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

in accordance with the Fair Credit Reporting Act The list of Accounts below have Violated my Federal Protected Consumer Rights to Privacy and Confidentiality under 15 u.s.c.1681 Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A States i have the rights 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 instruction 15 U.S.C. 1681 ( 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 ) ( 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

XXXX  XXXX XXXX XXXX VIA XXXX  " XX/XX/XXXX/ XXXXXXXX " XXXX XXXX XXXX XXXX XXXX CA XXXX " XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX XXXX and Transunion, I am writing to dispute the following information that appears on my XXXX  consumer report : Dispute 1 " XXXX   XXXX XXXX/XXXX Reporting 4 times 2 of them are duplicates.

" Student Loan " XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX shows late payments, this is inaccurate. I am in deferment and I have the contract renewal from that year showing I was not late. The laon company made an error and provided me proof I was not at fault for this The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time.

I understand that under 15 U.S.C. Sec. 168i ( a ), you must complete the investigation within 30 days of this receipt of this request. Please send an updated copy of my credit report to the address above. I also request corrections be sent to any creditors who received my report in the last 6 months. Please also be aware that any negative mark found on my credit reports including XX/XX/XXXX from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must delete the entry.

Thank you for your assistance.

Sincerely, XXXX   XXXX
Product: Debt collection

XXXX XXXX XXXX  reached out to me due to accounts taken in someones name similar to mine. The last 4 of SSN on this account does not match my SSN. The address used for the accounts also dont match what I had on my report. But somehow its reporting on my Credit profile. The original creditors are not listed under my creditors on my profile. So I dont know how this collection company can add a collections to my profile when the original creditors are not associated with my profile. 
On XX/XX/XXXX XXXX collection balances for {$410.00} and {$580.00}, original creditors Comenity Bank was added to my account. I called the original creditor and the only account they had for me tied to my name and SSN is my Ulta account. Which is current.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( XXXX  XXXX ) due to adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 Regulations E. These actions significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I received a notification that I have been placed in collections on XX/XX/2020 for an account that is not mine. The name of the collections company is EOS CCA and the amount is {$530.00}. As a result, my credit score has suffered immensely. I have reached out to the collections company and there has been no change. I need this account removed from my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , 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 a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I made a payment of {$1000.00} in XX/XX/XXXX to pay off XXXX XXXX. This was never applied. I called on XX/XX/XXXX they stated they never got it. Called XX/XX/XXXX spoke to XXXX. He said he doesn't see my payment at mohela that it want to Dpt of Education then states I need to send proof. I sent secure message via website on XX/XX/XXXX. Called them back, XXXX states she sees my uploaded documents and to call back in 120 days. I call back XX/XX/XXXX speak to XXXX, she says she sees the payment but for XXXX not XXXX but neither are applied to my loan yet. I resend the information via fax. Supervisor states significant delays call back in ANOTHER 120 fays. Call back XX/XX/XXXX speak to XXXX, she does not see any of this payment. Speak to XXXX, says she sees my evidence and it just needs to be applied to my loan, call back In XXXX Called XX/XX/XXXX - hold quote XXXX minutes. Called XX/XX/XXXX hold quote 196 minutes. XX/XX/XXXX called at XXXX XXXX, hold time quote 2 minutes, I've been on hold for a half hour already. I had a similar problem getting {$100.00} posted to another loan which I also started trying to track down in XX/XX/XXXX and wasn't " found '' and " applied '' until XX/XX/XXXX. This missing payoff payment is for a loan they are now requiring me to make payments on starting XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute several inaccurate entries on my credit report. Upon reviewing my credit report, I have identified the following inaccuracies and would like to have them investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which mandates the investigation of disputed information within 30 days. 
nauthorized Inquiry - Creditor Name XXXX XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/2023 - Requested Action : Remove the inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. In which All 3 major Credit reporting agencies has already been notified of. I've submitted copies of my police report to inform each credit reporting agency. Equifax has failed to comply with my written notice to them requesting to investigate and remove unauthorized inquiries on my report. I've written in details, requesting for the following companies inquiries to be removed from my credit report. As each inquiry was UNAUTHORIZED. Therefore, these items need to be removed. I would like for this matter to be investigated. Please see listed UNAUTHORIZED companies inquiries below. 

