23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Submitted a complaint via this site, company responded to call with any further questions, I attempted to call regarding account being paid in full but they will not speak to me via the phone. I submitted statement in writing requesting that they respond with information regarding receiving the full payment and a response to delete from credit file. That was mailed XX/XX/2020. To date, I have not received any response from this company and it is still showing on my credit report as not paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/ 2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2021 I filed a report stating my social security was used to obtain XXXX XXXX as well credit card fraud. unbeknownst to me at the time I received a collections on my credit report. I then immediately filed a FTC report as well as other alerts to stop any further fraudulent activities as instructed by my cities police department. Not long after this these accounts were removed. I recently checked my credit report on all XXXX major credit reporting agencies and see that only on TransUnion do I have a negative report for this account. I am upset and very confused as to why after I have healed from the crimes committed against me this now reappearing on my account brings back all the feelings I had when dealing with this circumstance in the past. If I can not find remedy for this account soon I will take the next step because of emotional anguish this is causing because of the negligence of the collection agency in not doing proper investigations and protocol. Also according to XXXX XXXX Code XXXX ( XXXX ) ( b ) Obligations With Respect To Disclosures Of Personal Information states any Authorization or Approval of a specific extension of credit directly or indirectly by the issuer of a " Credit Card '' or similar devise needs to be excluded from a credit report. And the LAWFUL definition for " Credit Card '' is any card, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor, or services on credit. In this case my social security number being used illegally/Fraudulently as a credit card to obtain labor and services on credit. Again I demand this account be deleted at once.
Product: Debt collection

JC penny sends me a statement of an account I do not owe or authorize or open. I called the company but was told I am still responsible for the amount.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements Comments 0. octronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax; XXXX and XXXX are reporting incorrectly a charge-off on the XXXX/XXXX – partial account number XXXX.  (Please see page 15 of the attached credit report.)  This account was settled and paid-in-full over five (5) years ago.  This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.  I have contacted the (3) bureaus to remove this, however I have not been successful.
Product: Credit reporting or other personal consumer reports

I requested an investigation to remove errors from my report. The three ( 3 ) credit bureaus failed to reply and didn't correct the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months back I signed up for Transunion 's credit monitoring subscription on their phone app for {$1.00} to work on improving my  XXXX  score. The following month I noticed the charges of {$19.00} in my bank statement. Unfortunately, being  XXXX   XXXX , I put off calling Transunion to cancel the subscription due to   XXXX   XXXX  . Then when I checked my bank statement for the month of  XXXX  I noticed that Transunion began charging me {$24.00} without informing me. I also noticed that not only did the  XXXX  charge of {$24.00} post to my account on  XXXX , but  XXXX  more charges of {$24.00} being processed on  XXXX . I immediately called Transunion to cancel the subscription and demand a refund. They informed me that my subscription would end  XXXX  and that only  XXXX  of the charges would be refunded within  24 h ours. This Transunion employee attempted to keep my patronage by offering reduced subscription fees as well as a month free. I respectfully declined.  48  hours later and no refund posted, I called Transunion back to find out why I have n't received my money back. The Transunion employee thanked me for informing them of the accounting glitch and that a refund would take up to 30 days. I then came across the article regarding the CFPB 's investigation of the  XXXX  credit bureaus and their predatory practices and fraudulent charges. I would also like to point out that at no point did Transunion offer me my free annual credit report. I Then decided to call the CFPB to submit a complaint. After a brief automated answering system, I was immediately put through to a woman named  XXXX  who directed me to this website as well as the process. And here we are ...
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : XXXX  XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

1. ) XXXX  Account DEPT OF ED / XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXXXXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX XXXX. ) XXXX XXXXXXXX XXXX # # # # # # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting are : XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX. I am asking EQUIFAX, XXXX  and XXXX  to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The following inquiries are unauthorized, and I ask that you DELETE them : XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

XXXX XXXX is harassing me for payment of my son 's student loan. First, they went through XXXX, now a law firm in New Jersey, Schachter Portnoy, LLC. My son has been paying this loan through XXXX for many years. They were accepting his payment up until XXXX, 2015 when they returned it to him. His address is on file with the loan companies ; however, they are still sending letters to my home. He has n't lived in that house in over 8 years. XXXX is willing to pay the loan, but no one has returned his calls or contacted him. They are just threatening me. I return his letters to them unopened and tell them to mail it to the correct address. His forwarding order stopped from our house years ago. I do not appreciate the threats and these collectors telling me the loan is in default. He has been paying the loan in good faith and all he received from XXXX was the returned check. No other information was provided to him as to who to contact about this loan. When XXXX took over the loan from XXXX and XXXX, the first thing they should have done was contact my son prior to proceeding with the collection process. In turn, this is unfair to my son and myself.
Product: Student loan

When the servicing of my loan transferred to Great Lakes they discontinued the auto pay function that I had set up with ACS. This resulted in my account becoming past due. I 'm concerned it XXXX have also affected my rate and my credit. I contacted Great Lakes because of emails I received, but I was not sure who this company was and immediately it asked for my social. Who gives out their XXXX to a stranger that emails them? When I asked to speak with a representative she explained it was due to 'hackers ' and 'my privacy ' that they do not continue the auto pay from XXXX servicer to another. I feel this is an unfair and deceptive act or practice. I now have the payments made and the auto pay corrected but if my rate or credit were affected I want it fixed. I also think that servicers should be required to sustain automatic payments when transferring. The lender is the same!
Product: Debt collection

