23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dates: Ongoing fraud since or about 3 1/2 years since FYXX/XX/XXXX to present XX/XX/XXXX. Account take over by company other 3rd party, & lowered credit transactions today XX/XX/XXXX without notification on reason & why the card was lowered.Specific issues: 1. Credit card taken over by 3rd party.2. Fraud on the card.3. Not allowed to access statements at all for 3 1/2 years.4. Failure to produce bank statements, resulting in late fees access due to not having the correct balance or payment amount per month for 3 1/2 years.5. Notification is rerouted to a 3rd party for 3 1/2 years to the so called "security department failing to explain each time why the call is rerouted to the so called "security department."8. I didn't received advertised interest rate & was not sent. 9.Trouble using your card (making purchases, credit limit reduced for no explained reason 10. Problem with a purchases never receive billing statement even though requested weeks ago, yet I am required to pay no matter what and I am going to stop payments after 3 1/2 years.. (billing dispute, fraud, transaction issue) 13. Problem when making payments 14. Problems with the terms & condition & lowered credit amount. 15. Problems with credit privacy issues someone has taken over the card from the best of my knowledge. 16. Problem with credit report or credit score for the above reasons.
Product: Student loan

I called my servicer, Edfinancial on XXXX, and XX/XX/17. I requested a refund for my full loan balance paid during the payment pause. No timeline was made available and I have received no confirmation that the process has even been initiated per my request. 

The first time I called, the estimated timeline for refund was weeks. The second time I called, the estimated timeline was 5-6 months for a typical refund. The rep also said that the request hadnt officially been initiated. 

Im concerned that they have not started the process and that edfinancial can provide no further details. As I research, I am also concerned that other services are providing refunds at expedited speeds, while Edfinancial is unable to provide a simple update on timeline.
Product: Credit reporting or other personal consumer reports

I would like to request Monetary Relief via CFPB due to account listed below was deleted from my XXXX Credit Report and then ILLEGALLY REINSERTED after it was deleted on XX/XX/XXXX. I received no 5 day notice as required under the FCRA. 

Account : SYNCB/Car Care Pep Boys XXXX According to XXXX Report # XXXX Date Generated XX/XX/XXXX this account was deleted. ( See Screenshot Attached ) However, it is reporting on my XXXX credit report today XX/XX/XXXX. 
This account has been illlegally REINSERTED.
Product: Debt collection

Diversified consultants continues to report an inaccurate debt, despite numerous letters requesting the validity of the paid off amount. Instead Diversified consultants continues to send me a bill from the orginal creditor ( sprint ) that has an amount due, but never shows how the amount is accumulated, because it is inaccurate. Not only was this account paid off by me but I transferred liability of the account to the person who still has it as of today.
Product: Vehicle loan or lease

A XXXX XXXX XXXX vehicle I financed with Santander USA was wrongfully towed by the XXXX county police impound during the COVID-19 lockdown on XX/XX/XXXX, due to expired tags. And Santander USA failed to regain possession of the vehicle from the impound before the Police Auction date of XX/XX/XXXX that was provided to them weeks in advance. The vehicle was auction off at {$15000.00} way less than the {$20000.00} market value, which leaves me liable for a large portion of the remaining loan balance because they failed to pick up the vehicle in due time even though they were advised to. And now Im left to pay for a vehicle I no longer have possession of because they fail to regain possession of it.
Product: Credit reporting or other personal consumer reports

Inquiries accordance with the Fair Credit Reporting act, the list of accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my federally protected consumer, rights to privacy and confidentiality under 15 USC 1681- The accounts below have violated my rights.

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

15 U.S.C 1881 Section 604 A Section 2 : It also states a consumer reporting agency, can not furnish, a account without my written instructions.

P15 U.S. 1681g. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

Delete the accounts below :
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is up too date, all payments have been made, and I have bank records too indicate as such. 

