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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX : XX/XX/XXXX As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX XXXX XXXX company insists I 'm the owner of the property where somebody did n't pay gas bill. I am not the owner of the property and I have never been .I tried to resolve the issue with the company 's representative but the lady was very rude. This is the worst utility company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX. XXXX  XXXX Account # 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

Received HELOC from SunTrust around XX/XX/2020. Sun Trust transitioned to Truist and my payments were not being recorded thereby decreasing my credit score by XXXX points. I have spoken to multiple Truist representatives and they are unable to assist despite the fact that they see the payments. Truist also changed part of the loan to a variable interest to increase their profit margins.
Product: Prepaid card

I received an American Express Virtual Reward Gift Card for {$26.00}. It is for online use only and has been rejected by every merchant Ive tried to use it with including XXXX and XXXX. All attempted purchases have been for less than the available card balance. Customer service has said repeatedly that it will not work anywhere that requires a billing name and address- which is everywhere!
Product: Debt collection

This debt was owed to an apartment complex where I lived 7 years ago. 4 years ago I entered into a settlement with a debt collector named XXXX with National Credit Systems to pay 50 % of the debt I owed in 10 secured monthly payments. I agreed to pay that amount and allowed him to draft all those payments from my bank account. When the last payment was taken a month or so after it was updated. For some reason it is still showing on XXXX. I called National Credit Systems to report to them that it is still showing and is paid, I talked to a XXXX. He told me he knows more than me about my account and hung up on me. I called back to see if he had made a mistake and another woman yelled at me and hung up on me as well. I am sure these calls were all recorded as I agreed to be on a recorded line.
Product: Student loan

Hi- I am a former Univesity of XXXX  School of XXXX student. I attended XXXX from XX/XX/XXXX-XX/XX/XXXX. I, unfortunately, had to borrow to finance my education. Federal loans were not enough to cover the full balance and I had to also take out private loans to cover tuition costs. I was in the process of refinancing my loans this week and noticed 3 " fees '' that were charged on 3 of my student loans titled " repayment fees '. These fees were charged in addition to the capitalized interest that accrued while I was attending school. The fees were around 5 % of the loan balances and totaled nearly 4,000 dollars. Of course that amount is then repaid, with interest, for 30 years. I'm actually afraid to calculate how much I'm actually paying for this fictional fee over the term of the loan. I have ZERO recollection of this fee ever being mentioned to me by anyone at any point in the process. Not during the application process or by the student loan office at the University of XXXX. Just shameful that they would be a part of it.

I've requested the loan disclosures and promissory notes on all 3 documents. That Navient and my University would be a party to this makes me sick to my stomach. Its criminal and should not be tolerated by our government. Saddling kids with enormous debt to get an education is bad enough- legitimately stealing from them through fine print should put people behind bars. I'd love to talk to someone at the CFPB or at a law firm that will handle a class action on this- that will be my next email. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online and try to submit a dispute my credit and information with transunion, XXXX, XXXX  the big 3 credit bureau because they have missed lead other finances company stated I owe money and has open collection know that my credit score should be on a rise I also file and has a bankruptcy chapter XXXX  discharged and yet this company made it impossible of for me of getting any finance for vehicle or open a credit card so I can establish my credit this is called a punishment I received from transunion because I file bankruptcy and fact was they work with banks and other finance company so that I can't get back up on track because I file bankruptcy chapter XXXX and it was discharged by law I am protected under the bankruptcy law.
Product: Checking or savings account

In XXXX of 2024, I was locked out of my XXXX account. I wasnt actively using it, so I didnt think anything of it until I checked my banking account which was CashApp ( XXXX XXXX  XXXX ). My CashApp card was on file for my XXXX account. 
The charges never showed up on my recent transactions. They were listed as XXXX XXXX XXXXpurchase which I believe is some type of college textbook rental program they have. It wasnt until I checked my actual monthly statements that I found out about it. The charges stopped when I disputed all of them and CashApp paid me for one of them, but denied the rest of them. They say I didnt verify my identity but I uploaded every form of identification I had ( drivers license, passport, birth certificate, and I even did the biometrics thing on my face, ) and they still said I didnt verify my identity. I did this at least 10 times that week and again, they say I didnt verify it. Then I get the results of my dispute saying they denied them because of this reason. The charges add up to well over {$500.00}. I still can not access my XXXX account and have since made a new one, nor will CashApp respond to me about my requests to dispute them another time. I am XXXX and have a hard time understanding banking information when I am under stress like this. The amounts, dates, and details about the transactions will be uploaded via the document uploader, but Im not sure if I caught all of the charges because of my XXXX. Thank you for your help.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries in my credit report
Product: Student loan