UNAUTHORIZED INQUIRIES 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9.XXXX XXXX
Product: Vehicle loan or lease

I leased a new XXXX XXXX XXXX in XXXX, XXXX through Chase Leasing. Near the end of the lease I decided to purchase the car and enter into a loan with Chase Auto Finance. The vehicle was sold on XX/XX/XXXX for {$47000.00}. The sales tax was capitalized into the loan and totaled {$290000.00}. The bill of sale was for vehicle {$50000.00}, which is the sum of the purchase price for the vehicle and the sales tax in Connecticut. I received the documentation necessary to re-register the vehicle in CT on or about XX/XX/XXXX. Included in the documentation was a check to the State of Connecticut for {$90.00}, representing the cost for the vehicle registration. They did not include the CT sales tax in that check which was dated XX/XX/XXXX. I have been calling every week since and Chase has yet to send a check for the sales tax which has been capitalized into the lease and I am paying principal and interest on. Meanwhile, my vehicle registration expired on or about XX/XX/XXXX and I am driving on an expired registration which makes me very nervous. I can not re-register the car until I have a check from Chase for the sales tax. I won't bother you with the endless and time consuming calls I have made to Chase, but I do want you to take this up as they have capitalized the sales tax into the loan and are not paying that amount to the State of Connecticut by check. They are forcing me to pay it TWICE to register my vehicle. WHICH I WON'T DO!! This massively inflates the return to Chase for this loan!!!!! This is a rapacious lending scheme!!! Imagine inflating the value of a loan over the value of the asset by adding sales tax and then not paying out the sales tax. This is CRIMINAL!! Moreover, if I get pulled over for a traffic violation, I will not be able to explain the lack of a current vehicle registration which Chase is SOLELY responsible for by not sending me a check, payable to the State of Connecticut, for {$290000.00}. I've attached relevant documents which show the sales price of the vehicle and the sales tax. I have also included the check for {$90.00} for the registration fee. During my frequent calls with Chase, they defend themselves by saying the {$90.00} is for sales tax. The Disbursement Request Detail ( which I have uploaded ) clearly shows that the are DMV fees. Please help.
Product: Student loan

I believe my student loan servicer, Great Lakes, is engaged in some shady practices. I have personally stayed on top of it, but I am tired of having to constantly make sure I 'm not getting screwed over and I 'm concerned that other people are getting screwed over because they do n't know any better. Here are some examples : I 've been repaying since XXXX XXXX. I started on IBR and moved to RePaye when it became available ( XXXX ). When I attempted to renew my IDR app in XXXX, Great Lakes " misprocessed '' my application and used my salary rather than my XXXX from my tax return. I know they are supposed to use XXXX, but none of my peers appeared to know that at the time. How many students are n't getting the relief they need or forgoing retirement and healthcare spending in order to make their student loan payments? 
When I renewed this year, they tried to move me off of RePaye to the more expensive IBR plan. After I called, their customer service rep said this was a mistake and that I would remain on the RePaye plan. 
Finally, Great Lakes claims that if I do n't renew my IDR app yearly, my monthly student loan payment will go up to {$1300.00}. However, when I use the studentloans.gov estimator, the standard repayment plan payment is only {$790.00}. The {$1300.00} number is the number that I am expected to pay at the END of the RePaye payment term. This does n't seem correct to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX  ) XXXX : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report.

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

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

I would like to dispute these inaccurate accounts on my credit report. 

