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

On XXXX I sent a letter regarding the unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage of since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the XXXX data breach and may have gotten into the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with XXXX on my credit report. The beginning part of account number is XXXX. Per my report, this card was opened XX/XX/19. I did not open this account. I have contacted XXXX directly, submitted paperwork to attest to the fact that I did not open this account and disputed this information several times via the credit bureaus. XXXX continues to report this account on my credit report without providing any proof to support that I opened the account. Instead of deleting the account from my credit report, they update the report that the balance was charged off and transferred to another lender. This is not my account and I want it deleted from my credit file. This account has lowered my credit score.
Product: Payday loan, title loan, or personal loan

Hide termine in contract {$2600.00} in XXXX XXXX/XXXX/XXXX, but the rates is to high is impossible because i have XXXX XXXX i do n't have te money is more {$200.00} every 2 week rate is almost {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes against US DEP OF EDUCATION and US DEP OF EDU/NELNET for identity theft and attempting to collect a debt not owed, most recently XX/XX/2021, which in the course of their investigative consumer report the accounts were not removed within four days as it should be under identity theft. I constantly receive the response of the negative accounts being " verified '' but under an investigative consumer report, personal interviews with neighbors, friends or associates of the consumer reported on must be done. I have not gotten any information as to who was spoken to or any other verifiable information, to verify their claim. I also sent a notice to cease and desist on XX/XX/2021 complaint ID : XXXX to not communicate indirectly through any medium and cease and desist reporting the information to my consumer reports which has been violated due to the reporting of these negative accounts still being furnished to my consumer report defaming my character.
Product: Credit card or prepaid card

I accepted a credit card with a promotional 18 month zero percent interest with a XXXX XXXX credit line, I also had another card with a XXXX credit line both with Fifth Third Bank. On XX/XX/2020 both cards were reduced to XXXX XXXX  and the second one to XXXX XXXX. Fifth third didnt keep the promotional agreement and leaving me with a high usage of on one card and a credit score that would suffer because of the reduced amount. I called fifth third and they stated they would restore the credit lines if I accepted a hard pull to my credit but couldnt receive the zero percent interest. Im very annoyed by fifth third because they send me loan offers every week and took the credit lines in the middle of a pandemic when I never missed a payment, why reduce my credit and then offer loans?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this acxount with XXXX XXXX for a while. I went to financial difficulties and became homeless.in XX/XX/XXXX i contacted the bank to help me with XXXX XXXX, XXXX, zales/XXXX and XXXX. I was told that i qualified for the hardship program. The young lady even went to the extent of pre programming my payments for all 4 acxounts to ensure i was complying with the rukes and to also, ensure my decotiin to fixing my credit and in becoming an active meber with XXXX   XXXX. My XXXX account was sold off to XXXX and it was NOT enrolled in the hardahip program as it was suppposed to. I asked for documentation in XX/XX/XXXX, when the rep XXXX i spoke to, told me it was a miatake on the banks end. It showed i did everything right, and the mistake was that none of my accounts were added to the hardship program. The form was not dilled out by the rep back in XX/XX/XXXX. He stated he was emailing his supervisor amd was also including that i wanted a call back. My XXXX/zales account was charhed off during the time it also, should of been protected by the hardship program, which this acxount was also missed ... The only two accounts that i finished and successfully paid everything are current and upto date. XXXXXXXX amd zales were both charhed off, when they werent suppose to..and also, i have spent all of XXXX trying to rectify and speak to a manager or supervisor about the error and no one cares to fix it. I am beung to told to call the third party company trying to collect on a debt they should of. Never had and on debts that i tried saving. The error also falls on the bank becuse tbey refuse to give me the paperwork or prood my accounts were under the hardship program. XXXX  XXXX was willing to help me and now, the acxount got so out of hand that it also charged off. Please help me. I am being hung up on, ignored and my credit is getting worse. I called in XX/XX/XXXX and that day alone i spoke to XXXX in hardship, XXXX in assist department, XXXX, XXXX, XXXX and XXXX all hung up on me..me trying to get ahold of a hardship supervisor.. 

My address is XXXX XXXX XXXX, XXXX XXXX
Product: Credit card

On XX/XX/year> Ally credit card statement showed a charge of {$950.00}. I did not make a purchase for that amount of that day. When I noticed charge I called Ally and they admitted error immediately and claimed they should have reversed it but did not. The service representative offered no explanation or apology ; also when I requested reference number of some way to log my case she wouldnt comply. She also did not say when or how the charge would be resolved. The connection was bad on her end and was having difficulty hearing clearly. Thats the story.
Product: Money transfer, virtual currency, or money service

This was emailed to me 4 times from " XXXX ''. I use neither Paypal or XXXX services. 

