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

My home was broken into approximately XXXX. I had a personal office in the home. I had details of home in Mississippi, driver 's license, social security number, current home, birth certificate, etc., etc. Police compiled a 14 page police report with the first page stating fraud/ identity theft. I submiited this report to all credit bureaus and requested a verbal password when I call in or submit for credit. I fought Experian for years due to incorrect details on my report just to find they lifted the freeze on their own accord. XXXX XXXX XXXXXXXX took my case XXXX XXXX. Unfortunately, that attorney passed in XXXX. I have since joined XXXX. Today, XX/XX/XXXX, I received 3 alerts notifying my of payday loan attempts. I spoke with both XXXX and Experian whom have unprofessionally lifted my freezes once again. Stating it's an initial freeze. I NEVER lifted the freeze! Everyone I speak to can not be understood and definitely not concerned. I've had taxes filed against my name and the IRS treats me like the criminal and refuses to file my taxes or lend any support! I am fed up and disgusted by Experian and XXXX unprofessionalism, fraud, and continued exposure which continuously place me at a disadvantage. Furthermore, I would not be surprised if these were intentional inside jobs. I have suffered way too long attempting to regain my good name due to systems set by the government to help, but only causes misery and happen to be the real issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it has been more than 30 days, and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

I attended XXXX XXXX XXXX and took out student loans. They promised to help find job placement but I never got a job in my field and now I am stuck with student loan debt that I can not pay back. I attended in XXXX and was out of work until XXXX then I started working part time doing shipment. Please help I beg you please. Im now working as a medical assistant and going to school to become a nurse but Im paying for all of my classes out of pocket.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a health issue in XX/XX/XXXX I fell behind on many bills. These past few months I have been trying to fix that. I settled what I could with what little money I had. I started looking at refinancing my home. During this process, the mortgage company denied me saying Wells Fargo has my account as a charge off but is posting the charge off every month as if it is happening every month. They are also posting late after the charge off. I spent a lot of time trying to find a way to fix this issue. I was offered a settlement for that account. I paid the settlement XX/XX/XXXX. Wells Fargo backed off the settlement and posted on my credit report that the payment made was a payment. I called everyday and got no response from anyone. I finally got XXXX XXXX on the phone. I explained to her everything. They are now posting my account as a charge off. And are beating around the bush to say I didnt settle the account. Without the refinance I can not pay the remainder debts off I have. After reading about the fair credit reporting act, I saw they have violated and ignored it on my credit report many times. I have a letter from them stating if a pay the amount. The account would be settled. They lied to me about that. I can not even get a receipt for the settlement I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please be advised this is has been my multiple attempt to fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 

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

After speaking with Experian, I learned there were 2 accounts that were negatively affecting my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX While I was living with someone I had moved out and they reconnected the account with my name and info and I had already moved and thought I had completely removed my info. They other instance was from XXXX, XXXX  and XXXX. I had a line added to my plan. When I left XXXX I closed out my XXXX acccount but the person on my line I believe made themselves an authorized user so they kept my name on the account and I had no knowledge of this because I was back in XXXX  until I found out through Experian that this had gone on. So these are 2 instances of fraudulent use of my personal info that is negatively affecting my credit. Also, more recently my former roomate XXXX XXXX who I recently found out after moving out is known for using peoples personal info ( bank card info, XXXX 's, and more ) to committ fraud. He has had access to all my personal info and There are several new inquiries and questionable info that I believe he has committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far in disregarding my disputes. AGAIN, this state is unbelievable! Transunion and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Transunion so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Transunion. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE these items that caused me so much trauma. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Credit card or prepaid card

