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

Greetings to all at the CPFB. Thank you for your service It has come to my attention that a private company called Merchants Credit Guide is committing many crimes against my estate and my name.

My question to the CFPB is, how can a 'private ' for profit company be allowed to obtain my personal information without my knowledge, written consent, or a court order? Does the CFPB allow companies to do as they please? I have requested that XXXX XXXX XXXX provide to me a proof of authority that allows them to Purchase and collect the information of XXXX XXXX without a license at CALIFORNIA where I live, my written consent, or court order. This is clearly identify theft by corporate bullies. I am unable to obtain goods for my household. This has to stop. I am asking that the CFPB regulates the false and deceptive business practices of the Merchants Credit Guide This is devastating to my family
Product: Student loan

I attended The University XXXX XXXX in XXXX, Montana from XX/XX/XXXX-XX/XX/XXXX ( received an associate 's degree ). My father cosigned on a loan for {$10000.00} with XXXX, who sold my loan to American Education Services. My father passed away suddenly and tragically on XX/XX/XXXX. AES notified me promptly ( we 're talking within 48 hours of my father dying- I was not allowed a grieving period whatsoever ) that my loan is now due back in full and immediately. I suppose I should have done my research and known that in the sudden case of my father 's XXXX this would happen ( silly me for not planning ahead for such a tragedy ), but AES wo n't even allow me to adjust my payment amounts. My father had set up the payments to work with his income as an accountant. Now I, fresh out of school and working with a $ XXXX yearly income, have to make payments in the amount that was fair for a $ XX/XX/XXXX income. I have exhausted forbearance, income-based payments, and every other option that would allow me to make affordable payments. Starting in 2 months I have no more options but to pay more than I can afford to these loans, all because they wo n't allow me to re-finance based on my personal income.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

A gentleman by the name of XXXX XXXX ( XXXX ) XXXX called stating he represented the check fraud department at a law firm that was brought on by Tan Oak Lending and the following occurred during the call : XXXX ) refused to provide any documentation of the Debt so I could verify it on my end. 

XXXX ) stated he was going to recommend charges of check fraud. 

XXXX ) Stated that he spoke to my ex-husband who I have been divorced from, for over a decade. Then told me he said I was emotionally unstable. This is after I requested he NOTspeak to him because he was abusive and I didn't want him to know my location. He confirmed that he told him I still lived in XXXX 

XXXX ) Information recited to me over the phone include the dates, amount, and address and other info was not correct. 

While I am aware that this was likely a scam, if it is legitimate several thing he did were highly inappropriate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I trust this letter finds you well. I am writing to address concerns regarding inaccuracies in the reporting of my personal information on my credit report. 

Upon recent review of my credit report, I have observed discrepancies in the information associated with my profile. While my current residence, as of the date of this letter, is accurately reflected in the address listed above, I have identified errors in the reporting of my date of birth and name. 

In light of this, I am reaching out to rectify these discrepancies promptly. To facilitate the correction process, I kindly request the following actions be taken : Update my credit report with the correct name and date of birth as follows : Date of Birth : XX/XX/XXXX  Name : XXXX XXXX XXXX Remove all previous addresses from my credit report, as I no longer reside at those locations. The presence of outdated addresses is posing challenges in verifying my identity and adversely impacting my ability to secure approvals for various financial transactions. 

To support this request, I have enclosed a copy of my updated address form, serving as proof of my current residence. Additionally, I am willing to provide further documentation, such as a utility bill or other forms of verification, to facilitate the verification and update of my credit profile. 

Recognizing the importance of maintaining accurate and up-to-date information on my credit report, I appreciate your prompt attention to this matter. Your assistance in resolving these discrepancies will significantly enhance my ability to conduct financial transactions seamlessly. 

I kindly request that you investigate and address this matter within the timeframe stipulated by law. I anticipate receiving confirmation of the corrections made to my credit report. 

Thank you for your prompt attention to this matter. I value your cooperation and assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX credit card did XXXX hard inquiries on my credit score because of that my credit score has negative impact can you please remove it because I do n't recognize this inquiries I do n't have XXXX XXXX credit card or I never tried to having it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past year I have been attempting Dispute unfamiliar items on my credit report in my dispute I asked for a method of verification on every single account/Trade line/item I have not received the proper information from any of the credit bureaus XXXX XXXX Equifax and XXXX I spoke to one manager at XXXX XXXX and he told me that we already sent the information and I told him no you did not you sent me a letter with blank pieces of paper on it Then he told me it is 2020 and everything is digital now so we verify it electronically and thats it That is not with the fair report in credit act says You have to verify the dates who you spoke to how you communicated with them what was their response what you communicated with them how do you retain your files The other two credit bureaus did not respond to my request at all and it is my right to have the method a verification Also all three credit bureaus are guilty Of when I correctly dispute an item and give them substantial proof on why the item is not valid on the report they just say that it is verified For example on all three credit bureaus they said that they verify bankruptcies by XXXX before I disputed I wrote the court on which the bankruptcy is CLAIMED to be with And asked them did they verify Bankruptcies with third-party creditors Such as XXXX  XXXX XXXX and XXXX XXXX they wrote me back and said no they do not as clear as day it says on two of my reports that they verify the bankruptcies with XXXX XXXX  I sent them a letter that the court sent me saying that they do not do this and they wrote me back the bureaus and said oh its verified
Product: Prepaid card