Missed payments on my credit report is unacceptable and will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Equifax added an unknown collection account to my credit report. This account tanked my credit score XXXX points. The account shows as a paid collections account. Prior to XX/XX/XXXX there was no collection on my credit report. Ive been in contact with the original collectors and explained to them the account was opened fraudulently using my personal information. 
Collection agency XXXX XXXX Original balance {$100.00} Status Paid Account number XXXX Agency number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date assigned XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX, XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am absolutely shocked and frustrated by this situation. As a law-abiding citizen, it is beyond insulting to have my rights as a consumer so blatantly violated. My credit report contains fraudulent items that I have never benefited from, and despite taking the proper steps by reporting this to the Federal Trade Commission, these false accounts remain. This ongoing issue is causing me overwhelming stress and XXXX, and it is unacceptable that I continue to suffer the consequences of someone elses wrongdoing.
Product: Credit card or prepaid card

Last XXXX, 2020 Fifth Third Bank agreed to remove a charge of {$990.00} from my account and sent me a new credit card because someone on XXXX had purchased a Virtual Reality Headset on my credit card. It was not me. My husband wanted to make a purchase on XXXX and put in our new credit card number. They proceeded in XXXX, 2020 to put the charge of {$990.00} on my new card. 

I have been fighting with Fifth Third since then to get this charge removed. For some reason, I did receive this unit from XXXX / XXXX XXXX. At the instruction of Fifth Third Bank, I returned the unit to XXXX XXXX and have proof of the return being sent and received by them. 

XXXX did send me a letter indicating my account was compromised and assured me they changed the account back to my information. I sent XXXX XXXX a copy of this letter. I called XXXX XXXX on the XXXX of XXXX. They won't let me talk to the investigators. They said the account had been closed due to time passed. 

So what? the money is now accruing interest and I refuse to pay this bill, I sent back the unit and XXXX XXXX has done nothing!!! 

I have since closed my account with XXXX and do NOT use the paypal account associated with it. As soon as I figure out how, I will close that too. 

I need help! 

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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Debt Collector : XXXX XXXX is reporting invalidated information on my Transunion Credit report. Debt collector is still showing invalidated information on consumers credit report which is In violation of FDCPA, Debt collector has been notified via debt validation letter that reporting inaccurate/invalidated information on consumer credit report while debt is being disputed can be constituted as fraud and disparagement of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2018, XX/XX/2018 and XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was unable to pay secured credit card monthly fees. Account was closed by creditor. Creditor used the {$500.00} deposit I made to pay off the existing balance on the credit card, however, the creditor is now saying there is {$110.00} ADDITIONAL balance owed and is marking as negative/charged off on credit report. I am disputing the validity of this extra {$110.00}.
Product: Credit card

Paypal says that I owe them {$15.00}. I have no knowledge of this debt I called on the phone and did not get any response.
Product: Mortgage

My name is   XXXX   XXXX   and I had a loan with HSBC Mortgage Services which was recently sold to   XXXX   XXXX  , I was in a  XXXX  BK from  XX/XX/XXXX  to  XX/XX/XXXX , which I completed my  XXXX  and was discharged by the courts.
I this year applied for a Refinance thru the HARP program in  XX/XX/XXXX   a nd was approved pending all documents submitted per request of  XXXX  and I have submitted every document that was needed except for the 24 month payment history I needed from HSBC mortgage, I have called, faxed and repetitively requested a complete 24mo pay history and in the 7 responses I have received there is always 6 mos not reflecting as part of my pay history but reflects 6 mos deferred to the back of the loan without any reasonable explanation as to why or how it is showing that. I have requested that a letter of explanation please be forwarded me in detail the reason it reflects 6mos deferred and why there is a gap not reflected on my payment history ... ... in my  XXXX  XXXX  pay schedule I pad arrears in the amount of {$1400.00} paid in at 100 % thru my BK to HSBC so I 'm confused as why there would be a need to defer 6 payments to back of loan if I paid my arrears and I was never late during my  XXXX  XXXX  period.
I need some help on figuring this out.... .PLEAS
Product: Debt collection

XXXX and eqafax keeps putting debts that were removed already back on my credit
Product: Credit reporting or other personal consumer reports

This complaint is for the CFPBs records. I am ensuring compliance regarding the issues I am currently experiencing. I have disputed to no avail regarding inaccurately reported accounts bearing the same issues I had originally disputed. I believe the furnishing is failing to update EQUIFAX with the correct information causing the accounts to be persistently unresolved. The accounts in question have already been disputed with no changes. The accounts still remain unresolved in my consumer reports.
Product: Debt collection

Cascade Capital Funding , LLC incorrectly reported an account to my credit report. Also, they shared my personal information to third parties without my consent. 

