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

on XX/XX/2020 I sent letters to Equifax, XXXX and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy Court and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file
Product: Student loan

Over the past several years, my lender influenced me to continue applying for forbearance actions with my loans rather than provide me with helpful information regarding repayment plans based on my income. I continued to ask about payments ( specifically, payment options based on my low income ), and continuously ended up using forbearance strategies based on the advise of my lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.
Product: Student loan

I have a student loan that is serviced by Navient. I do n't make enough money to be able to afford to pay off my loans even with income based repayment plans as I just had a daughter. My loans have ballooned out of control because I was advised to place my loans in forbearance every time I called and asked what my options are. This loan will be over {$90000.00} this year. And I am paying less than the interest now. I asked about lowering my interest rate and was told that is not an option. Navient, like any other company today is looking to exploit its customers as much as it can. Whats worse is I did n't have a choice in this matter.
Product: Checking or savings account

I opened a checking/savings account with Huntington approximately a month ago. 

On the day I opened my accounts, my pin number was set up and I was informed to expect the debit card in the mail. 

A couple of days after opening my account, I received an alert that {$9000.00} was taken out of my savings account. I called my local Huntington bank and a staff member informed me that a person was in " training, '' and it was an accident. I opened accounts at this branch because I'm currently dealing with identity theft regarding a different bank and am working with the Michigan State Police. 

It's not acceptable that it was an " accident. '' People in training should not be using consumer accounts to train. I can only imagine what would have happened if I had not caught the error. 

I called Huntington and was informed a debit card was never ordered so I again had to order a debit card. I was on the phone over THIRTY MINUTES just to order a debit card. 

Yesterday, I went to XXXX XXXX and paid with a check and the payment was declined. I used my ATM card and it was approved. THESE ARE THE SAME ACCOUNT!! 

I called the toll-free Huntington number and explained the situation. The representative said the check was approved and I told him it was not and read him the declined narrative. I told him my debit card approved the transaction. He said, " I'm confused, '' and told me to call back tomorrow. 

I'm really disgusted with all of the problems I've had with this bank especially given the short time frame I've had accounts. 

I would like compensation for all of the difficulties regarding error of which, NONE were made by myself. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 a account without my written instructions ( XXXX XXXX XXXX XXXX I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion 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 ( 1 ) 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: Debt collection

This is regards to an old debt on a apartment lease from XXXX XXXX. This debt is noted to have stopped being paid on XX/XX/2014, which is past the statute of limitations. This debt was originally sent to Hunter Warfield, and they removed the debt from my credit report due to insufficient proof and they did not provide documentation upon requested that showed the original contract with my signature on it. 

I did not receive a letter regarding the time frame I have to dispute this account for the SECOND time. This account just keeps getting handed off to different collection agencies and aging the collection. You are not only hurting my credit with this, but putting my future home ownership process in jeopardy. 

You are attempting to collect a debt thats past the statute of limitations which in the state of Florida which is 5 years of breach of written contract and 4 years for oral contracts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Vehicle loan or lease

I came forth in the way of a Consumer Credit Transaction for a Ford Truck on XX/XX/year> I submitted my Principal ( Security As Collateral ) on the application at FORD MOTOR COMPANY and got Denied an extension of my principal credit which should have never happened. I sent the Tender of Payment out to the CFO of FORD MOTOR COMPANY to be attached with the application that was submitted on XX/XX/year>XXXX   with no response from FORD MOTOR COMPANY or action its now XX/XX/year>XXXX  which Im very unhappy with this service they are providing and mismanagement. This is unfair and Inaccurate I should have never been denied an extension of my Principal Credit. I Have Full Capacity To Contract.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Credit Reporting Agencies What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX Consumer Social Security Number : ( XXXX ) Consumer Date of Birth : ( XX/XX/XXXX ) This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion 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 receiving this complaint.