3 weeks ago, I contacted Incomm regarding 3 different giftcards that I purchased. I purchased 3 Vanilla branded gift cards in XX/XX/XXXX. At some point they became " compromised '' [ In reality these cards were never actually compromised, however incomm 's system/algorithm flagged them for whatever reason ]. Eventually, I received 3 replacement gift cards ( Card ending in XXXX for remaining balance of {$140.00}, card ending in XXXX for remaining balance of {$210.00}, and card ending in XXXX for remaining balance of {$450.00} ) in the mail, however these cards were then placed " ON HOLD ''. I was told that I needed to provide proof of purchase for the gift cards that they replaced ( unbelievable ), along with a copy of my ID, a scan of the cards that were mailed to me, and a utility bill in order to activate these cards. I provided a copy of all the requested documentation and then had to wait 2 additional weeks to finally be able to use. Yesterday I tried using another vanilla giftcard ( ending in XXXX with an available balance of {$500.00} ) that was purchased on XX/XX/XXXX and once this card has been listed as " compromised '' despite myself being the only person who as attempted to use it. At this point I am unable to simply use any vanilla gift/incomm giftcard that i purchased in peace. Every single time I have to call customer service, wait weeks for them to mail a replacement and then undergo more weeks of waiting for the card to be released from hold. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

They would not allow me to submit fraudulent information online and wait times on phone are over 30min
Product: Consumer Loan

I have a car loan with Well Fargo Auto. They call me and my wife sometimes up to two times a day for each of us looking for our payment. We are not behind and pay out bill with extra every month. You talk to one of their reps and the next day they call you again after you talked to them or someone with the same names. I do n't feel that they should be able to harass you like this on a daily basis, when in fact we make our payment each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Creditors Equafax, XXXX These account have inaccurate chargeoffs on my credit profile.i would like a thorough investigation, retaining to dates, addresses and payment history. The account numbers last for provided. The creditors charged me off and charged {$230.00} and collection agencie XXXX XXXX charging the {$1200.00} .account are came creditor XXXX XXXX XXXX amount {$230.00} XXXX also have some errors on account. It doesnt provide all information needed for verification. I would like investigation aswell for this account. For charge off. 

Account # XXXX Amount {$3800.00}
Product: Debt collection

Hello, I have disputed the Collection Account with Speedy Cash with all the 3 Bureaus ( XXXX, XXXX  and XXXX  ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company. 

The debt speedy cash is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. Speedy Cash re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX  and XXXX 5 times without any resolution. This is illegal to re-aged a date. 

I feel hopeless. 

Please help.
Product: Credit card

Four months ago ( in XXXX ), I was expecting a credit refund check to be issued to me. However, the check was inexplicably issued in the name of someone named XXXX, a person I have no connection to or knowledge of. Despite this error, I was informed that the check had been paid out, leaving me without the refund I was entitled to. 

To resolve this issue, I have contacted Amex customer support team almost daily, often spending up to two hours on each call. Unfortunately, despite the considerable time and effort I have invested, I have not received the funds owed to me, nor have I received any meaningful resolution or explanation for this egregious mistake. 

This situation has caused me significant stress, frustration, and wasted time. It is unacceptable that such a straightforward matter remains unresolved, and I am deeply disappointed by the lack of accountability and responsiveness demonstrated by American Express thus far.
Product: Checking or savings account

I open the account at XX/XX/2022 and the person in charge at this moment tell me they not havent in this time the temporary card I believe it I can wait 14 business day I call in the Costomer service I wait almost 30 day this people take me like fools they take avance of me because they work in there and they use the position they have to abuse peoples they lied I hope I dont know they trying and disrespect my right I m goin to sue them I dont know this person they freeze my account to make me have problems with my deposit from de XXXX XXXX XXXXXXXX I have the letter they notification they send to me I want to know what it they freeze my account
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. 

This particular account is affecting my ability to close on my new home this month.
Product: Money transfer, virtual currency, or money service

So I was going to get a puppy and this person and I contacted through XXXX. We made arrangements to get the puppy to me from California and I was supposed to get her this morning however, no contact from the person and now, I have been blocked. I paid {$650.00} and Chase ( my bank ) says that they can't help me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I had my account on square hacked. I called them to help me change my email and password immediately & no money had been taken from this short hack. Because of this they froze my account, not allowing me to move my money into my account other accounts. Because of this I am behind on payments and my account is incurring overdraft fees. They gave me no answers and refuse to help me with this matter. I have over XXXX XXXX in my savings with them that I can not access, meanwhile my other account is negative {$370.00} and receiving multiple {$35.00} over draft fees. I also have tons of bills I will have to pay late which may affect my credit score. I am a single mom and small business owner and I can not even afford gas without the money they are holding from me. I am beyond disappointed with how they handled this matter. No one seems to care and my calls and e-mails get me nowhere! It has already been 5 days with no word.
Product: Credit card or prepaid card

American Express advertised no membership fee for military. I then applied, selected the drop down box for military because I am XXXX XXXX, and was informed I was approved. I later recieved the card and subsequently a statement showing a {$550.00} 'membership fee. ' I contacted them afterwards and was told they would initiate a Servicemembers Civil Relief Act inquiry for me that would delete the fee. The {$550.00} charge reappeared again the following month and I again contacted American Express and they said I needed to submit 'verification ' documents, so I subsequently submitted my activation orders. The fee then appeared again on my next statement so I contacted them again and they opened another SCRA inquiry. Eventually, they were able to confirm my XXXX XXXX status and waived the membership fee. However, they did a credit reporting that I missed two payments for that fee they eventually waived. So, while they ultimately did give me 'SCRA status ' and waived the late fees, they refused to address their credit reporting of 'missed payment ' ( for jot paying fee ). My credit score took a 100 point drop as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2016, a dismissed bankruptcy Ref # XXXX was added to my reports. which I never filed. There was never any dollar amount added, I 've reached out to the credit agencies many times. So far XXXX was the only CR agency to removed it, the incorrect bankruptcy still remain on Equifax and XXXX. This inaccuracy has damage my life with obtaining credit cards, housing and financial aid.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Capital One charges a hidden fee for the use of their ATM 's if using a credit card. I was charged {$10.00} on a {$100.00} cash withdraw on XX/XX/19. I was not aware of the fee until after I was charged and it appeared on my statement.
Product: Student loan

I called MyFedLoan XX/XX/XXXX to ask for a refund for payments made during COVID forbearance. I was told that because my loans were transferred to XXXX, the refund would have to come through them. I had 15 total student loans- 13 of the loans were paid off through MyFedLoan prior to the conversion to XXXX XXXX I requested a refund from XXXX the same day - XXXX XXXX. I called several times to check on the status and was told by XXXX it was processing. XXXX XXXX I was finally told by XXXX the refund couldnt be processed because the payments were made and loans were paid off while belonging to MyFedLoan, and I would need to request through them. I called MyFedLoan to again insist for a refund. After speaking with 3 people, I got my refund request in, but was told the next day XX/XX/XXXX this would be canceled. They say that they are closing at the end of XXXX and will not have time to process my refund request. That I will have to wait until XXXX gets all the payment history transferred to them and then request the refund again in XXXX or later. This is a large sum of money that is being held when I am legally within my rights to request it be refunded.
Product: Money transfer, virtual currency, or money service

My identity was stolen. I discovered this because there was a XXXX payment made from my checking account to a person that I do not know and I did not initiate this transaction. I went to the bank and closed my accounts and opened new accounts. I requested that the XXXX payment be returned to me. I have spoken to several people at the bank including XXXX XXXX, Senior Branch Manager. She has been extremely helpful. Unfortunately, the fraud department denied my claim stating that the transaction came from an IP address that has been used for other transactions. I went into the branch and spoke to XXXX XXXX and she stated that the fraud department wanted proof so I should get a copy of the police report which I did. The claim was denied 3 times. XXXX XXXX told me that the fraud department stated that they could not speak to me. They told her that the same XXXX made several transactions through the same IP address. Unfortunately, I don't own an XXXX. I don't know who the person is that received the money and I don't know how the IP address is showing up as the same. What I do know is that I did not initiate this transaction. I had to close multiple bank accounts and credit cards with multiple institutions. M & T bank is the only on that I have had a problem getting the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against the TransUnion credit reporting agency. I filed a request with them to delete an erroneous item on my credit report on XX/XX/XXXX. They did a cursory, rushed investigation that on XX/XX/XXXX ( 3 days! ), they concluded that the disputed information was " verified as accurate ''. The erroneous item on my credit report involves XXXX which showed that on XX/XX/XXXX, I opened a credit card, # XXXX. I NEVER asked XXXX to open a new credit card as my old one is still open, # XXXX. I told the sales person specifically that. I called XXXX company twice, one in XX/XX/XXXX & XX/XX/XXXX to delete this item. I would like TransUnion to delete this incorrect item in my credit report. I would like them to do a more complete investigation of consumers requests and complaints in the future