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

In regards to the creditor Credit Acceptance account # XXXX This item has been disputed numerous times it was removed from my credit report back in XXXX of XXXX from a dispute that went into collections. Then was re-inserted to my credit report as an active open account as of XX/XX/XXXX. I contacted the creditor XX/XX/XXXX to validate the debt and was informed that the account has been in there internal collections department since XXXX of XXXX. I mentioned to the claims dept specialist that they removed the account from my report for 2 years being in collections and that they were reporting false information to the bureaus. They have been reporting late payments since XX/XX/XXXX knowing that the account was in collections. I mentioned how an account can not be in collections and treated as an active account, and his reply was it is an active account in our internal collections department. Reporting false information is a violation according to the fair credit reporting act. I also contacted the three bureaus in regards to this matter XX/XX/XXXX which led to another dispute with each bureau. Also on my report there is no history of previous dispute investigations. Which is another violation, I would dearly appreciate your assistance in this matter. I'll also be attaching the supporting documents from my credit report from XXXX Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This is my follow up to notify you that I am a victim of erroneous reporting and I submit to dispute this account in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of this account in my credit file that resulted from an alleged erroneous reporting. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on this is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX : XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} -- -- -- -TRANSUNION : XXXX XXXX XXXX Balance : {$920.00}
Product: Credit card

I booked a XXXX vacation for my family to celebrate my daughter 's XXXX birthday. My wife and I spend several hours on the phone with XXXX travel staff asking questions on the various resorts. We requested an all inclusive resort with beach front but were sold a resort that does not have a beach. This resort was rated XXXX stars during the peak season but is down to just XXXX stars. This sale was fraudulent and totally misrepresented. I attempted to contact the CEO at XXXX but my letter was rejected. AMEX is just closing this case and walking away at this point. As my credit card company AMEX should be looking out for me and supporting my claims in this case. I request your investigation, review and oversight of this dispute as I am being given a run-a-round.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD SOME LATE PAYMENTS ON AN ACCOUNTS THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF XXXX ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX CARD ) ( XXXX ) ( NAME : XXXX XXXX  ) ( NUMBER : XXXX ) PLEASE INVESTIGATE AND PROVIDE PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THOSE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS
Product: Student loan

I have already submitted a complaint ( XXXX ). In that complaint, XXXX stated since I applied for loan forgiveness with ACS, they can not speak to the information they provided. They also stated that my XXXX XXXX loan was originated under the Federal Family Education Loan Program ( FFELP ) and was never eligible for this forgiveness program. That is false. On the website, https : //studentaid.gov/articles/teacher-loan-forgiveness-options, it directly states that teacher loan forgiveness Forgives up to {$17000.00} of your Direct or FFEL Subsidized or Unsubsidized Loans after 5 complete and consecutive years of teaching at a qualifying school. Since ACS/Conduent Education Services , LLC ( CES ) has closed down due to faluty practices, who do I contact about getting a restitution payment for the {$17000.00} I am owed for teacher loan forgiveness? From my research, I have learned : Conduent, formerly known as ACS Education Services, is no longer servicing student loans and The CFPB ordered the company to correct unfair loan servicing practices by adjusting principal balances and repaying affected borrowers. Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  a dispute letter was mailed to experian which i can see they have received. I have yet to get any response into my dispute regarding collections listed on my personal credit report.
Product: Money transfer, virtual currency, or money service

On Wednesday, XX/XX/2023, I'd Cash App {$300.00} to my receiver, and he is unable to cash it out, as there is nothing wrong with his bank account. He file a complaint with Cash App ( XXXX ), and they were unable to tell him why he can't Cash-Out the monies. They told him that they cancelled his account and put in a XXXX # XXXX, and that he will hear from a XXXX via email,. Well to date, the money {$290.00} ( $ XXXX {$8.00} Fee ) is still in limbo in the App, on his phone ; and no one has emailed him of the status of his complaint. My bank states that they can not return my monies to me, as this was a Cash transaction. Please help me get my full {$300.00} back from Cash-App. 

Thank you.
Product: Debt collection

Once again I'm sending a complaint in for XXXX  XXXX XXXX about reporting on my consumer credit report without my consent. On XX/XX/2021 I reported improper use on my credit report by XXXX  XXXX XXXX to the CFPB, they responded back saying it's a unauthorized third party on XX/XX/2021. I am the consumer XXXX XXXX sending these unlawful practice information being use by XXXX  XXXX XXXX. Please remove all Great Lakes account from consumer credit report information. According to FDPCA, XXXX  XXXX XXXX violated 15 U.S.C 1692 ( c ).
Product: Student loan

On XX/XX/2013, I had a terrible fall and XXXX I did not have health insurance at the time, so this accident amounted to about {$120000.00} in medical bills. I was out of work for approximately 9 months total ( XXXX ). Consequently, I became very behind on a lot of bills and eventually was forced into bankruptcy. I had tried SO many times to EITHER get my payments deferred or get a temporary relief from payments due to XXXX. My XXXX filled out the proper paper work for me, stating it would be at least 6 months until I could work full-time again. Navient REFUSED to give me ANY kind of relief. They would not let me have any lowered payment or deferment " because my loans were consolidated after the cut-off date '' they 'd imposed. They refused any time of XXXX help. 
This is not all. Of all of the creditors that called, Navient was the most persistent. From XXXX until " quitting time '' at about XXXX EVERY DAY. Even the hospitals ' collection agency was not as persistent! This, in addition to trying to not XXXX so I could heal, was horrible! In fact, my XXXX is STILL not healed after over three years! 
As they were part of the bankruptcy, the Trustee gave them a payment of approximately {$3000.00} so they are telling me that I do n't have a payment for awhile. I do n't think that it 's a coincidence that they 're doing this just as their company is under scrutiny and law suits?!
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint trails on a previous complaint, recorded with cfpb as complaint number XXXX. But it is not a duplicate. In my previous complaint, I complained that my credit report was not updated in real time and a dispute resulted in a " verification '' that it was accurate. As I understand the furnisher 's policies, they update reporting once each month. A review of my credit report history with XXXX confirms this representation and I have been patiently waiting for it to update. The reporting history indicates that this updating has taken place on or about the last day or first day of every month since I opened the account. Moreover, in the response to complaint XXXX, the furnisher explained in detail that " We identified that we previously received the same dispute request from you directly on XX/XX/XXXX and from a consumer reporting agency on your behalf on XX/XX/XXXX. At that time, we investigated your dispute and mailed you the enclosed letter dated XX/XX/XXXX and provided a response to the consumer reporting agency. '' Notwithstanding the aforementioned, my XXXX report has remained without update since XX/XX/2023 ( see attached entries ). This is not only despite that both XXXX and XXXX have been updated, but that the absence of an update for XXXX is inconsistent with the furnisher 's explained policy as verified by the history of reporting on the account. Today is XX/XX/2023, and the account is not reported for XX/XX/2023. According to XXXX, they are waiting on information from the furnisher. Because a balance is being reported by the furnisher, my credit utilization is calculating incorrectly for credit scoring purposes.
Product: Vehicle loan or lease

I refinanced my XXXX XXXX XXXX through Upstart in XX/XX/XXXX. In XXXX I traded the vehicle into my employer XXXX XXXX of XXXX Texas. Ally was the original lien holder who confirmed that they sent the title to Upstart on XX/XX/XXXX electronically. I had to call to verify this because the representative lied to me and to XXXX stating that they did not have the title. When I called Upstart back I received another representative that confirmed they have had the title since XX/XX/XXXX. XXXX afterwards submitted the payoff to them on XX/XX/XXXX. They are not wanting to cooperate in releasing the title to XXXX since it has been paid off.
Product: Debt collection

I HAD RECEIVED NOTICE FROM THIS DEBIT COLLECTOR AND I CALLED TO DISPUTE THE ACCOUNT ASKING FOR FURTHER DETAILED INFORMATION. I WAS TOLD I WOULD RECEDIVED A DETAILED EXPLANATION OF THE BILL. I NEVER RECEIVED THE REQUIRED INFORMATION. TSC CHOOSE TO INSTEAD REPORT MY ACCOUNT TO THE CREDIT BUREAU.
Product: Credit reporting

I am a victim of identity theft. Apparently on XXXX XXXX, XXXX an account was opened in my name with XXXX on the XXXX XXXX of FL where we have never lived ( as per XXXX XXXX, of XXXX., the collection agency XXXX ). I filed a notarized " Identity Theft Victim 's Complaint and Affidavit '' on XXXX/XXXX/XXXX and took it to the XXXX XXXX Police where it was filed by Officer XXXX XXXX with case # XXXX and received a confirmation letter back from XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX ( XXXX phone number XXXX ). Both XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX ) have deleted this false information. My complaint is with Equifax. It is impossible to contact them without a confirmation number that they never supplied ( only a file number XXXX, XXXX XXXX, XXXX XXXX which they wo n't accept. Their online email dispute resolution form, which does not require the confirmation number, is driving me nuts. I 've filled it out three times with all the requested information but when I press Send I get the frustrating and disgusting message back " server Equifax.ai.com '' can not be found. Please help and report how this XXXX agency is absolutely miserable. They should have their license revoked!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN VERY CLEAR AND PATIENT, I HAVE CALLED XXXX AND XXXX AND THEY HAVE ASKED ME SECURITY QUESTIONS AND VALIDATED MY ID BUT I AM NOT ABLE TO LOG ONTO MY ONLINE ACCOUNT I HAVE ALSO BEEN UNABLE TO GET THE FRAUD STATEMENT REMOVED.. SO I WILL SAY IT AGAIN CLEARLY AND I HAVE ATTACHED MY NOTARIZED LICENSE AND BANK STATEMENT, WHAT OTHER PROOF DO YOU NEED? 

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. REMOVE LATE PAYMENTS, THOSE ARE BILLING DISCREPANCIES. HOW DID I GO FROM XXXX AND UP ON MY SCORES TO XXXX? SOMEONE IS PLAYING GAMES. 