This complaint is about the Bluebird by American Express prepaid card. I am not the only one experiencing this issue. Today I was scheduled to have my paycheck direct deposited onto my card as I have done for months, however the card website, smartphone app, and phone hotline are all down. I am unable to see my balance, use my card or even check to see if I received my direct deposit. This has been going on for hours, with no explanation from American Express. I have gone to their social media pages, mostly XXXX  to ask about the issue and I have seen countless others experiencing the same issues - no access to funds, no login capability and generally no explanation or customer service. Customer service representatives do not know what is going on, what the time frame is to have the issue resolved, and have been extremely rude (even hanging up on callers). It is detrimental to my life and finances to be unable to access my funds, and I have no idea when and if I will be able to. It is 5 days before XXXX, I am a single mother living paycheck to paycheck and I am absolutely livid at this situation. I would like to at least have an explanation but the company only posts that they are "working to resolve the issue, and that we can use our cards in the meantime" - which is not true. No one is able to make any purchases or withdraw any funds from their cards. This is absolutely unacceptable. I am immensely stressed out about this, not knowing where my money is, not knowing when I'll be able to use it. I feel like something needs to be done, the company should not be able to do this to people with no explanation.
Product: Checking or savings account

i had an account with td bank, some reason they closed my account, i contact with there branches but no one doesnt fix my problem, when they closed my account that my i had {$2300.00} something in my bank account, tb bank branch officers dont know where is my money, after that i go there defarent branch like XXXX of them, one off the branch officer give me case number and phone number to contact with her, i call her everyday she doesnt pickup and she never call me back. so still i dont know why they close my account and where is my money, thank you date was XX/XX/2020
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please fix This Is my Fourth written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 
I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 i took out a loan with speedy cash for XXXX . My first payment of {$100.00} for the loan was extended out to XX/XX/2019. I was led to believe that this was a true and actual repayment plan, but " secretly '' it appears to be another date which forces me to accrue unwanted interest. Every pay period since the loan has been out someone at the store location changes the due date of the loan. If no fraud is being committed why would it show on their internet website for my account information, as well as phone call reminders a few days before that my loan payment is due on one date, but secretly someone at the store has it appear as if i called to change my payment date. When i call customer service to complain they can only tell me dates to which a request to change the due date was made. I have " NOT '' spoken to anyone at the store location since XX/XX/2019 when i was there taking out the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily gave the XXXX XXXX XXXX ( SNACC ) back their car, which is considered a voluntary repossession. This occurred early XX/XX/2016. SNACC was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported {$650000.00} XXXX XXXX and XXXX XXXX dollars in student loans under my name. Some of these loans were transferred from the old servicer XXXX XXXX XXXX XXXX ) to XXXX XXXX. The resulting reporting dropped my credit score XXXX points. I am disputing the accounts and " reported inaccurately '' and " monthly payment obligation on account incorrect. '' The accounts should be listed " Account in Dispute '' and a remark should be placed on each student loan listed as XXXX XXXX.
Product: Credit reporting

I have XXXX duplicate negative accounts on my credit report ( so, XXXX negative marks on my credit report. The original creditor and the collection agency that bought the debt ( XXXX XXXX XXXX ). The account numbers are the same for the original creditor and the collector. 
More importantly, XXXX XXXX added both the accounts to negative collections in my credit report, despite the fact that they have been paid in full.
Product: Checking or savings account

Got paid yesterday on XX/XX/XXXX and they froze my account for no reason and I called customer service and they wouldn't give me a valid reason telling me wait 3-5 days but I have bills that are due tomorrow, this is very frustrating I'm never banking with this bank again once I get my funds back this is ridiculous I never had this issue with XXXX  before or any other bank it's venmo with the scam
Product: Vehicle loan or lease

My son got behind on his payments with Wells Fargo Dealer Services and was trying to get caught up. My name is on the loan also and I helped him pay the fees when the vehicle was repossessed. Wells Fargo neglected to get the redemption hold papers to the repo company on time and the truck ended up at an auto auction lot out of state. Now they are paying to have the truck towed back to Iowa and I was told it would take up to 2 weeks to get the truck back. Today is the last day of the 2 weeks and nobody seems to know where the truck is and will not give me the name of the transport company who has the truck. Wells Fargo keeps telling me to call back tomorrow for more information. I call every day and they give me absolutely no information so why should I keep calling to get no information. I want to know where this vehicle is. The tow company that agreed to accept the vehicle and tow it to my home has been ignored on phone calls and emails and is getting very upset as well. I have a complaint with the office of the president with Wells Fargo but that is n't going very well either at this point.
Product: Credit reporting, credit repair services, 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 | Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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 reporting, credit repair services, or other personal consumer reports

