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

On    XXXX   XXXX   XXXX   I file d a complai nt on   XXXX   XXXX   The company has refused to verify and information regarding a debt that is claime d to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information.  One rep advised me that   XXXX   XXXX   can electronically share any balance to the credit bureaus    and I should stol calling because they  can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just "  XXXX  it up and pay it, even if its not yours '' i have attempted to get assistance from all   XXXX   credit reporting sgencies.  XXXX ,  XXXX , and Experian however I have not received a resolution .    XXXX   XXXX   has not reaponded to a complaint submitted o n   XXXX   XXXX   an d they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.   According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural human being and consumer, requested my personal information be updated, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, by certified mail to letter to XXXX and Transunion. 
Today is XX/XX/2022, XXXX and Transunion have chosen to ignore my request and continue to report false information on my credit report, therefore, causing harm to my credit profile and unwarranted stress to me mentally, physically, and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX and XXXX after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
Product: Student loan

My student loans were transferred from XXXX to MyFedLoan in XX/XX/XXXX. I was in an income based repayment play with XXXX. Without my consent, myfedloan took me out of income based repayment and placed me in forbearance. I discovered this, and I called Myfedloan at the time and asked not to be placed in forbearance. However they said they were unable to do this, but that I could make the payments anyways and then submit a request to have those payments " accepted ''. I made the payments on time and submitted this request to have those payments accepted. Myfedloan sent me a letter in XXXX documenting that they were going to accept those payments. However, now, 4 years later, their system for tracking eligible payments has my payments from XXXX and XX/XX/XXXX marked as ineligible since I was in forebearance. I called about this in XX/XX/XXXX and after a long phone call they said that this was a mistake on their part and that it would be corrected. I called back several months later to check in on the status of this and they said they were working on it. I called again in XX/XX/XXXX and they said the request was never put in, but that they would put in the request now. I contacted them again in XX/XX/XXXX and they said that they were working on it, but were unable to give any time frame for expectations of completion. The system does not show that they are working on it. I can not accept that it takes more than 11 months to correct their own administrative mistake. I've been unable to escalate my concerns to anyone at myfedloan to get assurances they are actually working on it or to get an actual timeframe on how long this should take to fix.
Product: Credit card

I am quite sure that Chase discriminated against me due to age in deciding not to issue a credit card to me. I applied for an Amazon Prime Visa Signature card through Chase. My FICO credit score is extremely high, in the XXXX. I have an excellent credit profile. Only XXXX credit cards issued at the time of the application, no delinquencies in the past XXXX years, and I pay off the full amount on any card on a monthly basis. 

Chase claims to have denied me a card based on the following, which will be seen are all pretextual : 1. " Past or present delinquent account obligations withchase. '' [ Typos in original ] I have never had a delinquent account with Chase and don't recall having an account at Chase. Moreover, I have had NO delinquent accounts in the past 7 years with any creditor, Chase or otherwise, Accordingly, this is clearly pretextual.

2. " Insufficient or no balance in Chase deposit and/or investment accounts. '' No I do not have a Chase account, but this reason seems entirely pretextual. I strongly believe that Chase provides credit cards to persons with my credit profile who do not have an account at Chase, but who are 10 years younger than me ( I am XXXX ). 


XXXX. " Too many revolving accts opened in 1 year compared to all revolving accounts. '' I have four revolving accounts, one of which was opened in the past year. I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

4. One or more request for new credit in the past 12 months. The only request for credit in the prior 12 months was for a credit card ( approved ). I strongly believe that Chase provides credit cards to persons with my credit profile who opened one revolving account in the past year but who are 10 years younger than me.

The reason that I make this complaint is that I believe that Chase is discriminating based on age not only against me, but also in its credit algorithms to unlawfully deny credit to elderly people. I think that the CFPB should investigate Chase 's practices in this regard.
Product: Debt collection

XXXX {$520.00} on credit report since XXXX. 

I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. 