3 THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS EXPERIAN BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

4. UPDATE AND SUPPRESS NEGATIVE INFORMATION 5. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. CLARITY SENT ME A PAPER WITH NO CODE BUT LISTED I NEEDED A CODE TO UNFREEZE. HOW CRAZY IS THAT, IT WILL BE ATTACHED.

6. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS AS IT IS MAKING IT VERY DIFFICULT TO GET THINGS CORRECT. REMOVE IT IMMEDIATELY AND UPDATE MY REPORT. 

I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE EXPERIAN... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATE. I AM SICK OF THIS. 
15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Checking or savings account

Bank of America closed our bank account with no warning. Now they refuse to give us our money till everything is done. That date is XXXX. We have no money and my husband gets paid once a month. Stressed out to say the least
Product: Checking or savings account

I received an email from XXXX on Mon, XX/XX/XXXX, at XXXX, stating : " We would like to inform you that temporary restrictions have been placed on your Skrill account.

To help us get the restrictions lifted, please could you provide us with a few details : What are you mainly using your Skrill account for?

What is your relationship with the recipients of the payments you make with Skrill? 
What do you mainly receive money for? 

To send us the information, please reply to this email. 

Should you have any questions please contact our Customer Service team. '' I responded on Tuesday, XX/XX/XXXX at XXXX with the required information. 

I received a response a minute later that said they would respond within the next 24 hours. 

I have since followed up via email asking for any updates, on both XX/XX/XXXX and XX/XX/XXXX. I have not received any response and my account remains locked. I have {$4500.00} in that account that are locked. I need access to those funds to pay my bills. I am unable to withdraw the funds and have not received a response from Skrill after several attempts to reach them.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was trying to issue a refund for {$6.00} on a transaction completed on PayPal business. Payals system gave me an error saying it didnt go through and to try again. I did this a few times with the same error ( I captured image of this once ). Follow up realize that afternoon PayPal has now taken {$6.00} out of my account 4 times! Throughout this it never said it was happening and yet it did it four times.

I reached out to PayPal who tell me it is my fault. I am not technologically challenged. I followed the messages at told me to by PayPal try again. So now PayPal has unauthorized quite frankly all of the 4 refunds seeing as I never got to a confirmed state in completing them. PayPal has refused any help and a token {$10.00} credit. This is not my fault and i am offended they keep putting this on to me. They are unwilling to accept their technology flaws and many consumers would stop there. But the principle of the issue is a concern for me. What happens to other consumers who dont know how to argue with them. They need to accept they are half a technology company and technology errors on their part are not the consumers fault. 

I want them to see these issues. I want them to give me back the Money they have taken from my account ( now {$24.00} ). I want them to be accountable to looking into their technology error messages and what it does to the consumer. This is not acceptable.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFA 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under XXXX account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX,, a credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance Owed : {$100.00}, XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX  Balance Owed : {$990.00}, XXXX XXXX  Balance Owed : {$950.00}
Product: Student loan

I was a doctoral student at XXXX which is a XXXX XXXX. I am at a loss for why I would have borrowed such an exorbitant amount of money.
Product: Credit card or prepaid card

COMPLAINTS AGAINST DISCOVER CREDIT CARD I CAN NOT REFILL OUT THE FORM IM SURE DISCOVER IS QUITE FAMILIAR WITH THE PROCESS. 

ONCE YOU FILL IT OUT ... YOU CAN NOT GET BACK TO IT ... 
UNLESS THIS IS THE VERY FIRST TIME THEY ARE REQUESTING CUSTOMERS TO FILL OUT THE FORM SPECIFIED. 

UPON RECEIVING THE EMAIL I WAS INSTRUCTED TO SIGN MY NAME. 

THAT WAS IT. 
I SIGNED MY NAME IN THE SPOTS ... AND SUBMITTED IT.. WHICH I HAVE ALSO UPLOADED AS PROOF. 

YET DISCOVER STATING INCOMPLETE INACCURATE WHATEVER OTHER REASONS IF I NEED TO FILL SOMETHING OUT THAT I WAS NOT INSTRUCTED TO UPLOAD THE DOCUMENT HERE SO I HAVE PROOF OF DOCUMENTATION. 

FOR MY SAFETY AND RECORDS. 

IT SEEMS LIKE YOUR STATEMENTS ARE NOT COMPLETELY ACCURATE OR FAIR MAKING IT SEEM AS IF I HAVE TOTALLY DISREGARD ANY OF YOUR DEMANDS .... 

COMPLAINTS XXXX-XXXX  XXXX-XXXX
Product: Credit card or prepaid card

I am getting cards in the mail that I didn't apply for. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I was notified by target a week or two ago and now all these other cards are coming. I have three accounts. 
I have XXXX XXXX  XXXX XXXX and XXXX  I have other cards but they are all jeopardize at this point. Someone has all my info The Information attached to one of the accounts was Email- XXXX Phone- XXXX