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

My credit report from the year XXXX shows student loans opened on XX/XX/XXXX, under an installment account which was updated on XX/XX/XXXX and closed on XX/XX/XXXX with an outstanding balance of {$29000.00}, which were transferred over to the lender XXXX. I spoke to XXXX  and called them at XXXX, after receiving a letter from XXXX indicating I had started a dispute with the credit bureau Experian and XXXX  and in order to continue disputing this charge due to identity theft, I needed to contact my lender, which is XXXX. I spoke to an individual by the name of XXXX on XX/XX/XXXX and she was not able to answer my questions as far as what schools was this consolidation pertaining to. I mentioned very clearly the only schools I have attended have been XXXX XXXX XXXX XXXX in XXXX XXXX, TX ( it has been shut down and I never received my XXXX XXXX XXXX on the mail ), XXXX XXXX in XXXX XXXX, TX and XXXX XXXX XXXX of XXXX XXXX. I only took a few classes at each school. She did not have any further information. My student loans are in good standing because I have been paying for them and right now they are in forbearance due to the Covid crisis. The student loan consolidation is very suspicious and I mentioned to XXXX from XXXX very clearly those student loans from XXXX are not mine. She did not know what to say. She promised to follow up with me and submit a claim, and I have not heard from anybody. My identity has been stolen since XXXX. It has been stolen on several occasions with the purpose to open fraudulent bank accounts, fraudulent email accounts, fraudulent payday loans, personal credit lines, and student loans. I have disputed a fake address on my credit report from Experian, XXXX  and XXXX  as well as unknown telephone numbers. Fake email accounts have been open under my name as well. 
I have filed a police report already with the XXXX XXXX Police Department, the Federal Trade Commission and the Social Security Administration. I have also placed alerts, freezes and locks on the 3 credit bureaus. 
I have not received any response from XXXX and they are failing at complying with this identity theft investigation. 
Another problem has been the company XXXX. I have contacted XXXX for a solution regarding my identity theft situation and they have not complied to provide to me with the information I need to submit to my local law enforcement and pertinent authorities. They have not even attempted to send me a letter with steps on what to do or even a phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX  Act. # XXXX XXXX   XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE
Product: Credit reporting or other personal consumer reports

I am following up to update you on my recent complaint and to reiterate my dispute regarding certain entries on my credit report. To support my claim, I have submitted an Identity Theft Report # XXXX, aligning with the requirements of FCRA section 605B ( a ) ( 1 ) ( 2 ). This mandates the removal of any entries identified as fraudulent from my credit file within four business days upon receipt of ( 1 ) appropriate proof of my identity and ( 2 ) the identity theft report. The entries still pending removal are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX I emphasize the four-business-day timeframe for the removal of these fraudulent entries from my credit file. Additionally, I request the avoidance of automated verification processes like XXXX and ask for the results to be sent to my provided address.
Product: Credit card or prepaid card

Received an unsolicited Capital One XXXX credit card bu overnight mail. The cover letter states that the card is activated. I do not want this card and demand that it be immediately " unactivated '' and cancelled.
Product: Checking or savings account

I need to dispute 2 transactions made with my debit card ending in XXXX from XXXX XXXX, the problem is that the bank closed my account a few weeks ago and they are unable to help my by customer service. 
The transactions are : XXXX ) XXXX  " XXXX XXXX '' made on XX/XX/XXXX {$1000.00} XXXX XXXXXXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered XXXX XXXX XXXX " XXXX XXXX '' made on XX/XX/XXXX {$760.00} XXXX XXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered. 

It looks like the merchant is not on the business any more.
Product: Money transfer, virtual currency, or money service

I filed a dispute with Paysafe/SKRILL on XX/XX/XXXX for {$300.00} arising from an error with my SKRILL Visa. I submitted all required paperwork and on XX/XX/XXXX I received an email from PaySafe Disputes stating they had issued a temporary/provisional credit to my account. Upon checking I noticed that NO FUNDS were in my SKRILL ACCOUNT. This was the first time I reached out to Skrill to inquire where my money was. I spoke to customer service and was advised they would escalate the issue to the appropriate department. I assumed they would address and correct the problem and have the funds credited to my account by the following Monday afternoon- NOTHING, so I called SKRILL support again to inquire and got the same answer, my issue would be forwarded/escalated to the appropriate department. Then came Wednesday, and Thursday, and Friday... each day contacted support, each day received the same answer. This has been going with the same outcome each time, ESCALATION, NO CREDIT..ANGRY! And now as of the XXXX XXXX XXXXXXXX I received another email from the disputes DEPARTMENT stating they determined that AN ERROR DID OCCUR and the previous credit ( I never got ) would be considered permanent. And guess what? Still NO CREDIT ... .I HAVE BEEN IN CONTACT EVERY SINGLE DAY SINCE THE XXXX XXXX XXXX XXXXXXXX TRYING TO GET MY MONEY, WHY HAVENT THEY GIVEN MY MONEY? They keep saying a 'technical ISSUE ' is preventing the credit to my account! A multi billion dollar company with locations all over the world, that handles and makes financial transactions and they cant handle a small consumer account like mine and have not even sent me one proactive message to let me know what is going on. I'm angry and want my money. They are keeping it from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an acct on my XXXX that I never owned. They site Citi Bank as the original creditor, but Citi Bank has verified that thy have no record of any accounts for me. I have never had an account with Citi Bank. I filed a police report for fraud and provided it to XXXX XXXX, but they still refuse to remove the account from my credit file. The date of the City Bank account is XXXX XXXX, {$3200.00}.
Product: Checking or savings account

On XX/XX/2023 I closed my Capital One 360 checking account due to a check failing to properly deposit within account. Upon closing out my I was told I will receive my check within XXXX to XXXX business days. Today is XX/XX/2023. I have yet to receive my closeout check of almost {$3500.00}.
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 : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit card or prepaid card

I paid my Macy 's credit card on XX/XX/2018 through XXXX XXXX XXXX checking account XXXX, the total amount is {$500.00}. ( attachment 1 ) On XX/XX/2018 XXXX XXXX XXXX told me my checking account had a risk of fraud transaction, and on XX/XX/2018 I closed the checking account XXXX ( attachment 2 ) Macy 's insisted the payment return to my bank during the XX/XX/2018. and asked me to provide bank statement of XX/XX/XXXX.-XX/XX/2018. I talked to XXXX, they tell me they can only provide me the closing document to show Macy 's and it is impossible to receiving any money to a closing checking account. 
Macy 's didn't try to find out a way to find out my money and keep asking me to provide information I couldn't. so here I provide all the evident to approve I didn't receive the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

SSA wasn't supposed to report I had a waiver stating they wouldn't report to credit company. They reported it in 2020 when I finally got back on SSDI.I only had to dispute it once with other credit report they removed almost immediately. But, experian it has been over 7months now.I 've been in touch with SSA at first they said they couldn't find waiver but then they found in my old file. They said they was gon na get in touch with experian and let them know to remove it .just got done disputing it again they say it right .I am tired if going between these companies .I 'm trying to get a loan.to consolidate my bills .my scoreisl
Product: Credit card or prepaid card

I have one Barclays Miles and More card and am eligible to earn Miles and more reward points on this card. To keep my rewards from expiring I need to use my card regularly - earn points for using the card and keep my reward points active. Inspite of me having a transaction done on XXXX XXXX that earned me XXXX points, my XXXX points expired. I tried connecting with the bank and miles and more customer service in XXXX when my points expired and was promised that the points were be reverted. However till date ( after multiple follow-up ) the bank has not credited the points back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Accounts # XXXX National credit systems, has violated my rights. 

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX has violated my rights. 

1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Bank Delaware is reporting as unverified, unvalidated account on my XX/XX/XXXX credit report. 

Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unXXXX XXXXknown items. Please remove these fraudulent accounts from my report. Thank you.XXXX   XXXX {$1700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX  XXXX {$18000.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX  XXXX {$670.00} XXXX XXXX XXXX {$130.00}
Product: Debt collection

This is concerning disputed, illegal and abusive debt collection tactics for XXXX dates of service for XXXX XXXX. Credit Collection Services is aware of my dispute yet they continue their illegal behavior. As for the dates of service, one is for XXXX  services on XX/XX/XXXX which Credit Collection Services is falsely stating I owe {$460.00} even though their client, XXXX XXXX never filed a claim with my insurance company. The other is for XXXX  services on XX/XX/XXXX in which Credit Collection Services is falsely stating I owe {$17.00} even though their client, XXXX XXXX never filed a claim with my insurance company. I have had the same insurance ( XXXX  ) since XXXX so there is no excuse to why the claims were never filed. Their client, XXXX XXXX filed with my insurance and were fully paid for XXXX other separate claims in XXXX so they definitely had my correct insurance information. I didn't owe anything for the claims as I had hit my maximum out of pocket for the year. They simply neglected to file claims for the XXXX dates of service and are attempting to collect the full amount, as if I didn't have insurance, which I did. I spent an hour on the phone with my medical insurance company, XXXX  and they verified that XXXX XXXX NEVER submitted claims for the services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has now sent these XXXX false bills to Credit Collection Services ( CCS ) and they are harassing me and family members with phone calls and sending me threatening letters. I have filed complaints with the XXXX  & the MA & TX Attorney General 's office against Credit Collection Services and against XXXX XXXX with the Texas Department of Insurance. Texas has a timely billing law. It requires health care service providers to bill insurance no later than the first day of the XXXX month after services were provided. If the bill is not sent within the time frame in the law, the health care service provider can not try to collect payment for certain charges. This includes : charges a patient could be reimbursed for by a health plan and charges that a patient would not have owed if the provider filed a claim in a timely fashion. I disputed the validity of the debt that CCS is attempting to collect. Upon researching CCS online, I found an astonishing number of reports where they illegally reported medical debt that was not actually owed at all to the credit bureaus and refused to correct their illegal reporting even though the CFPB told debt collectors and consumer credit reporting companies that they cant collect, furnish, or report any invalid medical debt. There are also many reports where CCS retaliated against consumers for filing complaints by illegally reporting false debt to the credit bureaus and refusing to remove the false information. The CFPB has received an enormous amount of consumer complaints against CCS and I pray that the CFPB will take action to stop this abuse.
Product: Credit card or prepaid card

We have always paid our bills and have used the convenience of auto pay. Our Citizens Bank Mastercard was paid out of our Citizens Bank checking account. Then in XXXX of 2023 we noticed our bill which should have been paid around the XXXX wasn't paid. My husband called Citizens Bank Card service and made arrangements to pay that bill and the {$29.00} late fee was credited. The same thing happened again in XXXX even though the autopay authorization to pay the statement balance was in place no funds were taken no statement was paid. My husband again called to find out why our payments were not accepted for payment and the representative said that there was a change in the bank 's routing number, which was unknown to us, we were still using our personal check which had the old routing number. My husband made arrangements to pay the XXXX bill on XX/XX/2023 using the funds from our designated Citizens Bank account and included the XXXX statement as well, the total paid over {$3500.00}. My husband tried to update the routing number on the autopay form on that day, it obviously didn't take because no funds were taken out for XXXX 's statement. The Citizens Bank has charged us {$130.00} in interest and levied bank fees and late charges {$69.00}, all because they changed a routing number and refused our attempted timely payments, and not properly finding a solution when we first contacted them in XXXX. We are more than ready to pay but they won't accept our payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to the XXXX that the addresses listed on my credit report is and and never has been my address. They refuse to remove it saying that my bank reporting the address. I contacted my bank and they DID NOT report the address and the address shows NO where on any of my accounts with them. The address is XXXX XXXX XXXX XXXX, TX XXXX The only address that is correct and should be showing on my credit report is XXXX XXXX XXXX XXXX  XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint with absolute certainty and extreme frustration regarding the numerous errors on my credit report. These inaccuracies have severely impacted my life and credit score, preventing me from achieving financial stability and freedom. Despite my efforts to address this, the situation remains unresolved. Additionally, I am deeply concerned that some of these errors may be linked to fraudulent activity. I have noticed accounts and transactions that I have no knowledge of, suggesting unauthorized use of my personal information. This is a blatant violation of my rights as a consumer, and I refuse to accept the continued damage caused by these inaccuracies.
Product: Debt collection

Credit Report shows collection agency WAKEFIELD & ASSOCIATES was reported XX/XX/2023 for some kind of XXXX XXXX XXXX. I have not had this service and have not been contacted in any way by the original creditor or the collection agency. I only was made aware when reviewing my credit report. It has now reduced my XXXX credit score by XXXX points! Please help.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} Late/Open
Product: Credit reporting or other personal consumer reports

My husband and I struggled to pay our mortgage at the end of XXXX. After being delinquent for 60 days, we withdrew almost everything from my husband 's XXXX to get caught up. XXXX XXXX never once offered us information about Loan Modification. We had to wire over {$9000.00} to XXXX XXXX to ensure we did not go into foreclosure. Due to the amount of time it took to secure our XXXX, as XXXX required letters from XXXX XXXX and other documentation, the amount we owed kept changing, making it more difficult to catch up. Finally, in XXXX or XXXX of XXXX, a XXXX XXXX finally mentioned loan modification, which we qualified for. The {$9000.00} was applied to the next 4 months of mortgage payments, ensuring we are caught up until XX/XX/XXXX. However, XXXX XXXX continues to report us as being late. We were told via phone that they would dispute the last 3 ( now 4 ) months of missed payments. Our credit score is in the XXXX, and it's very frustrating. In our opinion, XXXX XXXX is a terrible mortgage company. They are not transparent or truthful. We filed a dispute with XXXX on XX/XX/XXXX, but nothing has been updated on our credit report. Yesterday, XXXX stated that our dispute was closed on XX/XX/XXXX.