I am not sure who this creditor is or why theyre on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item Experian XXXX XXXX Bankruptcy discharged reference # XXXX date filed XX/XX/XXXX and date resolved XX/XX/XXXX. I sent another dispute and was responded on XX/XX/XXXX with the following Response, the company who reported the information has certified that information is accurate on XX/XX/XXXX " This unknown entity who reported this information to Experian as accurate has either made a mistake or blatantly lied about the verification because according to the letter which I attached in the add supporting documents upload in your dispute center, it clearly says that they are not responsible for validating and verifying information from consumers credit files. 

Im confused about how this record was verified as accurate and true when there is no way to verify such a record. 

Either way, the reporting requirements do not comply with the letter of the law being FCRA 611 ( 15 U.S.C. 1681I ) as it is impossible for Experian do perform a reasonable reinvestigation or for Experians vendor to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

For account XXXX  XXXX that is reporting on my credit report I have sent multiple letters to XXXX , Equifax , and XXXX to investigate the inaccurate reporting and they send me letters back stating that the account is reporting 100 % accurately and that it has been verified ... .how is this even possible when there are still multiple violations on the reporting of this account. for one they never even added a comment stating that this account is under dispute, as stated by the law ... .... 2nd look at the 2 year payment history all 3 bureaus are all over the place in the reporting and different. they are all reporting a different date of last active and date of last payment. the credit limits are reported different, the high credit are different, the comments are all different. How can they even pretend that they investigated this account when all of these violations are are still reporting they never investigated this account is the answer
Product: Checking or savings account

I recently had fraud on my account at USAA. Immediately upon speaking to the representative XXXX XXXX, she advised, my son was a victim of a scam. He deposited 2 checks and made a {$500.00} withdrawal. She said she had spoken with him and told him to just give the money back. Not once were we asked if he did it. Her mind was already made up before she spoke with either of us that he had done it. He had basically been tried and convicted before she spoke to him and not wanting to really hear what I had to say. Needless to say our claim was denied and I have to pay back {$500.00} plus fees for something we did not do nor did we get a fair chance. I keep finding out little pieces of what happened each time i call and speak to someone else. I have been with the bank over 15 years and this is how I am treated. Unfair and unjust. All I am asking is for someone to remove the tunnel vision and look at the history and patterns of my accounts. Everything we do is remote, online. I cant remember the last time I have actually went to the physical location let alone made a check deposit at an atm. Granted I do make cash deposits at the ATM, rarely but I do. However, I pretty much use the same ATM, which is the one located in XXXX XXXX. Again, this was not done by my son nor myself. Please look into this further. There should be video since it was done at an actual branch ATM. I will gladly view it and see if I can identify who made the deposit. All Im asking for is help getting my account credited back.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report, which was opened in my name due to identity theft associated with a recent data breach. 
In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be promptly removed from my credit file. 
Account to be Blocked and Deleted XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

I have had my credit frozen for years. I unlock if I need to apply for credit. I was able to check XXXX just fine and my report is still frozen. I have tried managing and viewing my freeze with both XXXX and Equifax and once I'm in my account, it says to call. I can not run a report to see if someone applied for credit in my name or if either company accidently unfroze my reports. I have called and am unable to get through.
Product: Credit reporting or other personal consumer reports

My debt has been discharged, yet two XXXX credit cards still remain active on my credit report. I want them removed off of my credit report immediately. This is inaccurate reporting, and inaccurate reporting goes against 15 U.S.Code 1681. A charge off is considered a certificate of indebtedness, which means it is income and MUST be removed off of my credit report. XXXX XXXX- Account # XXXX XXXX XXXX-Account # XXXX These two accounts have been labeled as charge off 's on my credit report and MUST be removed immediately. I recently came across information related to charged- off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a CERTIFICATE of indebtedness, which means it is treated as income, and, therefore, eligible for removal from the records, and my credit report. In light of this information, I REQUEST ALL CREDIT AGENCIES assistance and removal of the two charged-off XXXX accounts associated with my accounts.
Product: Credit reporting or other personal consumer reports

I discovered that several items on my credit report contained inaccuracies, including incorrect personal information and outdated or incorrect payment statuses. To address these issues, I sent a certified letter disputing the items on my credit report, in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I identified various entries where the information was incorrect, including wrong addresses that needed to be deleted immediately. In addition, I disputed accounts where the payment history was inaccurate, requesting that they be updated to reflect that they were " paid as agreed '' and " never late '' under 15 U.S. Code 1681i. This section of the law requires credit reporting agencies to investigate and correct any inaccuracies within 30 days.

