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

-- INCORRECT PERSONAL INFORMATION -- THIS COMPLAINT IS DONE BY THE CONSUMER -- 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT -- ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

-- ( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

-- ( 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 instructions of the consumer to whom it relates.

-- 15 U.S CODE 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies- ( A ) reporting information with actual knowledge of errors.

-- 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.

-- They do not have my permission to report on my consumer credit report.

-- I Demand it to be removed and every violation of unauthorized information on my report is a {$1000.00} fine ( U.S.C 1681n- Civil liability for willful noncompliance ) -- letters have been sent certified mail and return receipts have been received by me.

( 15 U.S CODE 1681s-2 ) And it is a violation to report something that you have knowledge of being disputed and may be inaccurate.

-- The following addresses, phone numbers, names and employers are inaccurate information, it is not mine, it is fraudulent to continue to report and my permission has not been given orally, in writing, or electronically to report this collection on my consumer report and the consumer reporting agency knows or has reasonable cause to believe that the information is inaccurate, and I demand it to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following name, address, phone number and employer is correct and should be reported : -- XXXX XXXX XXXX 
-- XXXX XXXX XXXX XXXX, PA XXXX. 
-- ( XXXX ) XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good afternoon, I previously had an account of mine compromised. I filed a dispute and was told they would look into it. I get an email 5 min later stating I won 3 of cases but lost the rest. Did I mention the ones lost were all over {$100.00} and in another state within the same 5 mile radius of the other purchases they claimed I won. This place has been doing a lot of shady stuff, especially claiming to investigate a fraud claim in 5 min is just ridiculous, but now theyre saying I cant appeal the dispute and wont give me any written information on why my disputes were denied. This bank is shady and I want to file a civil suit against them. Please let me know if I have a case. My main issue is the investigations arent really investigated and how do you deny a claim that you awarded me when the store was right up the street in a whole different state.
Product: Student loan

There are too many dates to list that they have delayed/rejected/improperly handled turning in and approving my IDR request, most recently NOW. A year ago they did the same thing. Everything, including bank statement and pay stubs and request, is rejected without reasons. Every time this happens I am in deferment and, of course, this eats away at time I may need later on in time of true need. I also have issues lowering my payment. My household is paying mine and my husbands loan off and we literally live paycheck to paycheck. Calling is no help ... they don't even understand what I am saying and have no answers. Last year I couldn't even get it straightened out, to the point of taking almost the entire year till I had to recert again. My doctor is saying t hat after analysis of my life style that the greatest stress IS my student loans and the inability to get assistance. PLEASE help me! I have no idea what to do. I am at the point of looking for a class action lawsuit so that I can get some relief!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXXand as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is still regarding the previous case with XXXX XXXX XXXX with CASE # XXXX-XXXX. 
They called and promised they will correct the wrong information placed on my Experian credit profile, and correct the late payments, and the " paid, closed, {$1800.00} written off " placed on my credit Profile. Since this was not part of the loan, but erroneous insurance charges of {$1100.00} that caused the problems and overcharges by them, as a way of delaying the loan. 
I have all the insurance at that time and provided to them, while they promised to resolved it and credit me. They are supposed to refund my credit as they promised earlier, but they refused crediting me, and insisted they will correct their mistake on the credit report placed on my account but will not pay credit me.I refused to accept their offer. I have not heard from them since XX/XX/2019. my credit profile has not been corrected, my credit for insurance has not been paid. I need this issue resolved or will file for damages against them. 
This was fully paid with XXXX balance.Needing my credit from them.
Product: Debt collection

On XX/XX/XXXX I was shopping at XXXX XXXX XXXX On XXXX XXXX XXXX XXXX XXXX New York, NY, XXXX. I was shopping for my daughter and when I got to the cashier I was offered a {$10.00} discount for being a member ( at XXXX ). I paid Cash but the cashier asked for my card number in order to give me the sale. I told the cashier I was paying cash and she indicated that it was just to give me the bonus that she needed the card information. I paid the balance of {$21.00} cash and left the store. I recently found out that the card was charged during that transaction. I called the company and explained what happened. I have my receipt from that day but it does not indicate my payment method I asked them to review the video surveillance from that day where they can see me hand the cashier the cash for my goods. Ultimately I called XXXX and they have begun an investigation I am worried that this would impact my credit and now my {$21.00} transaction which I paid has grown to {$85.00} dollars with fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$7500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I received a settlement letter in XXXX 2015 for {$2200.00}. I have made all the payments and Navient sent my account to a collection agency for the full balance even though I made all settlement payments. I paid off the settlement early and have attached copies of the money order receipts. 

The last I heard from Navient was on XXXX XXXX, when they told me that my payment had been applied to a different account, that they had fixed it, and that I would be receiving a settlement in full letter shortly. Instead, I received a collection letter for XXXX XXXX for the full balance with no mention of my settlement or the settlement payments I made.
Product: Money transfer, virtual currency, or money service

So over a year ago I was told by the IRS that I had my tax refund going into a certain account they gave me the routing number they gave me the account number and they also gave me the phone number to American serve OK Ive called them repeatedly about at least over XXXX times to get this settled in XXXX the IRS contacted American serve sent them a letter of XXXX and I still havent received my funds I was told by American serve within XXXX days after the letter of XXXX that the funds will be sent back to the IRS and the IRS will
Product: Credit card or prepaid card

To Whom it may concern, DISCOVER XXXX XXXX XXXX XXXX Discover Card is refusing to honor my remittance slip as tender of payment and adjust the balance on my account. 
I made the payment in accordance to UCC article 13, 15 USC 1602 ( l ) 18 USC 8, UCC 3-603, UCC 3-311 . See attached electronic return receipt.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a payment to Kohls Department Store through their website. This would have paid off my balance in full. I received a confirmation email stating the funds would be  processed on XX/XX/XXXX. About XX/XX/XXXX, I received through the U.S. mail a statement that my account was paid in full, and I owed XXXX funds. Soon after that, I started to receive phone calls morning, noon, and night, and on weekends from Kohls telling me that I still owed money on the account. I informed them that I received TWO pieces of confirmation that the account was paid in full, and that as by law, those were legally binding acknowledgments. They continued to call me and say that neither confirmation was valid proof of payment, even though they had come from their payment  center. As of today, Monday, XX/XX/XXXX, I have contacted Kohls again, requesting that they stop the excessive amount of phone calls, and that they finally get their accounting corrected to reflect that I have a XXXX  balance. After they agreed to stop the calls, I received another one. Then they refused to update my account, and insisted that I had NOT paid them and I still owed them money. After going back and forth on how statements, both electronic and paper are proof of payment, they denied this, and said those statements were not proof of anything. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX INQUIRES : XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On X/XX/2017 I made a camping reservation @ XXXX XXXX XXXX XXXX, XXXX XXXX, Connecticut. I was charged twice for the one reservation in the amount of {$240.00}. I have filled out the paperwork and sent it in in XX/XX/XXXX 2017. When I call or send email to Comenity Capital Bank, they never give me an answer to the status of my dispute.
Product: Credit reporting or other personal consumer reports

This creditor has violated my rights causing me to be denied for housing. I have the right to privacy. A consumer reporting agencies can not furnish an account without my written instuctions. A creditor may not treat a payment on a credit account under a open end consumer plan as late for ANY PURPOSE. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Somebody stole my identity and has been using my information to open credit cards and get loans for cars and personal consumer loans I put a credit freeze with all three credit bureaus and somehow this person has already made an account with XXXX so I dont know if they lifted the freeze with XXXX but I cant access XXXX obviously because this person already has an account with them and our information doesnt match so XXXX  doesnt let me access account online nor do they give me access over the phone
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2021 Transunion LLC is submitting false information to XXXX XXXX. 

I stopped using my XXXX 's charge card because every time I used it, Transunion Reported to XXXX XXXX, my account was not paid on time, on the same day the charge to the XXXX 's card was transacted. 

XXXX reports wild information like my loan in creased by XXXX when no loans have been taken out or decreased by XXXX for who know why. 

This month Transunion is reporting to XXXX XXXX a XXXX account was closed, which I haven't had a XXXX account for 30 years. 

Transunion also reported in XXXX of 2021 by student loan payment wasn't made which was also false. 

Every month this happens I report the misinformation to Transunion and the credit report is fixed. 

This month Transunion lowered my credit score XXXX points because XXXX reported a XXXX decrease in student loan debt, who knows why, and someone reported to Transunion a XXXX account was closed, and like I stated above, I haven't had a XXXX account for 30 years and closed then Why did my score go down with these actions? If the reporting was factual my score would have gone up! 

Is Transunion LLC owned by XXXX BANK XXXX XXXX XXXX XXXX XXXX? 

Who owns Transunion LLC? 

How can I stop the fraudulent reporting by Transunion LLC and XXXX XXXX? 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I went on XXXX to purchase tickets for a concert. While I understand that it is recommended to go through certified ticket re-sellers, I proceeded to go this route because I had done it in the past from this group that I trusted. Regardless, I proceeded to message someone on the XXXX XXXX app for the tickets. The person then told me the cost and asked for me to Zelle or XXXX XXXX the funds ( {$250.00} ). I requested that the user send me the tickets first ( which he did ). Once I saw them in my email I did confirm that they were good I sent the money. The user then proceeded to ask me for another {$50.00} because his wife had paid {$300.00} for them and they would be losing money. After much back and forth I opted to eventually send the {$50.00}, but then I checked the tickets and there was a password lock on them. I then asked the user to please provide the password which they never did and they eventually blocked me after several further attempts. The user mentioned that they did not receive the I XXXX due to a bank network error and said they would send it back if it was a duplicate. They never did and took all of my money.I I contacted my bank " XXXX '' which did absolutely nothing to request any additional information. Zelle also did nothing except point me to my bank. I would like to file a complaint about this issue
Product: Debt collection

I settled this debt back in XX/XX/2012 and now another company is attempting to collect on this debt. Threatening to sue me and take me to court. I contacted Convergent and they confirmed verbally this debt was settled and closed. But will not provide me documentation stating the debt has been settled and closed.
Product: Credit reporting or other personal consumer reports

Verification Issues : According to the FCRA, credit reporting agencies are required to ensure that information on a credit report is accurate and complete. The specific provision is 15 U.S.C. 1681i ( a ), which mandates that when a consumer disputes the accuracy of information, the credit reporting agency must investigate the dispute and verify the accuracy of the information. 
Despite disputing the information with XXXX XXXX on XXXX, the bankruptcy report has not been corrected. The agency has failed to provide clear documentation or evidence of how the bankruptcy information was verified, which is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) that requires reasonable procedures to ensure the accuracy of information. 

US BKPT CT FL XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, Experian and XXXX do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for XXXX and Experian, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.
Product: Debt collection

Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX Bank about erroneous charges on this account. It was agreed by XXXX Bank that through settlement this account would be deleted from my credit report. XXXX, XXXX, and Experian have not only failed to verify the accuracy of this account but also failed to remove it from my credit report. 

The account number listed on my credit report is : XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

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

I had loans carried now by navient and i have been XXXX and XXXX XXXX for 5 years and was given student loan forgiveness and these people still have not closed the loans and still 6 years later are showing up as 5 years late fees forbearance s destroying the rest of my life.