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

I have unrecognized addresses on my credit report the I need off asap. I was a victim of fraud and someone was using name for credit card apps and got a card and other items in my name as a result of these addresses on my file that do not belong to me. please delete permanently from my file the following : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX please remove the following phone numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Checking or savings account

Submitted dispute for XXXX charge that occurred on XX/XX/20 - sent them the text and chat response from XXXX with XXXX admitting they didn't deliver the items. The request more information on XX/XX/20, I resent the items, screenshots, and letter, and on XX/XX/20 they closed the claim stating I never responded even though I have a fax confirmation from XXXX and resent the letters via regular mail twice. I have now been charged overdraft fees, missed time from work, and still don't have a credit to my account. I advised them I would file a smalls claims suit if no response is received in 30 days ( +5 for mailing ).
Product: Debt collection

Called me before XXXX and contacted my employer and left a voicemail.
Product: Prepaid card

Amex gift cards don't work. I tried several places. I even tried to put it on my bill and nothing work. I called and you don't get a I've rep. I read so many ppl are having this problem. I have a {$100.00} giftcard just wasted.
Product: Mortgage

Complaint on XXXX XXXX for unauthorized pulling of my credit SHE HS LIED SO MUCH ITS UNCALLED FOR! 
Sections XXXX, and XXXX Any person knowingly and willfully obtains a consumer report under false pretenses can face criminal prosecution Section XXXX. 
I have sent paper over and over I have complained over and over to this lady and I have filled complaints over and over with all credit companies and with chase I have never applied with your company for an mortgage on XXXX XXXX, XXXX and n soft pull was done on XXXX XXXX, XXXX also an Hard Pull was done on XXXX XXXX, XXXX I have request the applications and was told to fill out these papers and it will be removed I have complained to XXXX, Consumer Credit and still this lady XXXX XXXX has lied over and over I DEMAND THESE INQUIRES BE REMOVED FROM ALL OF MY CREDIT FILES ASAP I HAVE FILLED THE LAWSUIT TO SUE YOU AND I WILL BE ASKING THAT ALL MY OUT OF POCKETS LOST MY LAWYER FEES AND OTHER DAMAGES THAT THESE HARD PULLS HAS CAUSED ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX XXXX a ) ( XXXX ) ( A ), the XXXX credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from XXXX, XXXX, and Experian what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, Experian, nor XXXX have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. I informed all three XXXX credit bureaus that The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? Experian, XXXX, or XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ). Furthermore they have failed to provide the method of verification as required under XXXX XXXX XXXX a ) ( XXXX ). Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA All XXXX credit bureaus are required to promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

This is not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Your response to my dispute is unacceptable and a blatant attempt to stall the investigation process, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). I sent my dispute on XX/XX/XXXX, via certified mail, for the following accounts, reported by XXXX ending # XXXX, XXXX XXXX, XXXX XXXX, and XXXX  I included all required documentation to verify my identity : 1. A copy of my drivers license, 2. Proof of my current address via a utility bill, and 3. A copy of my Social Security card. 

Despite this, you updated my dispute status to complete as of XX/XX/XXXX, and I was never notified of the results, nor can I view them online, nor was I provided the method of verification as requested! You are now improperly requesting the same information again. This is clearly an effort to delay the investigation beyond the 30-day period required by law. Let me remind you that under the FCRA, you are obligated to complete your investigation and correct or remove inaccurate or unverifiable information within 30 days. You have failed to meet this deadline, and your inaction is a violation of federal law. 

As the investigation deadline has passed, I demand the immediate removal of the disputed accounts from my credit file. Should you fail to comply, I will take the following actions without further notice : 1. File a formal complaint with the Attorney Generals Office for your noncompliance, and 2. Pursue legal action to enforce my rights under the FCRA, including seeking damages for your failure to investigate my dispute in a timely manner. 

Your tactics to delay resolution are not only illegal but also disrespectful to me as a consumer. I expect immediate action and written confirmation that the disputed accounts have been removed. 

This is your final opportunity to comply with your legal obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit XXXX did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX XXXX Inquiry Date XXXX. XXXX, 2020
Product: Debt collection

I paid a collection off on XX/XX/2021 for XXXX in the agreement if I paid in full I would receive an email stating I paid as well as get it off my report from reliant energy collection. I never received anything after calling again was given a confirmation number that was for someone else account. Was then told again I would recieved a verification that debit was paid and still nothing
Product: Checking or savings account

On XX/XX/XXXX 3 fraudulent charges were made {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After contacting Chase Bank claims department They credited my account on XX/XX/XXXX however I checked my account on XX/XX/XXXX and saw that Chase reversed the credits on XX/XX/XXXX. I contacted Chase, spoke to an XXXX and she said that the claims department reversed the credits because they did not find any proof of fraud. XXXX told me I would have to get a letter from my employer stating I was present at work that day since the transactions appear to have happened via XXXX at XXXX. I since then I have deleted my XXXX  account. I am very upset that Chase is denying these credits, I work hard for every dollar I earn and did not make these purchases.
Product: Credit card or prepaid card

Citibank closed 3 of my credit cards onXX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This complaint is regarding my Citi Double cash. 

I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My CitDouble cash also had about U {$30.00} dollars in cash back that they say ill not get it since my account was closed. 

They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.
Product: Credit reporting or other personal consumer reports

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

looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I received an e-mail from TransUnion stating my credit monitoring product, that I have had with TransUnion for almost 15 years, had been cancelled. I immediately phoned TransUnion and told them that there must have been some mistake because I NEVER cancelled my product and my payment method was still valid. The TU representative told me there was nothing that could be done and I would have to subscribe again when the credit monitoring actually cancelled effective on my XX/XX/XXXX billing date. Upon re-subscription, I was told, my new price would be {$29.00} and not the {$14.00} I currently paid. 

On XX/XX/XXXX I again phoned TU and spoke to a manager. I was told there was nothing they could do to reverse the erroneous  cancellation. I would have to re-subscribe at the then current rate which would likely be much higher as I would be considered a new subscriber and not grandfathered into my old rate for long-time customers. 

After my product was actually cancelled on XX/XX/XXXX and until today I have tried to re-subscribe and TU refuses to allow me to subscribe to their credit monitoring product. I continually get asked for a " Gift Card Code '' which does not and has never existed. Without a gift card code, the system will not let my subscription application process. 

I have since tried to reach TU by telephone, but no matter what time I call they have a recording stating that their offices and customer service is closed.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent account on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This is my follow up and I am submitting this complaint myself and there is no third party involved. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct them from my personal credit file : XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$20000.00} ; XXXX XXXX Balance : {$210.00}.
Product: Debt collection

I rented a rental from XXXX and I was sideswiped by another person and they have this debt in my name and is not pursuing the actual person they should be pursuing which is all state the other parties insurance who hit me. State farm my insurance and myself have reached out numerous of times to get this situation eradicated and yet to no aval has the issue been handled the pictures from the accident state clear as day I was side swiped not I hit anyone so therefore they need to go after the person who damaged their vehicle not me. I had insurance and should not be liable for a accident I was the victim in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Following up with my earlier complaint with SageStream I did exactly as they said and provided my identity and that being a month ago I still don't have a copy of my report. I called and stated that ; " I better have a copy in the mail by the end of the week or another complaint will be filed and possibly I will contact an attorney. '' Have not received a call back nor my credit report as I have asked for.
Product: Debt collection

I have a timeshare membership through XXXX XXXX. They sent my maintenance fee bill to an address not used in 15 years, although having my correct address on file. 

It was then sent to Monterey Financial Services to collect on the debt. I received no notification in writing that this money was due or in collections from XXXX or Monterey Financial Services. 
I did receive an email and I quickly followed up with a phone call to XXXX XXXX - XXXX, ext XXXX. No answer. I left him a voicemail asking what this was about and asked for a call back. I never received one call back from them. 

In XXXX of XXXX I called Monterey Financial back and spoke to a general call center rep who took my payment, along with late fees for the amount of {$730.00} for account XXXX. To date ( XX/XX/XXXX ) I still have not received proof of payment/receipt via mail or email. I have called and emailed Monterey Financial with no response. 

My credit has been negatively impacted, showing a collections although the amount has been paid, and furthermore, my over 20 year old membership with XXXX is still " on hold '', and has not received my payment from Monterey Financial. I have paid but it is not reflected in my credit nor with XXXX. 
Please help. Thank you. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CKS financial closed the account and sold it back to original creditor. Please remove from my credit file.

See attached letter from CKS
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 practice which violate the customer financial protection act. Specifically cash app failed to take time 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 under the electronic fund, transfer egg and regulation E these actions have caused significant inconvenient and financial loss And I see appropriate redress for these violations
Product: Credit card or prepaid card

I was not aware of ever having an account with XXXX or with XXXX. I was the victim of identify theft and these are not my debts. I AM currently paying for and responsible for an account with XXXX ( via Comenity Bank ), and have set up a payment plan to pay that closed debt off over the next five years. These other two account are not mine- I have received nothing in the mail ( bills, statements, etc. ).
Product: Student loan

Between XX/XX/XXXX and XX/XX/XXXX I attended The XXXX XXXX of XXXX. During that time I was pulled out of class and told by the financial aid department that I had to sign a document to continue getting federal financial aid. If I didn't sign the document I would be disenrolled and my student loans would come due. This was absolutely terrifying for me. They made it seem as though I had not filled out all my paperwork properly and that I needed to sign asap to rectify the situation. As an XXXX XXXX XXXX I didn't think anything of it. I was still living at home with my parents and didn't have any experience with loans or credit. When I graduated I tried to find a job in my field and quickly learned that my degree was useless and I'd essentially dedicated XXXX years of my life to a scam. I also found out that not all my loans were with the federal government. When I looked into my loans I was then informed that I had over $ XXXX in private loans. Today those loans are over $ XXXX and I've been paying on them for XXXX years. Originally Navient told me to put them in forbearance which I did. After that I was told the only option was to make principal only payments. Today they are refinanced through XXXX XXXX which I'm not sure helped or if that was a way to get them out of their original form to avoid any sort of relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a letter on XXXX XXXX about inaccurate and unverified information on my consumer credit report. I've sent out follow up letters on XX/XX/2023 to get an update and i have yet to receive a response to either my initial or secondary letters. It has been well over thirty days and i feel that i am being ignored. It is Consumer law that failing to investigate these issues within a thirty day timeframe is cause to have those items removed from my consumer report immediately. It has been forty days and they should be removed immediately or i will file for ligation to compensate me fore the troubles and stress this has caused. Not to mention the several data breaches with Equifax and XXXX.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Student loan

Mohela XXXX months, years of my paid-ahead due dates. 

During my XXXX period ( through XXXX, XXXX ) I " paid ahead '' many loans by several months, even several years for most loans. Now, Mohela has wiped out those paid-ahead months and years. 

For example ( see attached for XXXX and Mohela loan detail ) : XXXX XXXX XXXX ( Mohela XXXX XXXX ) XXXX Paid-up Until : XXXX, XXXX Mohela Next Payment Due : XXXX, XXXX ( just a couple weeks from now ) XXXX XXXX XXXX  ( Mohela XXXX XXXX ) XXXX Paid-up Until : XXXX, XXXX Mohela Next Payment Due : XXXX, XXXX XXXX XXXX XXXX ( Mohela XXXX XXXX ) XXXX Paid-up Until : XXXX, XXXX Mohela Next Payment Due : XXXX, XXXX Result : Loan payments that should have been months or years in the future now WRONGFULLY due in a few weeks. 
If a bank pulled a felony like this, i.e., erasing or ignoring loan payment due dates, that bank would lose their charter.