This fraudulent, inaccurate, and false information consists of : A credit card at XXXX, opened XX/XX/XXXX. 
A credit card at XXXX  XXXX XXXX, opened XX/XX/XXXX. 
A credit card at XXXX, opened XX/XX/XXXX. 
A credit card at XXXX XXXX, opened XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I have attached an FTC Identity Theft Report ( # XXXX ) and my credit report showing these fraudulent items. I do not recognize the accounts, collections, or inquiries reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is very rude and disrespectful they dont follow rules at all. They claim they never received my letters of proof from you guys or me.
Product: Money transfer, virtual currency, or money service

Good afternoon I am the owner and manager of XXXX XXXX XXXX XXXX My company sent funds to the counterparty XXXX XXXX and XXXX XXXX as payment for the contract - in the amount of USD XXXX ( payment order No. XXXX dated XX/XX/2022 ) ; Correspondent bank of THE BANK OF NEW YORK MELLON. Information about payment in the annexes to this letter. Payment have not been received by the recipient. As far as I know, this payment is blocked. I ask you to help me set the details and the date of blocking this payment. I contacted THE BANK OF NEW YORK MELLON by phone, but they refused to provide me with any information about the details and the date of blocking payment. Early I try to get iformation about this payment, but the bank sent me an answer about another payment. 
Sincerely yours, General Director of XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX XXXX for {$3200.00} .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit card or prepaid card

I got an American Express XXXX XXXX credit card on XX/XX/22. Terms stated that I would get 1.5 % cash back on eligible purchases each billing period. I did not receive cash back for the first billing period as of XX/XX/22. Called American Express about issue on XX/XX/22 and got multiple conflicting responses from different customer service representatives so it is not clear if or when I will get the promised cash back ( representatives are XXXX, XXXX and XXXX ).
Product: Credit reporting or other personal consumer reports

Midland Credit is reporting a collection on my credit file because of a XXXX XXXX XXXX credit card that I reported as fraud a long time ago. XXXX XXXX XXXX was also showing on my credit file and was not my account. I called XXXX XXXX XXXX with the issue and reported it as fraud, the account was closed Later on I noticed that Midland Credit is reporting a collection on my credit file because of that XXXX XXXX XXXX  account I hired attorneys and will be taking both XXXX, XXXX XXXX XXXX and Midland Credit to court.
Product: Credit reporting or other personal consumer reports

TransUnion generated a credit report on XX/XX/24 and showed that I have XXXX credit cards with XXXX XXXX, XXXX with account number XXXX XXXX XXXX XXXX and another one with account number that ends in XXXX. The second account is fraudulent so I created a dispute on XX/XX/24. Since I didnt see any changes on my report I called XXXX XXXX XXXX XX/XX/24 and they confirmed I only have XXXX account and it ends in XXXX and that Transunion should be able to remove my account since it was confirmed with XXXX XXXX that I only have XXXX account. TransUnion wont confirm the removal of the account in XXXX.
Product: Money transfer, virtual currency, or money service

Approximately 5 months ago, Cashapp closed my account but never explained why. I have spoken to 4 reps and 2 managers and still have not gotten results.
Product: Debt collection

I moved out of this apartment in XX/XX/XXXX, I was told by the management that I would receive an email with instructions on how to pay what I owed. In XX/XX/XXXX. I received a call from someone claiming they were with management & that I owed {$13000.00} because they could not rent the apartment since XXXX. This complex showed online that they were 95 % full and that this apartment was rented from XX/XX/XXXX until XX/XX/XXXX. I requested proof of this balance I owed & I was sent an email from the corporate office of the management company telling me the amount I owed with NO invoice. I request an invoice and proof that the apartment sat empty & unrentable from XX/XX/XXXX to when I was contacted in XX/XX/XXXX. I was told that was not possible and to pay the amount. The day after I received said email this debt showed up on my credit report from a collection agency.
Product: Credit reporting or other personal consumer reports

Account # XXXX Southwest Credit System Amount : {$500.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. This inaccurate information reporting to my credit report is a direct violation of my consumer rights. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian ad XXXX were sent dispute letters of payment history on the following accounts that have been reported as " late ''. They have violated the FCRA Laws and reported inaccurate payment history on my reports. I need them to have them updated as pays as agreed. 
They have violated my consumer rights on accounts for XXXX XXXX and for XXXXXXXX XXXX 
The following laws have been violated and they need to be corrected now. 

15 U.S. Code 1666 B Section 604 Correction of billing errors 15 U.S. Code 1681 Sec 602 Permissible purpose of consumer reports.

15 U.S. Code 1681 Sec 604-2 15USC 1681 S-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If any person knows or has reasonable cause to believe that the information is inaccurate. 