PayPaI Customer Care XXXX Weve identified an unauthorized transaction made from your PayPal account to XXXX : Amount : {$410.00} Transaction ID : XXXX Date XX/XX/year> To safeguard your account and ensure a full refund, Please reach out to our Customer Support team immediately at ( XXXX ) X ( XXXX ) X ( XXXX ) Our representatives are available XXXX to assist you in resolving this issue and preventing any additional unauthorized activity. 

Your accounts security is our top priority, and were fully committed to helping you address this matter swiftly. We appreciate your immediate attention to this alert. 

Best regards, PayPal Security Team ( XXXX ) X ( XXXX ) X ( XXXX ) Do Not Share This Email This email contains a secure link to XXXX. Please do not share this email, link, or access code with others. 

Alternate Signing Method Visit Docusign.com, click 'Access Documents ', and enter the security code : XXXX About Docusign Sign documents electronically in just minutes. It's safe, secure, and legally binding. Whether you're in an office, at home, on-the-go -- or even across the globe -- XXXX provides a professional trusted solution for Digital Transaction Management.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

my name is XXXX XXXX, i am XXXX  years of age and i have been a victim of identity theft for over XXXX years. 
someone has used and currently using my personal information to obtain services and goods using my personal information.enclosed i have supporting documents to support my claim on this identity theft fraudulent accounts that have been opened in my name fraudulently.i have sent this same information to the creditors and to the credit bureaus, and it seems that everyone has turned down my request. i desperately need assistance with this matter to clear up these unwanted debt off my current credit report. 
thank you. 
XXXX XXXX.
Product: Credit card

In XX/XX/year>, I had contacted XXXX XXXX XXXX XXXX ( XXXX ), a Canadian company, to ask questions I had about an upcoming trip where I had to visit Canada. XXXX XXXX and Waiver Services mislead me, telling me I needed paperwork to enter Canada that I later found out was not needed. When speaking with XXXX, I was advised that they would be adding 2 services to my file because it looks better, but I can cancel the 2nd service after receiving the first but would have to wait until XXXX. I specifically asked if I could cancel after my trip in XXXX, they said yes. After my trip in XXXX, I called to cancel the second service and after being passed around to multiple people, I was told they are refusing my request. I asked them to review our calls where I was specifically told I had to wait until after XXXX to cancel, but could cancel after XXXX. They reviewed the calls, ADMITTED I was told this information, but told me they are not going to refund me. I was also on a payment plan for 10 months starting in XXXX, but was charged in full over XXXX transactions in XXXX. I contacted Apple Card Services ( Goldman Sachs bank ) to dispute the charge. There was some confusion as the charge was for {$2000.00} CAN, and it was spread out over 2 payments. Because I was being charged for 2 services but only proceeded with one, I was only trying to dispute the one service. My dispute is repeatedly being denied, although multiple customer service agents assure me it will be taken care of. I have sent information over and over including the payment plan that I was supposed to be charged for, the paperwork that was never completed, and the initial paperwork I signed stating it can be canceled at any point. This is for the {$2000.00} CAN on the paperwork, as I was not disputing the {$1600.00} charge ( which are the first 2 {$800.00} showing on the payment plan ). Although I was mislead about both services, they did the work for the {$1600.00} service NOT the {$2000.00} service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX  and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit reports are showing a LARGE list of accounts which are all student loan related.

The issue that i have is, they are past the statue of limitations to report them.

the way the companies got AROUND that, is they show " new '' activity in the last 2 years, and say payments were made when no payments were. So they stay on my Credit file because the companies RE AGED them illegally by lying thru the reporting. They show months reporting ok ( when no payments were made ), but in the payments received under it it says 0 When you look at terms they list 0 per month paid monthly. Some were even CLOSED Before the update date. how do you update on a closed account?

There are SO many Accounts from them that i would be here if i listed all them.. because they are ALL wrong and ALL past the statue of limitations. They did this just to keep them on my file. Which is against the law.

If they do not remove these, i will be looking for an attorney to go to court over this. As it is hindering my chances of receiving credit. It is like this on ALL 3 of my reports.