MEDICAL BILL FOR MY SON FROM 2012 OR 2013, THAT HE WAS DOUBLE COVERED FOR INCLUDING A SECONDARY INSURANCE OF XXXX. IF FACILITY DID NOT BILL IN A TIMELY MANNER OR MISS BILLED, THEY NEED TO WRITE OFF BALANCE AS THEY WERE AWARE I/ MY SON WAS DOUBLE COVERED WITH INSURANCE/ XXXX. THIS IS EFFECTING MY CREDIT, BEING A SINGLE MOTHER OF XXXX, AND DOUBLE COVERED WITH XXXX, THIS BILL NEEDS TO BE WRITTEN OFF
Product: Mortgage

ok I have been with this principle only HELOC line of credit for many years its been paid back several times for XXXX not to my knowledge this was a principle only loan. Well 3 years ago this loan had matured and I was told they wanted the whole XXXX dollars in which I didn't have .for three years I have been sending countless loan modifications to them in which they tell me '' my paperwork is complete and we will get back to you after its been reviewed. " this has been going on and on in which I get a letter two weeks later and they tell me its incomplete again.I have probably sent sent 10 loan modifications in 3 years to them and the same results every time they run me arouind in circles to get this paperwork to them, and when I call them on the phone they tell me yes your paper work is complete just wait again same results. How come nothing is negative on my credit report yet this company will not accept payments from me .And on top of it all I have now recieved XXXX dollars in interest added to my balance? .I have read several negative reviews on the XXXX from them running other people around the same exact way then denying them thier modifcations as well. I am XXXX to these lenders I cant refinance my home to pay them back so I sit with a high interest rate and constantly am worried about wheather thier going to forclose on my home or not
Product: Credit reporting, credit repair services, or other personal consumer reports

3 Rounds of dispute letters have gone to the credit bureaus - XXXX, Experian and XXXX  about the removal of the negative and false information on derogatory accounts being reported on my credit report but I DID NOT GET EVEN A SINGLE RESPONSE from them. These are the accounts I am talking about : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX XXXX I Account Number : XXXX, XXXX XXXX  XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent transunion a dispute letter regarding unverified and inaccurate information on my credit profile via XXXX mail service. Based on my rights as a consumer I wanted to know how did transunion conduct and investigation of this manner and who conducted it. Ive waited 30 days for them to conduct an investigation. I am now recieving a letter on XX/XX/XXXX stating my results of the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found Identity Theft on my credit files. Several accounts that were not mine. Belongs to another XXXX XXXX. Filed police report, FTC report and dispute with XXXX, Equifax and XXXX. Several accounts on each file. This particular complaint is against XXXX. My complaint came back verified by creditor when it plainly states that " a debt collectors words can not be the sole proof of verification of the debt. '' XXXX, XXXX  and Equifax..totally broke the law by doing this and refused to remove these items from my account with no proof other than thier own words. I would like the following items removed from my file my XXXX, Equifax and XXXX  Files. 
Morris Plan Act # XXXX Paid /Closed XXXX XXXX XXXX Act # XXXX Paid/ Closed I would like the following files removed from XXXX  and thier method of verification and who exactly they talked to and when. 
The Following Medical accounts from XXXX XXXX/ XXXX  XXXX All accounts pertaining to XXXX/ XXXX XXXX XXXX XXXX. {$170.00} XX/XX/XXXX. {$230.00} XX/XX/XXXX. {$13000.00} XX/XX/XXXX. {$160.00} XX/XX/XXXX. {$340.00} XX/XX/XXXX. {$85.00} XX/XX/XXXX. {$440.00} XX/XX/XXXX. {$190.00} XX/XX/XXXX. {$67.00} XX/XX/XXXX. {$110.00} XXXX XXXX XXXX. XXXX IL Closed/paid {$1000.00} XX/XX/XXXX Delete not mine Delete XXXX XXXX  XXXX Ohio XXXX XX/XX/XXXX Paid/ Closed. Not Mine Delete The following accounts are fraudulent ane or identity theft on Equifax. 
XXXX  XXXX closed paid # XXXX {$1000.00}. Not my account XX/XX/XXXX XXXX XXXX {$6600.00} closed paid # XXXX Fraud Not my account These are fraudulant accounts and were included in identity theft police reports and FTC reports. I would also like XXXX  and XXXX  to explain the method of verification. Who exactly they talked to that aledgedly verified this identity theft debt and the method of verification. I want these debts " blocked and removed '' immediately and my police and FTC report honored as true.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Checking or savings account

I have 2 accounts with Chime and the bank they represent.

1 standard checking account and 1 secured credit card.

I noticed unauthorized activity on my credit card. I have it in my possession, so someone must have stolen the number. I reported this to Chime and locked my card. This was the first week of XXXX. 

After more than a week with no help, Chime decided to just lock my entire account. I can no longer access it. I can not pay my credit card bill ( which will hurt my credit ). I can not access my bank account. And they even prevent me from seeing any of my statements. So any more charges will be unnoticed. 

Chimes response was for me to send my Driver 's license, pay stubs, taxes, proof of address, SSN card, billing receipt 's, a picture of my holding my cards, and anything else you can think of. They asked for this despite them warning customers not to share this. 

I gave them a picture of my driver 's license. This was enough to me. Since my account with chime was compromised, I feel it would be foolish to essentially send them my entire identity. 

Chime refuses to let me access my account. I would be perfectly fine just paying my bill and transferring my money to another account. But they refuse. They essentially have taken possession of my credit card and my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX XX/XX/XXXX ; U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX