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

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Debt collection

SEEING THESE FRAUD ACCOUNTS ARE GIVING ME A HARD STRESS, PLEASE HELP.
Product: Debt collection

I just saw on XXXX that IC systems is listed as collections for XXXX XXXX This debt is unverified. I have had this issue with the same company before. Last time it took me six years for them to remove it. They keep reporting unverified debt.
Product: Debt collection

I have tried to validate this de bt, 3 se perate times. No one will send me validation of this debt, I tried to call the company  XXXX  Bank that initially held this debt and they said they have nothing on file for me. Neither the credit bureaus nor the creditor has sent me any proof of this account. Not only that, but the initial creditor told me they held no debt for me. I am not getting anything resolved with the credit bureaus nor the creditor and they are violating my rights by not verifying/validating the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised  since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried cancelling a " membership '' with Experian that has been charging me {$21.00} a month since I filed a complaint with cfpb on XX/XX/2018. I have called and cancelled multiple times. I have attempted to talk to a representative but am always turned away. I have reported the membership to my credit card company as a fraudulent one since they will not let me cancel.

I have tried to cancel upwards of 50 times. They provide no help and no easy way to cancel online. Every time I call they say " are you sure you would like to cancel your " free '' membership '' to which I say yes. However, nothing about my membership is free because they continue to charge me.
Product: Credit reporting or other personal consumer reports

I had a collections added to my credit on XX/XX/XXXX by a company called Fair Collections and Out, address XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX. The amount owed was {$1100.00}. I settled the amount for less than owed in XX/XX/XXXX then filed for bankruptcy inXX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. After this, while checking the credit bureaus, I noticed that on my XXXX credit report this collection had not be removed from my credit report at the XXXX credit bureau but had been removed from both XXXX and XXXX. 
I disputed the collection through the XXXX website and got back a response from them saying that the collection was accurate and they did not remove it. I then contacted Fair Collections and Out and asked them to remove it and they refused. When I asked why I was told that they had no reason to remove it. I told them I have filed for Bankruptcy and that it had been discharged in XX/XX/XXXXXX/XX/XXXXbut they still claimed they had a right to report the collections on my credit reports. When I asked why, I was told that it was just the way it was done. 
I then contacted the law firm that I had used to help with my bankruptcy and they told me they were unable to help as they didn't deal with credit agencies. 
I am at a loss for what else I can do, this is negatively affecting my credit report still even though my bankruptcy was discharged.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly.

My PSLF Form was denied because it was missing the authorized official 's signature and/or was an electronic signature. However, all signatures on the form were present and the were an hand-drawn electronic signature, which according to the Department of Education 's website, it is an acceptable signature type. Additionally, when I called, the agent told me that it was because the signatures had to be in blue/black in and handwritten, which is inaccurate. Mohela just continues to consistently provide inaccurate information and making processing errors.

Resolution : I would like my account to be in good standing. I want my qualified payments to be counted correctly and my PSLF applications to be processed correctly as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct  business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported items
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hi, They currently have an address that does not belong to me. Please see attached. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to TransUnion, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. To aid in the verification process, I enclosed copies of my photo ID, social security card, and a recent bill displaying my current address. Despite providing the necessary documentation and following the correct procedure for disputing inaccuracies on my credit report, TransUnion refused to conduct the investigation as requested. Their response, dated XX/XX/XXXX, stated their refusal to investigate the disputed items without providing a valid reason for their decision. Transunion 's response was We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party ''. TransUnion 's refusal to investigate the disputed items on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation upon receiving a dispute. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, USPS certified mail proof of delivery, along with XXXX response as proof.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX someone was trying to take cash advance from my credit card and also applied for a loan in my name with Citi Bank. I called the bank immediately. When I logged into my account everything was pending. The bank cancelled the card and replaced it by a different number. I was assured that everything will drop and would not be processed. For a period of time I could not log into my account. when the new card arrived I had to register all over again and create an account. when I had access to my account I found three cash advances were posted to my account and a cash advance fee charged to the account. When I called the bank they told me they are investigating. 
If I alerted the bank that I was not the one who was taking the cash advance why they did not stop it and why two more were added? Everything was pending nothing was paid yet why they transferred the money to someone's XXXX account? I alerted them it was not me who was doing this. I closed the account but the balance is much higher than it was before XX/XX/XXXX when all this took place. I am only responsible for the balance before XX/XX/XXXX. It also worth mentioning that I have never activated any of the credit cards they sent me since I opened the account two years ago. I simply opened the account because of a promotion they had and I transferred a balance at 0 %. I was only paying off the balance and have never used the card in store or online. the history on the account would prove that. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed items are completely inaccurate and incomplete, and is a very serious error in reporting. Please delete these misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 

