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

I am trying to unfreeze my credit report and Experian says I have a pin number and I do not know or remember what the pin number is. Experian is advising me I either have to send my ID in the mail or upload it online, that seems ignorant since I am a victim of ID fraud already and by doing either of those actions seems like a non secured method. The Funny thing about the entire situation is that when I called XXXX XXXX and XXXX the process they used to unfreeze my credit report was simple and very customer friendly and they processed the temporary unfreezing of my credit instantly. Experian uses a Outsourcer for there customer service also and the way my husband and I were treated was poor at best, companies should be more willing to help consumers and not be constrained by unrealistic or non friendly policies. All I want to do is unfreeze my credit temporarily and then re-freeze it and Experian is completely unwilling to assist me with this unless I jump through several hoops
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1900.00} Reported balance I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

I downloaded the XXXX XXXX app to get started on my future and see what all i needed to get to start my future and noticed my credit score was low. I looked and noticed a charge id never been aware of and a price id never seen before, {$860.00} to XXXX XXXX. Id not Received anything in my hand or mailbox saying that i was being charged this amount. I received 1 bill from XXXX XXXX. days after trying to resolve the situation. I called my medical provider and they told me nobody tried to file to bill them for this even tho they are my primary health care provider.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven on XX/XX/year> but MOHELA has still not reported this to the credit reporting bureaus yet. The total amount forgiven is {$93000.00} but it is still showing on my report as a personal loan
Product: Debt collection

I was contacted by ONLINE information services on XX/XX/XXXX  about debt for utility service for {$1900.00} by XXXX. 
I've never lived at the address provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX though my name and SSN was used to create the XXXX account. 
I've contacted the XXXX this morning, and explained my situation and was referred to your website and they are going to open ticket to investigate this problem. 
I also have been told to make a police report for ID stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the Equifax Data Breach on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX # XXXX, TN Child Support  # XXXX, TN Child Support # XXXX, XXXX XXXX XXXX # XXXX and XXXX # XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate, customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fund transfer act. ( EFTA ) and regulation E space these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I have a issue with a hard inquiry on my credit report. I have contacted both Experian credit agency as well as XXXX XXXX XXXX. Neither of them can fix the issue and I have no further options. The issue is that Experian is showing a hard inquiry on my credit report and they are showing that XXXX XXXX XXXX are the ones that pulled my credit report. I have never had any business or accounts with them. I called Experian to get it removed and they told me I had to go through XXXX XXXX XXXX. So I call XXXX XXXX XXXX to get to the bottom of this and XXXX XXXX XXXX can not pull up anything on me, using every piece of information I could give them. I DO NOT EXIST To XXXX XXXX XXXX. I told them I needed them to contact Experian for me and have inquiry removed from my report. XXXX XXXX XXXX would have been happy to do so but told me they were unable to do so because they have nothing to start with to start any kind dispute for me. So I call Experian back and tell them XXXX XXXX XXXX has no information on me to even settle a dispute. I asked them to remove the inquiry from my report and they told me they cant do anything without a document from XXXX XXXX XXXX saying that they didnt pull my credit report and that it is a mistake. And XXXX XXXX XXXX cant send that document to Experian because they have absolutely no information on me to generate a report and document. So I am stuck with a phantom inquiry on my credit report that neither Experian or XXXX XXXX XXXX can explain to me. So please I need your help in contacting these companies on my behalf to get them to resolve this issue for me. 

The date of the inquiry was XX/XX/XXXX I have contact both Experian and XXXX XXXX XXXX on the telephone on todays date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Charges were accepted even after they were disputed ( XX/XX/XXXX ). I was not notified by mail ( statement ), phone or email. Found out XXXX  months later, after credit score dropped. Company has finally agreed to take charges off, but will not fix credit reporting issue. 
XX/XX/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} Due to Bookkeeping Error with Company continued to charge late fee and interest, thru XX/XX/XXXX. 
Started dispute process in XXXX ( as soon as realized ) and not resolved, fees mounting and credit reported.
Product: Credit card or prepaid card

XX/XX/19 I have purchased a pre paid card from XXXX in XXXX Iowa. I put {$40.00} on the card at XXXX. I went to activate it and it wouldnt work so I call the helpline and tried it through a XXXX ( the employee ) she said she couldnt help me Im not eligible for the card. So I asked why and she couldnt tell me. So I asked for the Superviser and finally a male came on and told me I wasnt eligible Because I had a card previously With them and it had suspicious activities on it and that made me not eligible. So I asked how can they sell pre paid cards to the public if some are eligible and some arent. That doesnt make any sense. Thats what prepaid cards are for. The man told me there is nothing more they can do for me and I will receive a check in 7 to 10 business days..
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been requesting that Experian provide me with the proof of their right to report UNverified accounts on my credit file in the form of physical contracts stored within their computer database. I submitted requests disputing these UNverified accounts via certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every account I disputed was investigated by Experian and the results were " verified ' and updated, however Experian did NOT provide me with their method of verification and they FAILED to provide me with the copies of any original documentation of a physical consumer contract with my signature on it. Accounts I am disputing : # 1 XXXX XXXX open date XX/XX/XXXX original amount {$1600.00}, # 2 XXXX XXXX open date XX/XX/XXXX original amount {$6000.00}, # 3 XXXX XXXX open date XX/XX/XXXX original amount {$3500.00}, # 4 XXXX XXXX open date XX/XX/XXXX original amount {$2700.00}, # 5 XXXX XXXX open date XX/XX/XXXX original amount {$4200.00}, # 6 XXXX XXXX open date XX/XX/XXXX original amount {$790.00}
Product: Student loan

This is a followup to case XXXX which Sallie Mae responded to and you closed without input from me. Their response was misleading and downright false. I replied with this feedback, thinking it would reopen the case. I have now learned that I must submit a new complaint, which is somewhat confounding. I have consolidated my loan with another company since Sallie Mae engages in dishonest practices. Here is the content of my feedback to the initial complaint : " I have verified with XXXX XXXX from Sallie Mae 's legal department that NO FIXED RATE OPTION WAS GIVEN DURING MY APPLICATION PROCESS. XXXX XXXX claims that my school ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) was the reason that I did n't have the option, that the school only allows them to offer Variable Rate Loans. According to XXXX XXXX at XXXX, this is false. Logic also dictates that this is completely false. The school has no control over my private loan. I have no idea why XXXX XXXX would tell me such a fabrication but I 've contacted my state rep and Senators and plan to introduce legislation to outlaw this type of corruption and banks taking advantage of students. To repeat : XXXX XXXX from Sallie Mae 's legal department confirmed to me in a telephone conversation on XXXX XXXX, 2017 that I was never offered a fixed rate and said the reason was because my school ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not allow Sallie Mae to give students fixed rate loans. XXXX XXXX with the Financial Aid dept at XXXX disputed this in a phone call on the same date. " We have no control over it. It 's a private loan. That does not make any sense '' was her exact quote. I have attached screen caps from a new loan application for XXXX to show that the type of loan ( fixed rate or variable rate ) is never offered. Thank you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX , XXXX, KY XXXX
Product: Credit card or prepaid card

In my opinion, Citi/AAdvantage erroneously charged me interest and late fees when they did not provide a bill for a number of months. They converted me to paperless statements, then did not provide the paperless statements for 5 months, while interest and fees accummulated. Because I used this card exclusively for buisness travel, and because I pay my credit card bills in full, it was not unusual for there not to be a bill for a few months. 

I did not discover an issue until I tried to use the card on a business trip in late XXXX. I called the company immediately, asked them to remove all fees and interest, and paid the resulting amount in full. They continued to charge late fees and interest,. 

After numbeous contact via phone, chat, and snail mail, I finally paid the {$120.00} balance, under duress, only to avoid any dings to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After countless errors for several months blocking me from getting access to " identity works '' with Experian, I was finally able to get into the app. When I try to freeze my credit, it says that it's " unable to retrieve credit lock status ''. So I went directly to experian.com/freeze/center.html and requested to add a security freeze. After providing all of my information, I was informed that they were unable to freeze my credit at this time. They then provided me ads to pay them {$4.00} a month to lock my credit. 

