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

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I contacted XXXX, XXXX, and TransUnion on XX/XX/2023 requesting they provide me proof of my written permission or instructions for the identified transactions to be reported on my consumer report which includes : XXXX XXXXXXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX. This is a violation of FCRA 15 USC 1681b ( 2 ). Additionally, I also notified XXXX, XXXX and TransUnion on XX/XX/2023, of my request that the reporting of this information be blocked and deleted. Again their refusal to block this information is also a violation of my rights under FCRA15 USC 1681c-2. I also notified XXXX, XXXX, and TransUnion my request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ever since XX/XX/21 I have been trying to remove some reports that have been intrusive to my privacy concerning the XXXX  Case Number : XXXX, and Case Number : XXXX. I sent a dispute out to XXXX Equifax, and XXXX several times and filled a complaint to get these inaccurate items off my credit report that is a violation to the LAW. I am sad, and my family is being affected due to denial of credit, not being able to get a mortgage or even move into an apartment during this unprecedented time were in. It's stressful and scary all at the same time, and I don't know much else to do. The reinvestigation that has taken place has not been fair or accurate to my liking. So I have been doing some research. According to my research 15 U.S.C 1681, I have a right to accuracy and fairness when it comes to my credit report and thus far this LAW has been violated time and time again. XXXX, Equifax, and XXXX refuse to remove these negative items from my credit report and obey the law. I would file for litigation but I have to wait until I get some extra funds. Also, according to 15 U.S.C 1681 ( h ) this has been another violation of invasion of privacy because I never gave the authorization to report anything in the first place. Another violation is defamation to me and my family by reporting false information that is not being reported, and now I'm being frowned upon when it comes to getting a loan from the bank. This act is has damaged my reputation and is causing me to get denied from moving forward with my life. It is also, a violation of 15 U.S.C 1681, because of negligence for not doing a proper investigation. I have been going back and forth with them since XX/XX/21 and it is now overbearing. It has brought major emotional distress to me and my family.
Product: Student loan

I am on a mission to find help and relief from Navient ( sallie mae ). I was recruited to XXXX XXXX XXXX in 2007. The day I signed the papers for that loan was the day I fell I signed my life away to a prison sentence. I have been harassed. I have been bullied by the companies. They fear mongered. I am not trying to get money. I want freedom from this loan that keeps growing even though I have paid. The interest rate keeps going up. The school is closed. I see people allllll around being relieved ... why can't i? I can not find anyone to help me. Can you help me? Please? I am fighting sooooo hard to better my life.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Vehicle loan or lease

This complaint is relative to the existing pandemic, an obvious loss of income, and Ally Financial forcing us into an agreement to make THREE full payments of {$460.00} in less than 60 days. If scheduled payments fail, repossession is the ultimate outcome. It's quite obvious that the poorer people of color and seniors are targets. Is the government doing anything to assist, maybe mandating ( lower ) payment arrangements or some form of workable installments? It's already been ruled by the federal government in previous court cases that XXXX Americans, XXXX, etc, are automatically given auto loan payments that are at minimum {$250.00} more than that of XXXX. Who's monitoring that? Are we to sacrifice food, meds, housing and the like to keep our vehicle? One might say turn over the vehicle if we can't afford the payments, but where is the human factor based on a pandemic we too never asked for? Something needs to be done and sooner than later. The added stress is unspeakable.
Product: Money transfer, virtual currency, or money service

My account was suspended for an unknown reason. I have not gotten the same answer from everybody I have been in communication with. My funds are frozen and can not be transferred to my bank. Nobody can get me in touch with somebody that can actually have a say in unlocking the account, they all just tell me that they see the information I have uploaded that they have requested, and give me a different, longer, turn around time to expect a decision to unlock my account. Some individuals have told me that I should have a response within a day, and then upon hearing nothing I get a response telling me that it'll be another XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back from XXXX of 2022 and probably before then I have been contacting Trans Union asking for a validation of accounts concerning XXXX XXXX  and XXXX and the only thing I receive back is accurate information they have not shown how or from whom the information is being reported they state in their report if I wish to receive the above description of the procedure they used to investigate my dispute in a separate communication contact them I did that and I still have not received the description used in the procedure to investigate. 

As you can see from the information listed in their response they do not validate the accounts or give the method of how the information is being investigated and as you can see from the information listed Us Courts does not communicate with credit reporting agency so with them listing investigation results as verified as accurate is in correct cause they are not receiving information from the listed contact they are reporting on my credit report and as you can see from the letter submitted information XXXX is not or never been in included in a bankruptcy that account is paid in full and I have the title so how is that account listed in a bankruptcy. 

