23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove the inquiries that 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 information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

this account is not mines and needs to be deleted from XXXX XXXX XXXX Acct # XXXXXXXX According to 15 usc 1681a ( 2 )  ( i ) this is a violation of my consumer rights. pursuant to 15 usc 1681e ( b ) ( c ) states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 


delete this from my report now
Product: Debt collection

I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX ) to XXXX XXXX ( paid to XXXX in bank statements ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for student loan refinancing and applying for a mortgage on a first home. I had a credit FREEZE with TRANSUNION.     I have paid the  XXXX  $ to lift that freeze. STILL the mortgage company and the student refinancing company are n't able to access my Transunion credit rep ort ( w hich they both require to have all  XXXX  reports ).     I have called REPEATEDLY and WASTED HOURS of my life. I 'm always transferred to  XXXX  where the reps do n't have a comprehension of what I 'm saying/needing. Then I request to get transferred back to t  he USA to speak with someone. One time after 20 minutes on hold, I spoke with a person who said she fixed it. The other attempts to get my call transferred to the USA mysteriously " get dropped '' and I 'm hungup on.
I STILL ca n't finish my mortgage application BECAUSE Transunion is STILL showing my credit report as FROZEN. EVEN THOUGH I 'VE EVEN GONE ONLI  NE AND REMOVED IT ENTIRELY.     I 'm SO beyond frustrated. I 've lost my  XXXX  $ and my sanity. It 's nearly IMPOSSIBLE to even speak with a human being at Transunion and when you can, the English comprehension is n't available.     Transunion is running a SCAM to take people 's money and cause added stress and frustration in their lives!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification from the agencies that have bought debt that was opened illegally in my name while I was in XXXX, and they have failed to provide me with any information on this. I have submitted documents showing my time living aboard when these accounts have been opened fraudulently. Other debt collectors can not provide me with the original creditor or any other information at the time the debt was attained. 

Here are the companies that are reporting inaccurate and negative information to my credit report, that have failed to supply me with verified information of said debts, and when they were originally opened. 

Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address po box XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per the Federal Law of Inaccurate or Unverifiable Information, I wish this information to be removed from my credit reports and all unverified information and inaccurate information removed from all public records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted American Express explaining to them that the American Express card listed on my credit report belonged to my company, not me. They informed me that it had been listed as a write off and turned over to a collection agency. They said there was nothing they could do. My company has been making payments each month for the past 6-7 months to the collection agency. 
The card was issued to XXXX XXXX XXXX with my name under the company XXXX XXXX XXXX XXXX. 
They said because when the application was made, I had to list my personal information, name, social security number that I was responsible for the account. The statement came to the company address each month with the company name. I will attach copies of them to this. They have refused to take the report off of my personal credit report and charge it off to the company. My wife and I are attempting to purchase a house and this is killing my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report, as provided to me by your agency. 
This dispute is being made under my rights outlined in the Fair Credit Reporting Act ( FCRA ), which ensures the accuracy and fairness of the information contained in my credit file. 

The item ( XXXX ) Account name XXXX XXXX XXXX Account number XXXX Account info " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX BANK XXXX Account number XXXX " This account is inaccurately reported as late, '' Account name XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX  Account number XXXX " This account does not belong to me, '' XXXX XXXXXXXX ASSOCIATES Account number XXXX " This account does not belong to me, '' Account name XXXX XXXX XXXX Account number XXXX " This account does not belong to me, '' Under the FCRA ( 15 U.S.C. 16811 ), you are required to investigate my dispute within 30 days of receipt of this letter. If your investigation does not result in the removal or correction of this information, I request that you provide : 1. A detailed explanation of your investigation process.

2. Copies of any documentation you used to verify the information 's accuracy. 
If the information can not be verified, it must be removed from my credit file. 
Please notify me in writing when the investigation is completed and provide an updated copy of my credit report reflecting the corrected information. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. Please feel free to contact me at XXXX or XXXX if further clarification is needed.
Product: Debt collection

This is a total scam supposedly portfolio recovery, they call daily I will not answear from reports I have read they are targeting vulnerable seniors, I am presently blocking all calls and I will continue to do so, but I hope something can be done about these obvious criminals for the sake of hard working all their lives vulnerable seniors. 
I have been on do not call list since XX/XX/2009. 
My social was compromised XX/XX/2009. 
Thank you
Product: Credit card

Goldman Sachs is deliberately obstructing my attempts to pay on an account I took out through Apple. They say my account number is invalid, but I have been banking with my credit union for more than 20 years. I have taken out similar lines of credit for other purchases, such as through XXXX XXXX, and not had a problem making payments from my credit union. Goldman is deliberately obstructing my attempts to pay by claiming my account number is invalid, when literally ever single other financial institution that I have given it to has accepted it. They are now trying to charge me additional fees and interest after deliberately obstructing my attempts to pay.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX 
America s carmart has been still had truck in XXXX. We have not seen in over year. He missed couple payments because his brakes was going out a week after they put in shop. He almost wrecked. He called them they would not do anything about it. Plus while at XXXX XXXX XXXX his brake boost was stolen. They did not put back. They mechanic hands him a much cheaper one because he refused to put in. We had to sign nda and was told it would not be on our credit since they had refuse to fix at least four times. We tried calling. XXXX didn't care. My husband almost wrecked because of it. I thought it was illegal to sell a lemon? Also we was told it was auction off. We never received anything from them about anything. Because after nda we was told it would not go on our credit. Now I am wondering what I am supposed to do? Someone really needs to investigate a them. Cause next time someone might die for their carelessness. I hope you listen and can help. They have did nothing but lie. They have had truck over year. I don't understand why they are trying to say we had this year.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Bank # XXXX ; Account name : XXXX XXXX # XXXX, has violated my rights. 