TransUnion : XXXX Date of inquiry : XX/XX/year> XXXX  XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A, I never gave written or verbal authorization to no reporting agencies to report these negative accounts on my credit report. I am also a victim of the Equifax data breach, my information was exposed.
Product: Credit reporting or other personal consumer reports

This is week 2 and I am still asking XXXX ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the XXXX Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.
Product: Checking or savings account

In XX/XX/XXXX, Wells Fargo Bank was involved in online banking with my name and social security number. I received statements from Wells Fargo regarding several open checking and savings accounts. These accounts were opened using a fraudulent name and address and social security number. Upon receiving this statements, I immediately contacted Wells Fargo to report the identify theft. 
On XX/XX/XXXX, I received a letter from Wells Fargo saying that Wells Fargo will be closing the accounts on XX/XX/XXXX due to reports of identify theft. This is weeks after I reported the fraudulent accounts. 
On XX/XX/XXXX, I received a statement of accounts from Wells Fargo to let me know that my account options are online banking and my spending report. I immediately contacted Wells Fargo and their fraud department and I received a run-around. I talked to 6 different people, which are noted on the attachments, and received no satisfaction. 

I have never done online banking and Wells Fargo put me in jeopardy by not doing not doing any investigation by opening accounts, without proper verification. I have included two documents which I hope will shed light on this injustice done to a senior citizen. I am approaching my XXXX year and I can not believe it takes someone online minutes to open up a fraudulent account and it may take weeks or months for me to resolve this problem.
Product: Money transfer, virtual currency, or money service

I had a payment made through thier square app in which I sent a link to the client to make a payment for the education they are paying for. I am a XXXX XXXX instructor. I sent all paperwork they asked for as well as bank info pictures of conversations between myself and the client. Client asked me to call so he can make a payment for his daughter 's certification. I sent a credit card authorization form to show they are aware of NO CHARGE BACKS. THE AMOUNT WAS FOR {$4500.00} they are holding {$4300.00} for 90 days and deactivated my account and won't tell me why! They collected a fee in which they are apparently doing to many people. I have no access to this money. I use this money to provide my student with the supplies they need and it's how I live. They have no right to keep it held for 90 days or totske a fee if they deactivate my account without reason. I have read that thier is a class action lawsuit filed on them for these reasons. I say boycott Square and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my credit reports back in the begging of the year. OnXX/XX/XXXX I sent a letter to the Georgia Federal Court ( US Bankruptcy Court ) in regards to how they verify Bankruptcy to  the Credit Reporting Agencies ( XXXX, Transunion, and XXXX ). I received a letter back from the court onXX/XX/XXXX stating that they do not provide information to credit reporting agencies. On XX/XX/XXXX I sent the letter from the court along with my letter asking them to validate this information with the Bankruptcy court and provide me with copies of any documentation associated with this account bearing my signature. They did not provide the information requested in the time allotted as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).
Product: Student loan

XXXX is due to be forgiven but MOHELA told me to go into forbearance while they wait for the count to update on their side. They refused to put the account into forbearance claiming it was XXXX month paid ahead. 

I initially attempted to call last week and placed a callback request ( XXXX hour estimated ). No callback was ever received. 

After waiting over XXXX hours on the phone today, XX/XX/year>, I asked to go into forbearance due to the loan reaching the XXXX qualified payments. When I asked to go into forbearance they told me it was not possible because the loan balance is paid 1 month ahead. I asked for clarification and they said to wait another 2 months. I told them I've already paid and reached my total required payments and they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to correct this issue with XXXX through the complaints/disputes filed with the 3 credit bureaus ( Transunion, XXXX, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. 
There is a {$410.00} charge I want removed and I want to be removed from their call list!
Product: Money transfer, virtual currency, or money service

This is insane. I deposited a check through cash a check feature on PayPal. I even paid a {$5.00} fee so I could get the $ in 10 minutes. Hours later I realized I got an email telling me check was accepted and to void the check and submit picture of that. Then I was told check failed. This is unbelievable. Now I have a voided check and no money. I needed if hours ago. How can they tell someone check accepted and to void it and then not accept it?