Experian is refusing to comply with allowing me to freeze, and unfreeze, my credit. They are continuing to try and market their " credit lock '' services to solve my problem.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the immediate removal of fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and financial standing.

I have discovered the following fraudulent items on my credit report : I did not authorize or engage in any of the activities listed above. These fraudulent items are causing significant distress and damage to my financial reputation.

I request the following actions be taken : Immediate Removal of Fraudulent Items : Conduct an urgent investigation into the fraudulent items listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent further unauthorized access to my credit information and protect against future instances of fraud. 

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the fraudulent items.

Please acknowledge receipt of this letter and provide an update on the steps being taken to address these fraudulent items. I am asking for your assisstance to remove these fraud items in my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX unauthorized transactions were made using my debit card totaling a significant XXXX. The first XXXX were made on XX/XX/2022 in the amount of XXXX for a " XXXX XXXX '' and XXXX for " XXXX XXXX XXXX ''. The XXXX transaction was XX/XX/2022 for XXXX. My phone was stolen and either my card cloned or numbers used. I contacted Chime Bank about this. The disputes were closed in less than XXXX XXXX which isn't sufficient time to investigate XXXX transaction claims. I supplied supporting documents like the police report I filed. My identity was XXXX in XXXX and I had to file a police report due to this and freeze my credit file. They believe these XXXX transactions are also related to my identity theft and police are investigating this crime. Chime didn't review sufficiently my documents I sent and just denied all XXXX unauthorized transactions- without proper investigation. They also misquoted what I said in the dispute- I said someone had access to my numbers but not the card via my stolen cell phone. They never provided me a proper denial letter which is required under regulation XXXX I need provisional credit while a proper investigation is conducted. They just denied it without any investigation and I will seek legal action if it's not dealt with properly. I'm a XXXX XXXX loyal Chime customer and so disappointed. Please help me resolve this or it will go to court as Chime isn't following correct business practices for denial letters under regulation XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXXXXXX XXXX XXXX about a unauthorized Hard Inquiry on my report. I have sent several dispute letters to TransUnion and this issue has still not been resolved. It has now a very stressful and frustrating situation. I sent dispute letters to Transunion and XXXX XXXX XXXX. The first letter to XXXX XXXX XXXX was dated XX/XX/XXXX and the another one dated XX/XX/XXXX. I also sent a dispute letter to XXXX XXXX XXXXXXXX dated on XX/XX/XXXX and received a response letter that was dated on XXXX and another letter on XX/XX/XXXX that stated " ACCORDING TO OUR RECORDS AND THE CREDIT REPORTING AGENCIES ' RECORDS, THERE ARE NO APPLICATION OR ACCOUNT-RELATED INQUIRIES BY US FOR THE DATES YOU HAVE REFERENCED IN YOUR LETTER ''. There is no record of any inquiry made but it is still being reported to the CRA 's. I need this inquiry deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to my XXXX XXXX account that is reporting on all 3 credit reports as acct that is potentially negative. I have disputed this several times. I received a phone call from XXXX XXXX last Wednesday asking for a return phone call. I tried to return her call several times but was unsuccessful. Tonight I called again and just spoke to a different rep and asked him to see if there are any notes on my accounts. I have 2 XXXX XXXX cards. The gentleman explained the reason for the call was to advise me they have corrected the late payment showing from back inXX/XX/2015 and have notified all 3 credit reporting agencys to update my report and put this account showing as no late payments and to have it show under accounts that are satisfactory. The woman who had first contacted me was XXXX  XXXX PIN number to get to speak to a rep is XXXX. I am submitting this complaint because I do not trust experian credit reporting company to comply and follow what XXXX XXXX  is telling them to do. I have had major problems with experian in fixing my credit report to show correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I disputed several collection items with XXXX, TransUnion and XXXX. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

my personal information was used without my permission to open fraudulent bank accounts and bank inquiries. I have contacted the consumer financial protection bureau, police department, and consumer banking reporting agencies XXXX XXXX XXXX XXXX XXXX and Clarity Services to notify them of the unauthorized activity that needs to removed per federal law FCRA 609. 

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 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 XXXX XXXX XXXX XXXX XXXX