XXXX  ( report confirmation XXXX ) XXXX  ( File number XXXX ) Experian ( Report number XXXX ) I have highlighted the XXXX  report to show examples of what i am talking about, the other 2 reports show the same thing and between the 3 its about 40+ accounts, which is too much to list here but you will get the idea from the transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received confirmation nor certified testimony that your offices complied with FCRA and all of its mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certificate in testimony that the alleged accounts in Exhibit A are in fact compliant and not subterfuge. Furthermore, for all alleged accounts in Exhibit A to be verified, under sec. XXXX of the FCRA, please provide me with permissible purpose from the creditors, a certified copy of the original contracts with my written authorization and wet ink signature from the creditors, and proof that Ive intiated the contractual agreements with the creditors of the alleged accounts in Exhibit A. Failure to substantiate all claims for the alleged accounts in Exhibit A should result in immediate removal of the accounts from my credit report, under the XXXX, within 30 days. Furthermore, failure to provide valid and accurate documentation would result in being convicted of XXXX. Provide a response with documents within 30 days. *** ( Copied from the affidavit attached ) ***
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable answers. Experian has neither corrected or removed disputed items despite evidence provided causing ongoing harm to my credit standing. Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 Please help me with Experian in delving into my Identity Theft and clearing all the inaccuracies on my credit report. 

I asked them to correct all the improperly listed types of residence addresses. Also, I requested that they update the incorrect versions of my name. Additionally, to check on unapplied for credit accounts. This took 4 hours of my time.
Unfortunately, a greater portion is still INCORRECT.
I am a victim of IDENTITY THEFT and they are NOT addressing my concerns. As a previous victim of Identity Theft, I am well aware of the WARNING SIGNS. 

I have attached a color-coded version to make it easy to understand the inaccuracies. 

Thank you in advance for your assistance!
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. I have submitted the same complaints for several times already but still this item is visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I have included here my FTC report and Police Report which I filed on my local Police Department. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX CO XXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$3200.00}
Product: Credit card or prepaid card

For may years, but especially this year Citibank has been blocking purchases and while their management team has promised to text me to confirm authorization they have not and instead forced me to call in requiring 20 minutes or more to resolve. After repeated problems they offered me an upgrade card that cost {$500.00} their " Elite '' card that representatives promised would resolve the unnecessary declines that included trying to buy an {$8.00} sandwich. I have an 800+ credit rating, by the way. The new card did not resolve the issue but rather it became MUCH WORSE. I was so angry talking with their managers after repeated unnecessary declines, that I got into a parking lot car accident costing me several thousand dollars. After several incidents, I escalated the matter to their corporate office when I demanded my {$400.00} back. She said she could not do that but would credit me XXXX XXXX Airline miles. After several months, the credits did not hit. I emailed Citibank and the executive office called and denied they had agreed to miles, that was yesterday XX/XX/17. Hence my complaint today. Citibank card : ending in XXXX
Product: Vehicle loan or lease

Paid off vehicle loan XX/XX/year>. Chase auto has yet to release the lien on title with the state of Georgia. Called and first rep I spoke with, was very un professional. 

I spoke with the Georgia department of revenue, and they stated chase auto are the only ones that can release the lien on the vehicle title.
Product: Debt collection

This company first of all goes by many different names. XXXX XXXX and XXXX XXXX harassed my brother at his place of employment seeking information on me. They also harassed an old roommate of mine whom I have not seen in years. They find any information about you online and harass everyone. Upon starting to pay them because I was unaware of any rights of mine protecting me against unfair debt collections, and I was also terrified of them harassing my friends and family. I am almost done with paying them and come to find out I receive another bill from yet another debt collector for the original debt that I supposedly paid to these people! ASG XXXX, XXXX, XXXX, XXXX. I found all these names.
Product: Checking or savings account

my account was blocked back in XXXX. Citibank keeps changing the date the account was blocked and although they do, I have letters with the original date that was sent to me back in XXXX. I was told my account would be closed within 30-60 calendar days from XX/XX/XXXX then it became XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and eventually XX/XX/XXXX. it is now XX/XX/XXXX and my account is still closed. was given a date of XX/XX/XXXX that my account would be fully closed and here we are its still open. when I inquired about this they said It was because a pending dispute however I informed them all 53 letter I got in the mail that week said each and every dispute would not be honored and that they were a finished matter. 6 separate representatives have said they have requested the expedition of my account closure. nothing has happened as a result of this. Citibank is now in violation of the statues governed by the Department of Banking and Insurance. this has caused severe and  unrepairable financial damage to myself and my family. Citibank has made no effort to professionally handle this issue and I believe they are doing this because I was wiring {$30000.00} out of my account to pay the second portion of the down payment on the home I was purchasing which I now have not been able to and the first half of my down payment which was non refundable has been kept and I am out that money, which there is no reason this should have happened.