I also raised concerns with several accounts under 15 U.S. Code 1692g, which outlines that debt collectors must validate any alleged debts before continuing their collection efforts. For these accounts, I requested proof of the debt, including original documents such as contracts or agreements, as well as evidence of the debt collector 's legal right to collect on these debts. If they fail to provide the requested documentation, these items must be removed from my credit report. 

Additionally, I noticed an unauthorized hard inquiry on my credit report from XXXX XXXX, which I requested to be deleted immediately under 15 U.S. Code 1681b ( a ) ( 2 ), which governs permissible purposes for consumer reports.

I have given the reporting agencies and debt collectors 30 days to investigate and respond to my disputes. According to FCRA Section 611 ( a ) ( 1 ) ( A ), they are required to resolve the issue within this time frame. If I do not receive a satisfactory response or the corrections are not made, I will pursue legal action, including filing a small claims suit seeking damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act.

I have made sure to keep careful records of all communications and actions taken in this process, and I will not consent to automated verification methods ( like e-Oscar ) being used to resolve these disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 items 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Money transfer, virtual currency, or money service

Wire transfers in the amount of {$4100.00} was wired by Wells Fargo Bank to XXXX XXXX XXXX on behalf of a known fraudster known as XXXX XXXX XXXX XXXX XXXX. These wires were made between XX/XX/XXXX to XX/XX/XXXX. Several attempts were made by me between XX/XX/XXXX through XX/XX/XXXX to recover the funds directly from XXXX XXXX XXXX. On XX/XX/XXXX I requested a wire recall directly from Wells Fargo, no satisfaction has been made to date. 

A complaint by me has also been filed through your organization against XXXX XXXX XXXX XXXX
Product: Debt collection

Midland MCM collection Agency illegally put me in collections over a XXXX secured credit card that I had taken care of and I them and MIDLAND and XXXX several times over last few years and at MIDLAND and XXXX refused to even show me proof of debt, or acknowledge me. After many many many attempts of contacting XXXX as well to remove both companies, XXXX finally sent a strong letter to MIDLAND and XXXX, and they removed themselves. I am enclosing two letters here from MIDLAND, one in XX/XX/XXXX where they told me they refused to help me, and one in XX/XX/XXXX where they finally conceded. I have contacted both companies through consumerfinance.gov. This is unresolved and until it is resolved to my satisfaction, it remains an illegal crime of FCRA regulations broken as well as causing severe damage to my credit impacting my financial life and livilhood. XXXX sent me a letter recently and in it they proceed to state that I canceled my XXXX card near end of XX/XX/XXXX, when I actually did i XX/XX/XXXX due to a mistake XXXX made in a payment process, I have a witness to this, but also XXXX and MIDLAND should be ashamed of themselves and should be fined by the FTC for I had a XXXX secured card, and I had a {$200.00} deposit. When I canceled the card, I owed nothing, but even if I did, XXXX kept my card open for well over 6 months charging outrageous fees and interest rates and MIDLAND in taking this debt from a creditor who not only put a false claim in general, but hiked up a {$300.00} secured credit card with a {$200.00} deposit, and claimed I owed over {$900.00}. Both companies should be ashamed of themselves. It is my right to get paid for their crimes and I will not rest until it is done, as I went out of my way for a long time to work with them and let them know they were wrong, but they refused to even acknowledge I was alive.
Product: Credit reporting or other personal consumer reports