My wife and I have a timeshare with XXXX XXXX XXXX. In XX/XX/XXXX, my wife filed chapter XXXX bankruptcy which included the XXXX XXXX XXXX timeshare. We received a letter from XXXX XXXX XXXX timeshare that addressed both of our names. The letter from XXXX XXXX XXXX alerted us to stop payment on our timeshare due to the filing of bankruptcy in XX/XX/XXXX ( the month and year that the letter was sent out from XXXX XXXX XXXX ). XXXX XXXX XXXX are continually reporting late payments to my credit report, after they had informed us to stop payment and they are obtaining a payment from my wife 's Chapter XXXX bankruptcy. We have called several times to get this resolved but the late payments are still affecting my credit report. They are requesting a double payment from us even though my wife is making payment through my bankruptcy and even after XXXX XXXX XXXX sent a letter informing us to STOP making payments, due to Chapter XXXX filings. We misplaced the letter and requested that they send another one ; however, they have failed to do so. 

Is it legal for XXXX XXXX XXXX timeshare to request double payment after a spouse have filed Chapter XXXX and included it on their bankruptcy AND also inform us to STOP all payments on our timeshare, while continuing to report it late on my credit report? 

Please advise on how we will need to proceed. 

Thank you,
Product: Debt collection

I was sitting at my desk today, XX/XX/year>, and I got a notification from one of my credit card issuers that there was a new action on my credit, so I opened it up and it says there is a new collection from United Collection Bureau for {$1400.00}. It says it was reported on XX/XX/year>, with no past due reported. I have no idea what this is for, I have received zero letters regarding this and it says it is 10 months old. I believe by law I am supposed to receive an opportunity to review and respond to the alleged debt, but this has hit my XXXX account, not sure of the other two bureaus. Naturally I am upset as I have no way to see if this is my debt, which I don't think it is, as my credit is very clean and over XXXX score. Any help would be appreciated. Thank you.
Product: Checking or savings account

At A Chase Bank ATM machine I deposited a few checks on XX/XX/year> at the same time totaling $ XXXX the available balance of {$14.00} bringing the present balance to {$2300.00} on the same day. Funds actually became available on the XX/XX/year> and they locked my account froze my ATM card and told me that the checks were not valid total unfairly treated and refused to pay me all my funds from every chase account I had and to close them. Also informed the banker that I would be reaching out to complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a moving violation for misuse of equipment which was tinted window on vehicle on XX/XX/XXXX which is old ticket that shouldn't be on my background that checkr had check which is preventing me from working for XXXX as XXXX XXXX. Even though I was working for XXXX already and all I had to do was updated my new vehicle registration and documents. Now I'm unable to work for XXXX   cause of this background check from checkr. But everything was on my background before XXXX hire me as XXXX XXXX except for the accident on XX/XX/XXXX which was a bad winter storm and I slide on ice into a tree in XXXX, Ohio. I also have an accident on XX/XX/XXXX that wasn't my fault. I was sitting at a red light on XXXX and XXXX in XXXX, Ohio and the other party vehicle came up from behind me and ram right into me. I can get police report from both accident to show i wasn't at fault. I just don't understand how this report from checkr make it seem like you are a bad driver but u not. I was a very good driver for XXXX. My rating for driving for XXXX was 4.77 but i don't understand if they take that in consideration.
Product: Credit reporting or other personal consumer reports

I am writing to alert you of a fraudulent credit card that has been issued under my name and account without my authorization. This incident was discovered in XX/XX/2023 and has been reported to XXXX, Equifax, and XXXX. I request that this fraudulent activity / card be removed from my credit report. 

I have never applied for this credit card, never received a card, never activated a card, or used a card from XXXX XXXX. I noticed this card only when the negative reporting hit my credit report in XX/XX/2023. I called the company to inform them that I did not apply for this. They sent me a letter indicating that they could not find my account and terminated/closed the account because of this. I attached the letter from them stating this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ocwen servicing company for XXXX is listed twice on credit report for same account and refuse to update it. They told me to talk to XXXX. I have filed complaints with credit bureau to no avail.