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

I contacted ZIP to remove my debit card that is stored in my account. I provided a written statement that I am revoking authorization of the use of my stored debit card. ZIP refused to remove my debit card after multiple attempts. It is illegal to use my debit card without approval.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Student loan

Hi, I hold a federal student loan and the servicing company is FedLoan Servicing. My Account number is XXXX. My name is XXXX XXXX On XX/XX/XXXX I received a notification that my loan is becoming due to be recertified. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I uploaded all the necessary documents for recertification with the income requirement. Please see attachment XX/XX/XXXX. 

On XX/XX/XXXX I received a recertification letter and my monthly payments were assessed at {$230.00}. Please see attachment XX/XX/XXXX. 

Please note, that I used the exact same income return for the previous year and my monthly payments were assessed at {$150.00}. Please find the following : 1 )  Attachment XXXX ( the IDR monthly payment assessment ) and 2 ) The tax return submitted to FedLoan ( attachment XXXX XXXX - Form XXXX - XXXX Tax Return ) with the IDR form signed on XXXX ( attachment XXXX XXXX IDR Application XX/XX/XXXX - XXXX ). 

On or about XX/XX/XXXX I contacted FedLoan Servicing and inquired about the discrepancy in the monthly payment calculation and was advised to resubmit my recertification documents without an explanation about processing times and guarantee that the mistake won't happen again. 

On or about XX/XX/XXXX I contacted FedLoan ServiceXXXX again and spoke to representative XXXX ID # XXXX. She reviewed my file and determined that there was an error in processing my IDR application which resulted in an increase in my monthly payment. She further informed me that she will put in request to review my application to correct such error. 

As of today, XX/XX/XXXX FedLoan Servicing has not followed up with any type of communication that my IDR application has been submitted for the error correction. I have not received an email or any type of communication regarding this issue. 

I would like my payments my monthly payments to be adjusted.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I tried to transfer money from Robinhood into my XXXX XXXX acct. but since it was a trust acct. it wouldnt go through. I then tried my other acct. and it wouldnt go through since it was an LLC. I didnt know this. So after attempting several times Robinhood froze my acct. 

I am unable to access my money and they havent explained why. Ive tried their chat line and a few times on the phone. But no one can say anything except my acct. is under review. I dont know when the review will take place. I dont know when I can have my money back I opened an acct. at XXXX XXXX  in my own name. I was now told they wont transfer to them.
Product: Vehicle loan or lease

On Monday XX/XX/XXXX My car was REPOSSESSED By XXXX XXXX XXXX XXXX XXXX. Ive Not Received any Knowledge of it being repossessed due to the CEASE AND DESIST Ive in place for the finance company to validate the contract & send an Updated LIEN. Theyve took my car and I went to the tow truck place and told them that my vehicle is in my name and Im the lien holder & tried to show them the UCC-1 that has been filed back in XX/XX/XXXX. They didnt show me any documentation at all when I asked what westlake XXXXent them to get my car. told westlake this numerous of time & they still have not acknowledged this. Theyve towed my kids stuff, Im XXXX XXXX XXXX I had miss my doctors appointment my kids missed school because of this!
Product: Credit card or prepaid card

I made a balance transfer in the amount of {$400.00} from XXXX XXXX and {$780.00} from XXXX XXXX into my Barclays account. These amounts never transferred but yet Im being charged interest on all the accounts! They never transferred but it showed they were transferred in the Barclays account! This was on XX/XX/18 and its still showing balances on all the account. Barclays has not done anything because they dont respond to my messages
Product: Student loan

On or about XXXX XXXX, 2014, I applied for a loan consolidation serviced by Navient. It has recently come to my attention that Navient is being sued for unfair and deceptive practices. Upon further review of the terms and conditions of the consolidation application, specifically clause " G '', I have become concerned that Navient " may '' convert my department of education loans to private loans, raise interest rates and/or deem me ineligible for certain repayment plans and/or student loan forgiveness programs. Clause " G '' is vague and deceptive. I have heard of other borrowers whom experienced the aforementioned conversion and I am formally objecting to any such conversion. I am now worried about the most recent loan I took out through Navient for XXXX school education, whereby I am seeking a degree in human services. I would have never agreed to the terms and conditions used by Navient if it was made clear I could become ineligible for student loan forgiveness in the future, as I plan on working for a non-profit organization after completing my XXXX program. 

In addition, I 'm worried that Navient has or could misappropriate my payments or any other calculations regarding my loans and/or interest.
Product: Credit reporting or other personal consumer reports

I've contacted XXXX and Experian regarding the collection increases from the same company every 2 weeks. Them repeatedly reporting this is hurting my credit tremendously and has made it very difficult for me to get approved for a place to live.
Product: Debt collection

ok, I sent out verification letters for them to never had first energy still stay with my parents, they responded and said they sent something out XX/XX/XXXX I sent a validation letter out on XX/XX/XXXX and have yet to hear anything
Product: Checking or savings account

I opened an account with Suntrust and transferred {$3000.00} from my XXXX account om XX/XX/2020 shortly after Suntrust sent me a letter saying the account was closed for fraud. I was never contacted by Suntrust directly to ask. 
Suntrust did not send back my {$3000.00} I have called twice and both reps have told me suntrust is holding my money and will not say why or let me talk to an agent who can explain. 
I need my {$3000.00} from suntrust ASAP, as well as compensation for lost interest ( 4 % apr on XXXX for length of time money was held, currently 60days x .XXXX XXXX a day = {$26.00} dollars ) and the opening bonus that i would have been eligible for of {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - Telephone ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

i contacted XXXX, equifax, and XXXX  over 6 months ago and never received any update to my about my credit file. these companies continued to report fraudulent activities to my account without the proper authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within XXXX DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.