You are PROHIBITED BY LAW to furnish inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and UPDATE This Erroneous, Inaccurate reporting on my accounts from my Consumer Reports.
Product: Debt collection

PLEASE REMOVE FROM CREDIT REPORT I DID NOT RECIEVE NOTHING ABOUT THIS DEBT BEING OWED. I DID NOT SIGN NO DOCUMENTS STATING I OWE THIS. THIS IS INACCURATE
Product: Credit card

I recently missed a payment with Capital One in XXXX and XXXX 2016. I began receiving harassing calls at my place of employment regarding the missed payments. I agreed to setup a payment with Capital One and discovered my account was restricted due to alleged fraudulent activity on my account. I spoke with several agents that were unable assist in helping to explain this issue. I spoke with a supervisor XXXX XXXX on XXXX XXXX, 2016 regarding the fraudulent issue surrounding my account and was advised to provide documentation regarding a suspicious address change XXXX XXXX, 2016. 
I have n't reported any suspicious activity on my account I just missed XXXX payments on my account. I have n't requested to change my address on my account. I have n't had any issues until now that I have missed XXXX payments but, my account has had perfect payment history including an increase of my limit on my account prior to XXXX 2016 before I missed those payments in XXXX and XXXX. Why is my account restricted? Why is it that your supervisor that is paid to provide answers and represent your company in a professional manner ... .CANT! I 've always made my payments online via my checking account info which verifies who I am ... or over the phone. I do n't understand. My contact phone number may be outdated on file because my number has changed but, my address remains the same. I can provide a recent statement delivered to my current address. 
I have verified my info with several agents, my account was verified at my initial setup when I was approved for my account over a year ago, I receive statements at my current address and calls at my place of employment so, why is my account restricted?? but, XXXX refused to provide a Customer Relations Mgr 's contact information or provide an opportunity for me to address my concerns in writing ; he also refused to provide any information detailing this alleged fraudulent activity. I 'm disgusted that as your customer I 'm being treated like a criminal and being refused access to the account I am liable for and that is still currently being reported to my credit report on a monthly basis. I am uncomfortable with forwarding my SS card, ID and other personal information to Capital One when they ca n't ensure that my account or my information is SAFE or provide me with any explainations as to what is happening with my account besides that " my address was changed to a suspicious address '' without my consent but, I have to forward info ... .although I have n't reported any suspicious activity with my account ... ..why was my account singled out?? I need some answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

We uploaded documents to Experian in XX/XX/2023 for XXXX XXXX  sons to freeze their credit reports. I received response letters from Experian with random names- one a girl and another boy. We suspect fraud. Trying to confirm their credit is frozen, add alerts on their files and get assistance us with a resolution. I can not reach anyone at Experian. We have no association with the other XXXX XXXX listed and they violated those children 's privacy on the letters they sent too. We are concerned this sensitive information was stolen or my children 's names were sent to someone else. No problems with XXXX XXXX and XXXX.
Product: Debt collection

I had a Gap card which I paid off and this collection company kept harassing me to make payments that I don't owe. This is reflected in my credit report and I don't owe them any money.
Product: Checking or savings account

Oh WELLS FARGO. Wells Fargo offered me a Mediation Request because of an ongoing conflict with them. The best part- they offered me a Mediation Request back in the fall. But, when I opened up my first CFPB with Wells Fargo, the report submitted back to you was false. A true lie. I have the case number that you closed, but it was closed with a response by me that the report was a lie. I received a letter on XXXX stating a mediation request was put in by me and it will be completed within 30-60 days. I received a message on XX/XX/XXXX, and the person ( I have the voice mail ) who will be in charge of the mediation from Wells Fargo. I have called five times and left voice mails. It goes straight to her voicemail. When I returned home from work on XX/XX/XXXX, I received the letter saying if I don't respond, the mediation will be closed. I was so angry because I have responded by phone call multiple times, I called immediately. Someone answered, I gave my information, and they said they will go speak with XXXX immediately. She came back, and said 'she is in a meeting ' and will call you back tomorrow. She asked what time zone do you live in? I was shocked that you don't know when you have the investigation opened. I gave her the information, and no phone call on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... This is a big deal because receiving the letter that it will be closed, and XXXX, does she exist. This has a connection that is closed with Consumer Finance XXXX, where Wells Fargo lied to you in their closing report back to you. So, now I have 2 problems with Wells Fargo ... 1 ... The lies they sent back to you. 2. The person in charge of the mediation does not do her job. They lie, they lie, they lie...
Product: Vehicle loan or lease

On XX/XX/2020 I, XXXX XXXX XXXX, entered a consumer credit transaction in which I was the creditor and the seller with Carvana. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also failed to give me any material disclosure disclosing that I have a right of rescission.