Employees through a company called [ XXXX XXXX XXXX  ] have deprived me of my property without producing proof of a valid contract or an original promissory note in which those employees have made claim of a debt being owed to them by me. These employees have not only violated due process of law pursuant to the 5th Amendment and they had no warrant to illegal search and seize my XXXX benefits which has put me in a poverty state. 602 rules of evidence the XXXX  child support employees are required to produce the evidence that they are in assignment with the original promissory note under penalty of perjury otherwise theres no debt. Experian employees continue to allow XXXX child support to report false, misleading, misinformation, misrepresentation and inaccurate information because they all have financial obligations and interests with each other in a Rico conspiracy to deprive me. Experian is now being sued by Consumer Finance member for failing to investigate disputes and in doing so this harms people like myself financially. Ive recently had to freeze Experian, XXXX XXXX and XXXX because they are stealing credits from the estate and are using me as a commodity. This type of conduct violates state constitution and now XXXX Department of Human Services are being sued in federal court. This federal lawsuit will be amended and Experian will be added to the lawsuit along with the other reporting agencies such as XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN DISPUTING INFORMATION FOR THE BETTER HALF OF A YEAR WITH TRANSUNION ON SEVERAL TRADELINES. TODAY XX/XX/2021 I SPENT OVER AN HOUR ON THE LINE WITH A TRANSUNION REPRESENTATIVE TRYING TO GET INFORMATION ON WHAT IS BEING FURNISHED TO THEM TO PROVE THAT THESE INACCURACIES ON MY REPORT ARE CORRECT. I WAS ADVISED I WOULD HAVE TO GET A SUBPEONA TO GAIN ACCESS TO INFORMATION THAT WAS BEING PROVIDED AS PROOF OF ACCURACY ON MY OWN CREDIT BUREAU. I WAS DENIED PROOF OF INVESTIGATIONS. I WAS REFERRED TO THEIR DISPUTE FORM ONLINE WHICH I HAVE DONE SO MANY TIMES BEFORE. I WAS ADVISED BY THEIR REPRESENTATIVE THAT THE INFORMATION BEING FURNISHED ON MY XXXX IS FROM THE CREDITOR AND THAT THEY BASICALLY HAD NO CONTROL. PER FCRA THE INFOMORMATION MUST BE VERIFIED AS ACCURATE AND I HAVE YET TO BE FURNISHED PROOF OF THE ACCURACY. I HAVE BEEN BOUNCED AROUND FROM CREDITORS TO BUREAU. THIS IS A WAY TO PROLONG THE SITUATION AND IN THE END CAUSE DAMAGE TO MY REPORT AND MENTAL HEALTH. THIS SITUATION HAS CAUSED NOT ONLY SERIOUS MENTAL ANGUISH BUT MAJOR XXXX.
Product: Mortgage

Foreclosure sale is set for my house XXXX XXXX, 2024. I sent Wells Fargo request for mortgage assistance with my financials. I have been unemployed, and work is currently slow. I do not want to lose my home to foreclosure. I did not receive a foreclosure letter from foreclosure attorney or Wells Fargo. I was told by a person that knocked on my door my house was in foreclosure.
Product: Money transfer, virtual currency, or money service

Card : Goldman Sachs Apple Card- which is both a general purpose credit card ; AND a deferred payment plan for XXXX devices ( 3 XXXX, 1 XXXX ) with no interest charge for 24-36 months. 

There are two cards for this shared, co-owned ; and are supposed to be available to us both in our XXXX Wallets. 

ISSUES : ( 1 ) the second co-owner is UNABLE to add his card to his Apple Wallet application, and it has been over 12 weeks since problem was first reported to both XXXX and Goldman Sachs WITHOUT any resolution ; ( 2 ) as customer / consumers we are UNABLE to reach senior technical support management for a regular update from either GS or XXXX ; ( 3 ) we use a XXXX XXXX XXXX for ALL our financial and bank statements ( for mail security ), yet GS will not permit customers to use this legal, legitimate addressing method for our accounts ; ( 4 ) GS will not allow both credit card owners to PREPAY ( make additional early payments ), by XXXX device, that are on monthly ( interest free ) payment plans.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Repair ( FCR ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunions inaction violates federal law and my rights as a consumer.