Sincerely yours,
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and from third parties. I do not recall giving permission to use my information to a third party for the following accounts : XXXX XXXX XXXX 1, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and the following inquiries XXXX XXXX XXXX XXXX 1 XXXX  XXXX MXXXX XXXX XXXX 2,  TXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Please provide breakdown of fees including any collection costs and charges 2. Provide a copy of my signature with the provider of service to release my information to you. 3. Cease any credit bureau reporting until debt has been validated by me. 4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can be perceived as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
Product: Debt collection

{$1200.00} XX/XX/2023 Hippa violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Ally car loan on XX/XX/XXXX. My next statement in XXXX would have shown XXXX balance so credit report should also reflect XXXX balance but it does not
Product: Credit card or prepaid card

I received a statement from Capital One for a charge on XX/XX/2019 that I did not make. This was while we were on vacation for 10 days from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX, XXXX, in the XXXX. The charge was for {$620.00}. It would have been for dinner, and there would have been a signature. I checked this charge to see what it was for. The company, XXXX, run a restaurant XXXX XXXX XXXX, XXXX. We did not eat there. I have another charge for that same night from a restaurant that we did eat at, invoice attached, at XXXX 's XXXX XXXX for {$210.00}. I called the island to see if XXXX had any other restaurants under another name in their company that we may have eaten dinner at, they do not. I called Capital One to contest this fraudulent charge. They looked into it and said it was not fraudulent solely because it was a chip credit card, that was their only reason. I advised them that all the businesses on this island all still collect signatures for their charges, and to please supply the signature for this fraudulent charge. They declined to request the signature and said I would have to pay it. I paid off my Capital One balance, less this charge and cancelled my account of 30 years with Capital One. I feel that this company is very over confident in the anti fraud properties of the " chipped '' credit card they offer and I am being taken advantage of by Capital One.
Product: Credit card or prepaid card

My prepaid XXXX debit card issued to me by ace check cashing @ XXXX XXXX XXXX XXXX NC XXXX, has been comprimised as of XX/XX/2022. I have had unauthorized charges and or withdrawals taken from this account. I recieve my XXXX directly deposited to this card. My funds were not available to me when i went to make a purchase today [ XX/XX/2022 ] and i was una ble to do so due to lack of funds which is when I became aware that my card/account has been used by an unknown unauthorized user. I proceeded to Ace check cashing located on XXXX XXXX and notified them that my card has some unauthorized charges. After doing so I was issued a temparary card and given a XXXX number to contact. So i called the XXXX number [ XXXX ] the agent answered the phone i explained that my debit card was being used by someone I was not aware was using my card. The agent responded i can help you with that. Then the agent asked me for the information from the temperary card as well as my email adress and phone number to verify my account and identity. I provided the agent with this information at which time the agent responded that they begin to rectify the problem and after a brief message I would recieve a confirmation number and they would be in touch. So i waited for the confirmation number aproximately XXXX seconds and the line went dead. When I called back to inform the agent that I did not recieve a confirmation number prior to the call being disconnected a diffrent agent aswered the phone and told me that this line was for retreving coupons and dicounts at grocery store chains. I replied i just called this number and informed the agent that my debit card was comprimised and he proceeded to tell me that he was able help me in addition to collecting my card information. This new agent replied once again that this is a couponing agency and proceeded to give me a new number [ XXXX ]. After calling this number and recieving a number not in service message I called the original XXXX number I was given [ XXXX ] again and was again told that this was a coupon hotline. So i asked the agent why did they both agree that they could rectify my issued with my card and collect my card information. The agent responded I dont know sir I was not the agent who answered that call. Then he once again went into his sales pitch for the coupons at this time I ended the call. Then I googled who to contact for debit card fraud and I was given the XXXX number. I called both on the weekend and after office hours so I was refered to this website and I began to submit my complaint. I would like to also note that this XXXX number that is a coupon line is also the reference number displayed on the back of the debit card I was issued by ace check cashing of XXXX XXXX. [ XXXX ] The total amount of finanance I lost is XXXX $ over the course of this month through unauthorized charges.