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

EXPERIAN REFUSES TO ACCEPT MY IDENTITY THEFT REPORT AND BLOCK FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

FRAUDULENTS ACCOUNTS : 1XXXX XXXX  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX - XXXX I have requested Experian, multiple times, to Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All attemps have been fruitless since Experian, even though I have requested and disputed these accounts multiple times by submitting to experian, via email, fax, internet etc, all my identifications and reports, they still decline my request, by claiming they have not received valid proof of identity. 

Enclosed are the following : A copy of my Identity Theft Report and proofs of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
INACCURATE NAME : XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Employer - XXXX XXXX Employer - XXXX XXXX Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Vehicle loan or lease

I purchase a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX Georgia. On XX/XX/2005. It was then financed by Security National Automotive Acceptance Corporation. At an interest rate of 13.90 and finance charges of XXXX which bring the total sale amount to {$24000.00}. At the time I did not understand credit or interest rate at the time I was a XXXX-year-old just enlisted into the military and was in need of vehicle to travel back and forth to work. When I was XXXX XXXX out of the military contact Security National Automotive Acceptance Corporation to inform them that I was no longer in the military and to stop the automatic draft that I had set up for years they refused to stop the automatic draft and my account was overdraft 4 times without my consent at the time I told them all so they could come pick up the vehicle and then that's when they told me they did not want the vehicle back and that it was no good I told him about all the maintenance that I had to do and all of the recalls on this vehicle. I tried also returning the vehicle back to XXXX XXXX 3 days after purchase they refuse to take it back due to the fact it was an as-is sale with no warranty
Product: Prepaid card

I went to an ATM ( XXXX XXXX ) on XXXX/XXXX/2016 to withdraw {$400.00} & it did not dispense out. It went in the local branch & talked to XXXX XXXX about the matter & it was later acknowledged that my money did not dispense out so therefore XXXX XXXX ( handles ATM disputes ) faxed the paperwork to UniRush which is the parent company of Rush Card about the matter & they released the {$400.00} back to Rush Card on XXXX/XXXX/2016. I have called RushCard several times & each time they keep saying that the money was not sent back to them, however, I have the paperwork from XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, WI ). Each time I call, Rush Card tells me a different story. I was told that I would have my money by the end of the business day XXXX/XXXX/2016 & now I am being told they did not receive the money. I have bills to pay & for them to keep giving me the runaround is unacceptable. It 's like I am being punished for something that I did not have control over.
Product: Debt collection

XXXX XXXX, XXXX i been trying to sell some my persome items.I had someone interested on ring i thought it was size XXXX and someone purchase it.But when i was checking size it was XXXX and i donot know how i advertise wrong size.So i login my account XXXX went to message told Buyer i had wrong size, i had XXXX  Refund full amount..XXXX  policy states i would not get charge any fees for issue refund.XXXX  is UnAuthorize to charge my Credit Card any fees.If i ever get paid any money XXXX automatically deposit in my account on file.If i owe XXXX any fees at end of Billing cycle i Manually pay XXXX. So XXXX gave full Refund to Buyer.XXXX  turned around Charge my Capitalone Credit Card {$47.00} for this transaction.i tried turning in to Capitalone but there system stops me from report Fraud, UnAuthorize charge No Permission.XXXX  think they can do what ever they want, they are the XXXX XXXX XXXX XXXXXXXX Company Cheats the poor, XXXX  iam over XXXX XXXX.
Product: Checking or savings account

Approx XX/XX/XXXX, fraudulent charges against my bank account began to apply. The amounts varied from {$40.00} to {$200.00}. They hit several times a day, and have hit every day. I called the bank Friday Morning to address and stop. The bank just keeps paying them. they all start with the name 'XXXX B ', and then 20 random digits, followed by my full name, and the date. Even though the account went overdrawn several days ago, the funds are still being transferred out, simply driving the account further under. I have called 3 times, Bank ( Fifth Third ) refuses to prevent the charges, says the only action they are willing to take is close my account. My Mortgage is linked to that account, all my utilities, my credit cards. This almost identical situation happened a little over a year ago, and it took MONTHS to finally get things running smoothly. I had to spend 8 months chasing my Tax refund because it was somehow miss-routed and paid to the closed account, and then just 'disappeared '.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX currently have Fruad accounts and inquiries appearing on my credit report.
Product: Student loan

I called my student loan servicer Mohela on XXXX the XXXX to request a refund of some of the payments I had made during the pandemic. It took me over 2 hours to be connected to an agent, but I was told that I would be refunded in 30 days. I was told there was no receipt or confirmation email they could send me to confirm this request. I was one of the student loan recipients whose loans were transferred from XXXX XXXX to Mohela over one year ago, for context. On XXXX the XXXX, I called for an update to the situation as I had received no word or refund. I was connected to an agent after another 2 hours on the line and they stated that the loan would be reimbursed in 90 to 120 days from that call and that they were unable to help in any way with confirmation of this as my loans were not visible to them because I transferred from XXXX XXXX. The agent stated that they didn't have my records from the company after my account was supposed to be transferred over a year ago. I contacted XXXX XXXX on XXXX the XXXX and they stated that they no longer had my loans in their jurisdiction either. I am trying to get student loan forgiveness on what I paid and am being told that there is nothing either company can do to help me.
Product: Credit card or prepaid card

Received credit card in XX/XX/XXXX. Paid off outstanding debt to collection company XX/XX/XXXX. Moved lost original payment confirmation paperwork. XX/XX/XXXXcontacted by another collection company threatened concerning BARCLAY BANK OF DELAWARE paid new collection agency XXXX settlement, because of lost original paperwork. Threatened with court and garnishments. Received letter from XXXX XXXX  Office of the President at Barclay Bank Delaware stating that Barclay Bank is not party to any pending judicial matters associated with you or any outstanding debts you may have. I have called an left message at the number given with this letter and yet it is XX/XX/XXXX and I am still receiving debt collections threats and garnishment threats concerning this same account. Does BARCLAY BANK NOT CLOSE OUT their accounts correctly are they rotating through the system and fraudulent debt collection companies allowed to have your personal information are they not sharing that the account is closed out. Does BARCLAY BANK have ACCOUNTANTS are they not keeping up with their own information does XXXX XXXX even exist, does BARCLAY BANK EVEN EXIST or is this a situation where there is a person sitting at home making up fake credit cards and flooding the market with fake credit cards this is my second complaint about BARCLAY BANK FILE COMPLAINT XXXX in XX/XX/XXXXwhat else needs to be done besides me filing a lawsuit against this bank for harassment. This problem has been ongoing for ten years I need help!!!!!!!!!!!!!!!!!!!!! XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I was sent a letter from CFPB letting me know Lexington Law Firm allowed my personal information had got out. I have a lot of hard inquiries I'm not aware of. It's accounts that has been on my account for years and have not been moved as Lexington Law Firm agreed to. I'm very devastated about this because I have know clue who has my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALABAMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Debt collection

CREDIT BUREAU : XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : ALL FRAUDULENT INQUIRIES AND ALL FRAUDULENT COLLECTIONS WHICH IS ILLEGAL. XXXX XXXX XXXX XXXX XXXX IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD XXXX  DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. XXXX AND EXPERIAN HAVE MOVED THESE FRAUDULENT ACCOUNTS OFF OF CONSUMER CREDIT REPORT FOR OVER XXXX  YEAR. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING XXXX XXXX XXXX XXXX XXXXTO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. XXXX XXXX XXXX XXXX XXXX HAS XXXX  DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR XXXX REPORT. IF XXXX XXXX XXXX XXXX XXXX DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. XXXX XXXX XXXX XXXX XXXX EIN XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. In connection with the XXXX Change in Control Transaction, we entered into a registration rights agreement ( the Registration Rights Agreement ) with certain affiliates of the Sponsors and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the Sponsors and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Mortgage

In XX/XX/XXXX we were offered general terms of a Mortgage Modification from LoanCare with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/XXXX and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

XXXX became our loan servicer effective XX/XX/XXXX. XXXX is saying they never received the paperwork from LoanCare ; LoanCare is saying they sent everything in XX/XX/XXXX. 

Our loan in now being reported as delinquent. It is not yet our credit scores have decreased over 100 points due to their combined incompetence.
Product: Credit reporting, credit repair services, 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 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 1681c. ( 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: Student loan

i have inquired about loan forgiveness in XXXX of XXXX when I learned about the forgiveness for XXXX XXXX XXXX XXXX XXXX XXXX program. I was able to down load the status of my loan {$17000.00} ; the amounts XXXX.and the remaining remaining balance XXXX as of XXXX XXXX and {$3500.00} of interest. 
I was sent forms to request how to apply for the forgiveness. I filled out and returned. I returned the forms and after XXXX  months no reply received. I routinely call and have used my forbearance to keep out of default. I am retired after having worked XXXX  years with Texas XXXX XXXX. I have looked into the XXXX  law suit and checked with any other program or situation that can help me get a forgiveness. I believe that I qualify under XXXX  law suit, but am still getting reminders to pay. I also, feel that I qualify under the Public Service Loan. 

Can you help? 
Thank you for any assistance
Product: Debt collection

I received a letter from Progressive Management Systems stating a debt had been assigned to them XX/XX/20. I received it mid XXXX and in less than 30 days of receipt I sent a letter stating I dispute their claim. 

I sent them a letter in writing disputing their claim via certified mail the next day, well with in the 30 days of receipt. 

I just received a notice that it had been added to my credit report with XXXX. This debit is properly disputed and should not be reported as such as this is not correct info. 

The company has never called me and has not supplied any data in response to my letter before they decided to tarnish my reputation.
Product: Debt collection

I had received XXXX XXXXXXXX back in 2013. After the XXXX was completed I began having complications with my XXXX  so I went back to my doctor for a review. 
It was determined that the surgeon had damaged my XXXX XXXX during the original XXXX on my XXXX. He offered to do another XXXX to repair the accidental damage done from the first XXXX at no cost to me. I agreed and the XXXX was preformed. Some time later I started receiving bills from my doctors office for the secondary XXXX preformed. After calling my doctors office and explaining to them what had happened and why the second XXXX was needed they agreed to stop billing me. Later after having my credit report pulled I noticed that my doctors office had sold the debt to a collection agency. I never agreed to this debt and I have been unable to have it removed from my credit report.
Product: Debt collection

XXXX XXXX from Como Law Firm called me today regarding a debt that I do not owe. He would not answer any questions about the debt and became angry and extremely rude when I said I would not make any type of a payment to him without understanding what it is he says I owe. I informed him that I have saved email communication from the apartment manager that he is claiming I owe this debt to in which the manager is telling me there was a glitch in their system and I OWE NOTHING but he would not accept the information. I asked him exactly what the debt was for and he could not answer that question. I then asked for an itemized list of what the debt is for and he said " Did you not just hear me, XXXX? I do n't have it. '' and he hung up on me. I pay my bills and have excellent credit and do not want to pay a debt that I not only do not owe, but do not know what is for. XXXX XXXX spoke to me in a degrading, rude manner and I do not deserve this type of treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When checking Experian, I saw my credit score dropped due to an unpaid balance of {$3000.00} on a XXXX account. I have one chase account that is paid off. Once I made a dispute claiming this was fraud and not my account, then removed it from records. I, then, received an email updating my credit score dropping an additional 18 points. This account has drastically reduced my credit score and I promise myself in having a very good score. Please advice as XXXX nor Experian will assist.
Product: Debt collection

The XXXX  security breach affected millions of consumers including myself you may view information about this breach here : XXXX XXXX  XXXX Section 609 of the Fair Credit Reporting Act states that only fair, accurate accounts should be reported to any consumers credit file. I have contacted your company over 60 days ago and asked for you to either validate this account or remove it from my credit file, the fair credit reporting act states that your company has 30 days to respond, you have not done so which is illegal. The account you have listed on my credit file, is a result of identity theft, I am aware of my rights as a consumer, and I understand the current laws as the fair credit reporting act states. I ask as stated by law for you to remove the fraudulent account from my credit file. I have asked for proof that this account belong to me, which I have not received at all. I am demanding that you remove this account from my credit reports at once, it is absurd that your company has placed this account on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. If you refuse to remove this incorrect information from my credit file, I will move forward and file a motion in small claims court against your company. I am currently working with a lawyer who will assist me in making sure a judge in my area understands that your company is breaking the law by continuing to report this false information to my credit file. You may contact my lawyers here : XXXX XXXX XXXX I have kept all documentation of each correspondence, and I am prepared to fight for my rights to have a fair and accurate credit file. It has been 60 days since I have requested removal and debt validation, I have yet to receive. I am demanding this information be removed in 1 business day, as I plan to file a motion in court. Please remove this fraudulent account from my credit file.