I ask that these entries be removed from my credit report cause Trans Union is supplying inaccurate information and refusing to remove these damaging information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

RE : CFPB Case Numbers : XXXX, XXXX, XXXX Wells Fargo has never sent the statements as they had promised. I have informed the police as well as the postal service. Wells Fargo continues to follow up with voicemails yet there still is no resolution to anything. I have checked my mail for the entire week and there is no resolution as was promised. I have documented this entire thing. 

Wells Fargo has allowed my identity to be stolen and has not done anything as they legally should. I continue to follow up with all lines of communication including law enforcement. It is completely unbelievable how much Wells Fargo has mislead the CFPB. I do not want to continue to be victimized by this bank. 

I hope the best for the rest of society thus I keep reporting them.
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX has account that should not appear on my credit file
Product: Debt collection

I have spent the better part of XX/XX/2018 trying to have some funds that I didn't authorize returned to my account. I was contacted by someone from XXXX XXXX that stated they were representing XXXX XXXX  and that they by opening a card and transferring the funds from my Chase card to the new XXXX XXXX I would save on interest on the account. Although I was interested in saving, when they informed me that they would charge an extra {$1500.00} fee to my account, I told them I wasn't interested. They proceeded to transfer me to a manager who also tried to convince me and although I said I didn't want any fees added to my account they still proceeded to charge it to my chase account. When I contacted Chase about the charge, they temporarily removed the charge until they investigated it. When I contacted XXXX XXXX about the charge, they informed me that they found the charge to be fraudulent and blocked it without paying any money out. Although Chase says that they have already paid it out the funds to XXXX and XXXX states they returned the money 's to Chase, as of today, the money has not been returned to my account and the charge has not been removed from my account at Chase. I don't know what to do. All I know is that I was not provided the service that they supposedly said I received and nobody seems to know where the money has gone and I'm left with an outstanding debt.
Product: Debt collection

I was contacted by Trandworld Systems attempting to collect a debt that was being collected by another collections agency. When I was contacted by them the amount they said I owed was more than the original debt. I sent them a letter advising them that the debt was already being collected by another company, provided them proof of the other company collecting the debt, and that they had increased the amount I owed. I asked them to cease attempts on collecting this debt. I have not heard from them since but they have now added the collection to my consumer report and it is now showing in collections on all XXXX bureaus.
Product: Student loan

In XX/XX/XXXX, I made a regrettable decision as a reckless teenager who believed she was in love. The individual I was involved with, XXXX XXXX, intended to enroll in XXXX courses at XXXX XXXX XXXX. He required my assistance due to his insufficient credit history to finance the expenses. In a moment of poor judgment, I co-signed the loan, hoping he would successfully complete his education and secure employment to repay the debt. Regrettably, the situation unfolded differently. He withdrew from the program, and we subsequently ended our relationship. Following our breakup, he faced difficulties in making payments, as he has demonstrated a lack of financial responsibility. Although he began to make some payments, in XX/XX/XXXX, he was involved in a serious car accident, resulting in him being in and out of a coma. The last update I received indicated that he remains in a coma. His grandmother, XXXX XXXX, who has played a significant role in his life, initially covered the loan payments but has since changed her position. She can be reached at XXXX. Consequently, the responsibility for the payments has fallen to me. I previously maintained an almost perfect credit score, nearing the XXXX, but this situation has caused a noticeable decline in my credit rating. To exacerbate matters, the lending company has been unresponsive to my emails and correspondence, including physical mail sent via XXXX. I am deeply distressed by this situation and am seeking assistance. The company continues to report negative marks on my credit account without engaging in any discussions regarding the matter. I require your support to resolve this issue and pursue legal action against the borrower for the financial burden I have incurred.
Product: Checking or savings account

merrill XXXX  reported on a 1099 to the government an incorrect amount on a roll over or transfer that has caused me to incurI a large debt with the IRS, merrill closed this account and havent forwarded any information concerning my request, this account should not have been closed, i paid appllicable taxes and i followed their rules of that govern the roll over process, i there is more funds in this account, thank you. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXXI have called and talked with XXXX fraud department about suspicious fraudulent accounts and inquiries on my credit report for the third time this year. XXXX XXXX allow me to dispute accounts but not inquiries one time the next time XXXXXXXX may allow me to dispute inquiries but not accounts. The inaccurate fraudulent accounts and inquiries are listed below have violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. I have a right to privacy under section ( 602 A ) 15 USC 1681 and section ( 604 A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions and permission. 
ACCOUNTS- XXXX XXXX XXXXXX/XX/XXXX {$9700.00} XXXX XXXX  XX/XX/XXXX {$1200.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX INQUIRIES- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Ive tried unsuccessfully to update my address phone number and employment history. 
Correct phone # XXXX Correct employment XXXX XXXX XXXXXXXX - XXXX. XXXX Correct Name. XXXX XXXX No consumer reporting agency may make any consumer report containing containing any of the following items of information other than records of convictions of crimes which antedates my report for more than seven years,, 15 USC 1681 C ( AX5 ).

15 USC 1681 s-2 ( AX1 ) states that no one shall furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect address XXXX XXXX XXXX XXXX, XXXX XXXX Accounts XXXX XXXX. XXXX, XXXX {$46000.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX, XXXX {$390.00} XXXX XXXX XXXX XXXX, XXXX. {$3100.00} XXXX XXXX XXXX XXXX, XXXX. {$1700.00} XXXX XXXX. XXXX XXXX, XXXX. {$0.00} XXXX XXXX XXXX XXXX, XXXX {$2900.00} XXXX XXXX. XX/XX/XXXX. {$1200.00} XXXX XXXX XXXX XXXX, XXXX. {$9700.00} XXXX La. XX/XX/XXXX {$0.00} XXXX La. XX/XX/XXXX. {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX First XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian - Correct address. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Incorrect addresses ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Accounts- XXXX XXXX XXXX {$17000.00} account # XXXX XXXX XXXX XXXX {$46000.00} account # XXXXXXXX XXXX XXXX  XXXX. {$1900.00} account # XXXX XXXXXXXX XXXX XXXXXXXX. {$3000.00} account # XXXX XXXXXXXX XXXX XXXX {$390.00} account # XXXX XXXXXXXX XXXX XXXXXXXX. {$8000.00} account # XXXX XXXX XXXX XXXX. {$1300.00} account # XXXX XXXX XXXX XXXX. {$0.00} account # XXXX XXXX XXXX. XXXX {$0.00} account # XXXX XXXX XXXX. XXXX. {$0.00} account # XXXX
Product: Credit reporting

I was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time in XXXX of XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any Debt and have been a Customer who has always paid on time for Services or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home in XXXX of XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the Collection was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over 30 times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day 1. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service Database, XXXX informed me they contacted Experian and XXXX to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to 60 more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Please check information regarding XXXX data breach. I also had identity stole before that
Product: Credit reporting or other personal consumer reports

Requesting the removal of many unlawful hard credit queries from my credit report is the goal of this complaint. The illegal inquiries are noted in the copy of my credit report that I obtained from your bureau. Per the Fair Credit Reporting Act, kindly look into my allegation. Provide me a copy of my updated, accurate credit report as soon as you can, and please remove any illegal inquiries you discover. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Early Warning Service. has fraudulent obtain my nonpublic personal banking information without my consent. I didn't not give any bank or financial institution my consent to give any of my banking information to any non affiliate or 3rd party affiliate. There is no reason for Early Warning to have my banking information and i have never done any business with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report provided by Credit Acceptance and reported to XXXX and XXXX. The discrepancy involves the reporting of my first late payment, which Credit Acceptance asserts occurred in XX/XX/XXXX. However, I have concrete evidence that my initial late payment was in XXXX XXXX 
This misinformation has adversely affected my credit standing, and I believe it is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to Section 611 of the FCRA, consumers are entitled to accurate and up-to-date information in their credit reports. Moreover, Section 611 ( a ) ( 1 ) ( A ) stipulates that inaccurate information must be promptly corrected or deleted. 
I have attached documentation clearly demonstrating that the first late payment occurred in XXXX XXXX XXXX XXXX XXXX. As per Section 611 ( a ) ( 7 ) of the FCRA, I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, considering the evidence provided.

Furthermore, I assert that Credit Acceptance has misled the credit reporting agencies, and their failure to rectify this inaccuracy constitutes a violation of the FCRA. Section 611 ( a ) ( 5 ) ( A ) ( i ) emphasizes the obligation of credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute. It appears that such an investigation has not been adequately performed in my case. 
In light of the evidence and the apparent violation of my rights, I request the following actions : * Immediate removal of the complete account information from my credit reports with XXXX and XXXX. 
* A comprehensive and diligent investigation into Credit Acceptance 's reporting practices to ensure compliance with the FCRA. 
* Assurance that Credit Acceptance rectifies any inaccuracies promptly to prevent further harm to my credit standing. 
I appreciate your prompt attention to this matter and your assistance in resolving this dispute. 
Sincerely, XXXX XXXX