I am an XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I took out my federal student loan in XX/XX/XXXX with Nelnet. I recently learned that while I took out my loan during my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I qualify for the XXXX XXXX XXXX XXXX XXXX XXXX  ) still. Per the law linked here XXXX XXXX XXXX XXXXXXXX? XXXX ) it states in paragraph A that no creditor shall charge a XXXX XXXX  more than 6 % interest while they are XXXX XXXX XXXX XXXX and in paragraph D they need my XXXX XXXX orders which I have already provided Nelnet. They have been charging me 6.8 %. I have tried reaching out to Nelnet multiple times to get clarity on why they keep denying me despite Louisiana law, but they will not give me a valid answer. They keep sending me in circles with denials and I just keep reapplying and I have even reached out to their XXXXXXXX XXXX email to no avail. Also, with the XXXX, they should reimburse me the extra interest they have collected from me since XX/XX/XXXX by applying that credit to my loan balance. I have told them this. They effectively are stealing from me and not owning up to it. I am frustrated. I understand that the guidelines for the XXXX say that it only applies to loans taken out BEFORE my XXXX XXXX status ( which started in XX/XX/XXXX ) but because I am XXXX XXXX XXXX Louisiana law states it doesn't matter if it was before or after ... as long XXXX XXXX XXXX XXXX XXXX, the XXXX applies to me no matter what. Nelnet needs to honor this. Thank you.
Product: Mortgage

I applied for a wellsfargo mortgage modification program and I was denied. I have a surplus of income at this time and was denied. I do not understand why I can not find an reasonable option for me and my mortgage company wellsfargo. I will go to the media and provide them the my documents to show them my ability to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and there were Three XXXX XXXX inquiries and one XXXXXXXX XXXX inquiry. I do not know if accounts were opened. I contacted all parties involved and have been told the fraudulent inquiries would be removed and as of this complaint filing the inquiries remain. Identity theft notice and police report enclosed with complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and unverified information to consumer reporting agencies which is harming my reputation as a consumer and hindering me from making necessary banking transactions. Reporting an alleged debt of {$1100.00} for an alleged unverified credit card. Reporting an alleged debt of {$2800.00} for an alleged unverified secured loan. Violations of 15 USC 1692b ( 2 ) -stating that I owe a debt. Violations of 15 USC 1692d ( 1 ) -harming my reputation as a consumer which is hindering my ability to conduct necessary banking transactions. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find offensive and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EQUIFAX for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EQUIFAX has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions.

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EQUIFAX is in blatant breach of this statutory protection. 

XXXX. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement.

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EQUIFAX has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates.

The inaccurate and unfounded reporting of bankruptcy by EQUIFAX is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

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

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated or corrected as soon as possible. 
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 and Equifax is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : OXXXX 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to establish an online account with Transunion for the purpose of freezing and unfreezing my credit file. For some unknown reason, they locked the account. I had to speak to customer service to provide verbal approval to remove a freeze that I apparently placed verbally years ago. 

As a result of recent data breaches, I again attempted to establish an online account with Transunion on XXXX XXXX, 2024 to freeze and unfreeze my credit file. Again, my online efforts failed, as the online account was blocked again. After lengthy waits to speak with someone, my conversation with a third rep told me my case required " special handling '', and that another service rep was going to call me. Today is XXXX XXXX, and no return call. I then tried again tried to call Transunion, and after being on hold for over an hour, I connected with someone, who abruptly hung up. 

On XXXX XXXX, I received an email from Transunion offering me the opportunity to enroll in their credit monitoring service for nearly {$30.00} a month. 