Cascade Capital Funding , LLC shared my information with XXXX XXXX XXXX XXXX XXXX. When I tried to identify/investigate the account/account number that was provided by XXXX XXXX and was listed on my credit report - XXXX XXXX XXXX COULD NOT IDENTIFY/VERIFY NOR CONFIRM THE DEBT. Therefore, XXXX XXXX XXXX XXXX XXXX sent me a physical letter in the mail ( will be uploaded in this report/complaint ) in which stated that the account was closed and deleted. This was XX/XX/XXXX. 

Fast forward to XX/XX/XXXX, there is an alert from XXXX saying that XXXX XXXX XXXX reported a debt collection account, which is the same account that XXXX XXXX XXXX said would be deleted and removed from my report. 

My consumer rights have been violated. This debt was not verified and was removed from my report and then added again. My information was sold/shared with a third-party without my consent. I did not receive notice of right to dispute. An investigation did not occur prior to this account being added to my credit report. And when I called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX via telephone number XXXX, they informed me that they were now XXXX XXXX XXXX. Again - my personal information was shared with third-parties without my knowledge.
Product: Credit reporting or other personal consumer reports

I have been fighting to remove the fraudulent information from my credit report since XX/XX/XXXX, but my efforts have been in vain. Despite reaching out to Experian multiple times by mail, phone, and through their website, I have been ignored and given the runaround at every turn. 

To make matters worse, Experian recently provided me with an update on report # XXXX, which contained false and fake feedback on a medical loan that is undoubtedly fraudulent. Their exact response was, " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I am baffled as to who is certifying the information as accurate when it is clearly fraudulent. 

I have provided Experian with a police report and an identity theft report that have been notarized under oath, but they continue to ignore me. Originally, there were two fraudulent loans on my report, and they only removed one of them. Experian has already acknowledged that the loans reporting are fraudulent, so why are they refusing to remove it from my report? 

Below are all of the dates that I have contacted Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have reviewed my credit report and found that there was an unauthorized inquiry on my report from XXXX. I contacted XXXX and the advised there was nothing they could not about the issue. Inquiry Date listed is XX/XX/2019 I did not request services with XXXX XXXX and I would like to have this inquiry removed from my credit report.
Product: Debt collection

I asked the man to stop calling my daughter about my bill. He told me to learn pay my bills. I asked for letter he said no. When I asked if my daughters number was off my account he said again start paying my bills. He said if I didnt give him credit card on file he would give my account to lawyer and they will garnish my wages and he wouldnt tell me if he took my daughters number off bc they were calling her giving her information The total bill was {$3100.00} the balance I owe is {$1900.00} plus at that time I had to find new place live.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a recent copy of my credit I came to the realization I have become a victim of identity theft. I recently have submitted ( Identity theft report number # XXXX XXXX which included accounts XXXX. XXXX # XXXX, XXXX. XXXX XXXX # XXXX, XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX # XXXX. I have reached out to all major consumer reporting agencies including Transunion, XXXX   and XXXX. It has been over 30 days and as per the Fair Credit Reporting Act these fraudulent accounts must be deleted without 100 % accurate verification. Transunion has violated my consumer rights and the FCRA per section 605b, 609, 611. The fraudulent accounts still remain reporting on my credit file and is a clear violation. I have completed and submitted 2 identity theft reports and Transunion has failed to provide any documentation obligating my to the fraudulent accounts. I have no recollection nor recall opening or establishing any of these accounts listed above.
Product: Credit card or prepaid card

XX/XX/2020 Nine charges for {$2.00} each by a merchant Cash App*.  {$18.00} total. 
I do not use Cash App or any service like it. I have only had this benefit prepaid card for a few weeks. I can not dispute these types of things because it is a prepaid card. No one has had access to this card.
Product: Consumer Loan

I checked my credit report only to find out that my identity was stolen XXXX auto loans from Exeter finance and XXXX and a loan from XXXX bank. I contacted each XXXX of these places and made them aware that these accounts was fraudulent opened in my name. I made a police report and submitted to each company and all XXXX credit bureaus and it 's been well over 30days and I have not received a response
Product: Money transfer, virtual currency, or money service

I am filing a complaint at Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take 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 under the Electronic Fund Transfer Act ( EFTA ) 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C 1681 section 604A section2 : it also states a consumer reporting agency can not fernish a account without my written letter of instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section states : No consumer agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not fernish any information relating to a consumer to any credit 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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX