and not contact until XXXX. I am unclear on how to file a formal complaint and they will continue to file late charges. They said they reversed charges because I had paid it off but are now charging me for the reverse charges with late fees. The manager who authorized this is XXXX XXXX at Navient. Now my credit score is being impacted.
Product: Credit card

I became a victim of identity theft, my personal information was stolen or compromized and as results I've got one fraudulent account. I found this one fraudulent account on my credit report : Account Name : BK OF AMER Account Number : XXXX ( it shows on XXXX and XXXX XXXX or XXXX ( it shows on XXXX ) Open Date : XX/XX/year> Balance : {$0.00} I absolutely have never authorized, opened or registered this account. I have never logged onto this account, I have never paid for this account and I have never never signed any documents or contracts on this account.
Product: Vehicle loan or lease

I look at my credit report and saw that Santander is stating that I had a loan with them, but I have no proof. I called them and there was no information in their system but its showing on my credit report. There is another company that ran several inquiries and on my credit without my permission and I have the letter. There is a total of XXXX inquires on my credit report that was done without my permission or consistent. XXXX XXXX dealership. 
And a medical bill that's on my credit report that's does not belong to me.
Product: Credit reporting or other personal consumer reports

I have previously submitted multiple requests asking your company to reexamine the inquiries on my credit report that I believe are incorrect. Aren't you obligated to complete these investigations within 30 days of receiving such requests? I am aware of instances where companies have accessed credit reports without a permissible purpose, and I have yet to receive any verification from your company justifying these inquiries. I am listing the inquiries that require investigation once more : I have attempted to contact each of these companies, and most have no record of me. How could they have a valid business purpose to access my credit report if they do not even recognize who I am? 

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

So this is my 5th or 6th asking TransUnion to launch a dispute regarding a few negtive items on my credit report. There has been no sense of urgency to resolve the matter. The dispute results are being verifired as accurate, but I have not been provided with ant documentation of accuracy. Which is a violation of my FCRA rights. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXk, XXXX. I do not want results as verifired as accurate I want proof ( which you should have ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to inform you that I am a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 

Here are the list of the accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

XXXX uses a third party service called Certegy to cash payroll checks and was declined XXXX times and do not understand why upon meeting all criteria. And was given a receipt to call Certegy for an explanation for the declined transactions. I requested a file report from the company and it records show no outstanding balances. 

All declines were coded XXXX with an explanation below corresponding to the number that read : This transction received a decline recommendation from Certegy because it did not meet the acceptance guidelines, which may vary by check cashing locatioin and transaction. Factors may include a combination of : the check number, dollar amount, check cashing history, or other transaction details.

I attached the check below for {$650.00}, along with receipts to call Certegy for an explanation. As you can see my check met all criteria and it was rejected for cashing. I didn't make a copy of the other additional check from XXXX for {$440.00}, because I was able to cash it elsewhere without any issues or problems. And it included the exact same information and was rejected as well. 

There was a stipulation that stated a check may declined due to check cashing history. As you can see I was able to cash a check without any problems at XXXX using Certegy on XX/XX/XXXX, for {$270.00} proving check cashing history. I met all criteria and was declined and would like to know why Certegy isn't honoring their policy regarding guidelines and stipulation in order to cash a check? I'm not satisfied with their answer by telephone on XX/XX/XXXX, as I was quoted the same stipulation outlined in the Certegy report with code XXXX. 

If there is an illegal hold on my account preventing XXXX from cashing my checks. I ask that Certegy uplift it with assistance from CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great Lakes has not been a loan provider for my student account for years. All my loans were transferred back to the original holder XXXX XXXX  several years ago. In 2021 XXXX XXXX  forgave all my loans and closed my accounts yet Great Lakes is attempting to report that student loans are active on my credit report. They are reporting recent late payments which are not at all true.
Product: Debt collection

Received letter in mail about a XXXX debt from 5 years ago. I Never had XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX US DEPT OF ED/XXXX
Product: Debt collection

National Credit System is committing aggravated identity theft. I have not done business with this company and there is no contract or promissory note that legally binds me to pay any debts to National Credit System..

I did not authorize or consent for National Credit System to have any personal or financial account information regarding XXXX XXXX. I REFUSE TO PAY THIS ALLEGED DEBT. This is my nonpublic personal information that they are not authorized by me to have access to. This debt is disputed by me. 

They are attempting to extort me for payment which is a crime under title 18 of the United States Code. I request National Credit System Provide me with : - Proof of the existence of the alleged debt and outstanding balance - Proof of a contract verifying National Credit System can legally collect - Proof that National Credit System is the current holder of the instrument which created the debt with my original blue ink signature - The Aggravated Value of Purchase that shows how much National Credit Systems paid for this debt There is no Privity Of Contract under the doctrine of Privity of contract. National Credit System is violating the holder in due course clause pursuant to Uniform Commercial Code 3-302 ( a ) ( 2 ).

I want them to cease and desist all communication and all attempts to collect payment from me effective immediately upon receipt of this complaint.
Product: Payday loan, title loan, or personal loan

I took out a loan with TOWER LOAN/XXXX XXXX in XXXX LA XXXX on XX/XX/XXXX ... .I am constantly trying to make payments each month and this company is REFUSING MY PAYMENTS IF THEY ARE PARTIAL!! I spoke with the management XXXX XXXX on XX/XX/XXXX in the office. I told her I CAN meet the payments they have in place ON TIME by DEBIT CARD over the phone each month. The manager stated to me they can ONLY ACCEPT PARTIAL PAYMENTS IN CASH AND IN THE OFFICE IN PERSON!! THEY WOULD NOT TAKE MY PAYMENT FROM MY DEBIT OR CREDIT CARD UNLESS IT WAS THE AMOUNT THEY WANTED!! I asked her to place this in writing please, she refused to do so and told me the company would not allow it..She offered to come to my home and collect any payments I had but they had to be IN CASH ONLY SHE SAID OTHERWISE SHE COULD NOT ACCEPT!! I have XXXX XXXX children and I can not continually go to their office and make payments because they REFUSE MY PARTIAL PAYMENTS OVER THE PHONE!! She stated to me on XX/XX/XXXX that the the SYSTEM WILL NOT ALLOW HER TO TAKE ANY PARTIAL PAYMENT FROM ME THAT WAS NOT IN PURE CASH!! I asked her if she would place this in writing as well... she refused this also and stated there is no point and the company would not allow it. I am trying to keep my account current but I am being charged COUNTLESS LATE FEES MONTHLY because they WILL NOT ACCEPT MY PARTIAL PAYMENTS!!! I can not travel to get cash each month to give this company due to XXXX of my children XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. BUT I CAN PAY OVER THE PHONE!!!! I explained this to this company thoroughly and she refused to assist me in any way further. She told me it was my responsibility to get to their office WITH THOSE XXXX  CHILDREN!!!! They also called me and my family a told of 42 times in 1 month repeatedly!!!! I asked on XX/XX/XXXX that this company would stop the excessive calls to myself and third parties on the application because it is beginning to become harassment. The manager refused and stated this is what has to be in order to collect payments. I asked if calls were being documented because the company even calls BEFORE DUE DATES ... the manager stated calls ARE BEING DOCUMENTED!!!! Including all calls total to third parties as well..this company has called a total of 68 times in 1 month!! I have each date and time to each person they have called!! It's ridiculous and causing me financial stress and strain!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ), I am challenging all inaccuracies or deficiencies of reporting from my credit report. The information in my profile needs to be accurate and complete, so I am asking you to follow the Metro 2 compliance standards and FCRA law to ensure that all data is accurate and up-to-date. If you find any misrepresentation of facts on my credit report, it can have serious consequences, so I need you to fix these problems right away. From this point forward, I only want factually accurate, verified, and compliant data documented on my credit report.
Product: Credit reporting or other personal consumer reports

According to the XXXX an upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off account : Account # XXXX CITIBANK , N.A . After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit card or prepaid card

An agreement was reached under the supervision of the state attorney general consumer affairs division for a merchant to cancel a contract and refund me {$6000.00}. This refund was issued to me on XX/XX/2022 on my Capital One credit card ending in XXXX. Even though this card was closed down on XX/XX/2022 for fraud, Capital One assured me that the card is linked to my new card and the credit should post. Till now, I have not seen the credit of the {$6000.00} being posted to my account. I have seen other credits from other merchants that were charged under the XXXX and for which all or partial credits show on my new card. 

Capital One confirms ( letter attached ) that the credit of {$6000.00} was issued by the merchant but doesn't state why they did not post the amount. 
The merchant provided me proof of credit issued ; the {$6000.00} withdrawn from his XXXX  XXXX XXXX account, Deposit Id to Capital One for the transaction all of which are enclosed here. The agreement and cancellation of my contract with the merchant is also provided here. 
Capital One confirms that the merchant issued the refund in a recent letter ( attached here ). So what seems to be the problem????? Why are they keeping my money????