What's wrong with this picture? They appear to be trying to avoid providing a free service, and instead get me to enroll in a paid service. There is absolutely no reason why they should block my efforts to enroll in the free online account. In the conversations I had with them on XXXX XXXX, I provided multiple sets of data to prove my identity, so there is absolutely no legitimate reason for Transunion to not establish my online account. This appears to be classic bait and switch, if not extortion.
Product: Credit card or prepaid card

I disputed in writing an overcharge on my card statement and the credit card company called me to dismiss it in spite of the overwhelming evidence. They will go by whatever the merchant bills me for, not by what it was agreed upon and signed. If the merchant had decided to bill me for ten times the agreed, signed amount that would be fine with my card issuer, as they told me.. 

I disputed a XX/XX/2018 charge of XXXX XXXX on my card in the amount of USD XXXX. 

The SIGNED Agreement with this merchant was for Euro XXXX plus incidentals, if any. The merchant charged a larger amount by arbitrarily and unilaterally removing the agreed 12 % discount on the SIGNED Agreement, and thus overcharging me by Euro XXXX ( equivalent to the disputed USD XXXX at the exchange rate applied for the charge ). 

There were no additional charges or incidentals that could justify the overcharge. I contacted the merchant and they refused to correct the overcharge. The credit card issuer summarily dismissed the dispute in spite of attaching a copy of the SIGNED Agreement as well as a copy of the inflated unilateral bill that the merchant charged to my account. The credit card company called me and even the supervisor stated that since I signed an Agreement, the amount and concepts on the Agreement are irrelevant, and only what the merchant decides to charge later counts for them. 

This is fraudulent on the part of the merchant and on the part of the card issuer.
Product: Checking or savings account

Bank of America repeatedly allowed my account to be accessed by people who were not signatories to the account. Bank of America, as is thoroughly documented in court filings, improperly charged fees to my account. As a result of Bank of Americas repeated acts of fraud and negligence, my account became overdrawn. 

https : XXXX Unfortunately, Bank of America refuses to acknowledge its negligence and fraud and instead has decided to put a fraud notation on my XXXX credit report. 

Bank of America insists on blaming me for its own negligence despite admitting in court that issues like mine were demonstrably a result of its own negligence. Bank of America has continued to make fraudulent statements in writing when confronted with an obvious case where it is at fault. Bank of America is recalcitrant and has deemed itself to be the jury, judge and executioner in cases where it negligently allows fraud on its checking accounts and then racks up fees in a very clear cut case of criminal self dealing.
Product: Money transfer, virtual currency, or money service

Cash app refused to investigate, refund, and or cancel payments that I reported as scams and then deleted my account stealing the rest of the money I had in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint is not updating my bureau scores timely. Last scores are updated as of XXXX. This is causing me an issue with trying to refinance which I need to do due to divorce. Company has been contacted multiple times and issue still not resolved. 
I am paid through XXXX.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances, despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

Personal accounts at Chase have been breached several times. Even with multi fraud alerts, over 100 unauthorized charges on XX/XX/24 and XX/XX/24 were processed totalling just under {$19000.00}. I never received the card used but a PIN was used and I was not told what the number was. But because a PIN was used, Chase says it equals permission and my fraud claims were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( the worse ), Transunion and XXXX  are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Robinhood account to these fraudulent investment companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX still not reporting current information on my student loan. Example, on my report dated XX/XX/XXXX, it only reports to XX/XX/XXXX. Great Lakes Borrower, states they report to XXXX. XXXX   blames Great Lakes. It isn't accurately reported, still.
Product: Debt collection

THIS XXXX XXXX ACCOUNT FOR THE AMOUNT OF {$1200.00} IS AGGRESSIVE FRAUD COMMITTED AGAINST ME. MY PERSONAL INFORMATION IS COMPROMISED WITHOUT MY CONSENT AND BEEN ADDED TO MY CREDIT REPORT WITHOUT PROPER VERIFICATION AND HAS BEEN AFFECTING MY LIFE. MY PERSONAL INFORMATION HAS BEEN ALSO BEEN IN SEVERAL BREACHES LIKE THE XXXX AND EQUIFAX BREACH. 
ACCORDING TO THE FCRA 15USC1681, THIS IS A VIOLATION. IM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY FROM XXXX, XXXX, AND EQUIFAX. 
AS I REPORTED THIS TO THE CFPB AS WELL. ALSO PLEASE UPDATE MY ADDRESS TO ONLY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. ANY OTHER ADDRESSES LISTED ON MY CREDIT PROFILE ARE FRAUDULENT.