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

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX {$660.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$16000.00} XXXX XXXX {$210.00} XXXX XXXX XXXXXXXX {$460.00} AR CHILD SUPPORT ENF  XXXX {$97.00} XXXX   XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

So a few months back, I was looking at my credit on a credit monitoring app. When I noticed account that I never open or gave anyone the authorization to open this account in my name. The account was XXXX XXXX. I then reached out to the company that was reporting on my credit. They never responded back to me, After trying XXXX XXXX numerous time and no response. I then reach out to the credit bureau that was reporting the error on my credit report, which was Experian, XXXX and XXXX. At first all three bureaus removed the XXXX XXXX account from my credit report, But then without any notice Experian and XXXX Decided to add back the XXXX XXXX account without giving me a 30 day notice.
Product: Credit reporting or other personal consumer reports

remove all negative accts and update as paid and agreed remove all XXXX addresses and all names except ( XXXX XXXX ) from report. non mailable addresses remove all names student loans should not be violating my privacy rights and posting transactional history on my consumer credit report family educational rights and privacy act 15 usc 1681 15 usc 6802 pursuant to the Privacy act of 1974
Product: Credit card or prepaid card

In 2022, my husband and I purchased a house that needed to be updated. I purchased several XXXX dollars worth of merchandise from Wayfair. I paid the card off every month and did not pay any interest except for {$10.00} or so when I returned a XXXX XXXX 

The last time I purchased something from Wayfair was in XX/XX/2022. I received statements from Wayfair in XXXX, XXXX and XXXX which showed that not only did I not owe them any money but they owed me {$19.00} that I had overpaid. Those statements have since been modified so that there is an amount of {$260.00} due but that amount was not on the statements I received. Nor was there any interest charged because the charge was not even on those statements originally. 

In fact the amount couldn't have been on those statements since the first statement I received saying that I owed Wayfair anything was in XX/XX/2022. The Wayfair statement said that I purchased something on XX/XX/XXXX for {$280.00} ( XXXX  XXXX ). Since I had not purchased anything since XXXX, I immediately called Wayfair and the person I talked to had no idea what the charge was for and had me file a fraud complaint. I filed the complaint and eventually Wayfair came back and said I owed the money. However I was able to find out that the {$280.00} was for a XXXX XXXX door. 

So then I did more research and you can see from my credit card statements from Wayfair that I paid my balance of {$280.00} and {$280.00} for a total of {$560.00} ( XXXX XXXX ). Wayfair 's statement says that the amount has been transferred and the payment is complete. So then I called Wayfair back and filed another billing dispute with Citi Retail attaching Wayfairs paperwork stating that I had already paid that amount. Citi Retail sent me a XXXX  XXXX statement and said I got the door and still owed for the door and they would ruin my XXXX credit score if I didn't pay them. 

I know I got the door. It is installed in my house right now. I didn't purchase it on XX/XX/2022 like they are claiming, I purchased in in XXXX and paid for it and a faucet the next billing cycle. The XXXX XXXX statement that they send me shows it was delivered in XXXX ( EXH XXXX ). 

I already paid Wayfair for this door. Wayfair 's credit card statements prove I paid for the door. How can Wayfair make up an amount 6 months after I purchased and paid for it and try to harass me into paying for it again. I will never buy anything from them again. They are not ethical. Please help.
Product: Student loan

My former student loan servicer was Great Lakes. I have only federal loans. The servicer are switched from Great Lakes to Nelnet. I submitted an income driven repayment, plan application as well as a public student loan forgiveness application with great lakes. They never processed the application nor did they forward that to Nelnet. I was not able to access my account to check on this during the transition. But I am now seeing that the applications Were pending and Nelnet is saying they never received them from Great Lakes. I have to start all over and Ive been in public service for XXXX years. I have an interest rate that is now higher than what I originally agreed to. Im looking at {$130000.00} in student loan debt. I recently submitted my student loan forgiveness application through the federal student aid website which went through. That is how I found out great lakes did not process my applications or share them with Nelnet. Nelnet is saying I never submitted these, but it is clear I did on the federal website. I am unable to access my account at Nelnet. They are saying no username or account created. Every time I try to call them to get my account fixed, they say they dont have record of it and that I am in default. It has been extremely difficult to navigate having my loan provider switch and interest rates change. In addition to that, I have no recourse and, getting access to Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Experian in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Experian, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Experian and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Experian was reporting an open date of XX/XX/XXXX for this account however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month inXX/XX/XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX I am filing this complaint myself I am not a third party nor an attorney. 
The reason for my dispute is -FINANCIAL DATA SYSTEMS # XXXX {$510.00}, -FINANCIAL DATA XXXX XXXX XXXX $ XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau XXXX XXXX in writing... under such section XXXX, subsection ( XXXX ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( XXXX ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( XXXX ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors.
Product: Debt collection

Woke up this morning to calls every 30 minutes..I answered told them I'd pay by the mid of the month since I'm only 3 days past due. They said they were gon na keep calling I informed them of my rights and how they can not harass and or call me more then a certain amount of times per week but they ignored it.
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the Equifax data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies have severely impacted my financial standing, credit score, and overall well-being. Despite Equifax 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : 1. Emotional distress caused by the breach and its consequences.

2. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues.

3. Any legal fees incurred while attempting to rectify this situation.

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action.

Please find attached documentation proving my status as a victim of the Equifax data breach and the consequent inaccuracies on my credit report.

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.

Sincerely,
Product: Money transfer, virtual currency, or money service

Im typing this to formally express my feelings regarding my Zelle transactions. Despite constantly using Zelle, they fail to fully and thoroughly investigate my claims. They lead me to believe that its was nonnegotiable and impossible to track these claims!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXXXXXX account number ( XXXX ), XXXX  XXXX account number ( XXXX ), XXXX  XXXX account number ( XXXX ), XXXX  XXXX account number ( XXXX ), XXXX XXXX account number ( XXXX ), XXXX  XXXX XXXX  account number ( XXXX ) XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ) XXXX  account number ( XXXX ) XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

The XXXX County Sheriffs Office ( California ) unfairly and incorrectly issued me four parking citations throughout the XXXX  of 2021 ( citation numbers XXXX ; XXXX ; XXXX ; and XXXX ). All four of the citations claimed that I was parked in a bus zone and/or bus lane. I was never parked in a bus zone and provided photographic evidence by mail proving it. 

However, the Sheriff 's Office apparently (? ) assigned the matter to a XXXX debt collector XXXX based in XXXX, Wisconsin, named Professional Account Management LLC, which itself is/was posing as a government agency ( XXXX County ) . For instance, their return address in XXXX is printed as : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and yet it is a Wisconsin address. They are not a government agency, but are posing as if they are. I continue to receive threatening mail from this collector using language like `` enforcement '', `` debt collection '', `` debt owed '', `` balance owed '', and `` validity of debt ''. Most recently, the debt collector has threatened to : `` submit my account to the XXXX XXXX XXXX ( XXXX  ) for interagency intercept collection. '' The debt is completely invalid. I have been extremely responsive *in writing* throughout the spring, summer, and fall of this year ( since the citations first appeared on my car ), and I am at my wit 's end. The debt collector is harassing me about an invalid debt, demanding hundreds of dollars from me, and all my attempts to have the citations reviewed and dismissed ( based on photographic evidence proving the debt is invalid ) have failed. 

I need help from the FTC or CFPB so that my state tax authority ( XXXX  ) and my credit do not become implicated in this harassment coming from a debt collector, demanding payment on a completely invalid debt, with this collector posing as a government agency.
Product: Vehicle loan or lease

Hey, my name is XXXX XXXX XXXX and I have noticed on my consumer report. That I see an auto loan that is not related to me. Which in fact, the consumer reporting agency have violated 15 U.S Code 6802 obligations with respect to disclosures of personal information. I need ( XXXX XXXX XXXX ) deleted immediately and removed from my consumer report. For the law 15 U.S Code 15 1681 c-2 blockage of information demands that you file an FTC Report . The account must reflect as deleted and removed from my consumer report within 1-3 business days.
Product: Credit reporting

This concerns EQUIFAX ; I do not have any problems with the XXXX other credit bureaus. To the point, on XX/XX/XXXX, EQUIFAX refused to provide the Free Annual Report ( online ), and then refused to provide my credit report and score, even though I was indicating, as a 'member ' ( online ) that I would pay for it. Almost immediately, I recv 'd a most disturbing email from EQUIFAX ( member benefits section ) indicating that " A change has been made to the e-mail address for your EQUIFAX account. This confirmation message has been sent to the old and new e-mail addresses. '' This is quite the concern for me, since my wife and I have had only XXXX email address since XX/XX/XXXX and have only used that XXXX email address in all of our dealings with the credit bureaus. I then promptly notifed EQUIFAX that I 've only had XXXX email address. EQUIFAX responded to inform me of a " reference number '' for my " email inquiry '' and that they " will respond within the next 2-3 business days. '' So, now it has been eight ( 8 ) business days later and still no response. This same refusal, again unexplained, took place last year when I requested my Free Annual Report. Kindly assist me by contacting EQUIFAX and asking them to respond to me. There is no adequate reason for EQUIFAX to continue to deny me the Free Annual Report and certainly not a report I am willing to pay for. I want to resolve whatever problem exists but EQUIFAX seems not to care about their responsibilities even if I am a paying customer. EQUIFAX needs more regulation and enforcement of laws protecting consumers.
Product: Checking or savings account

On XX/XX/XXXX, I received a refund due letter from the Internal Revenue Service ( IRS ) dated XX/XX/XXXX, advising if I have not already received this refund, I will receive it within 2-3 weeks from the date of the letter. I decided to contact the IRS since we are well past the 23-week timeframe they indicated. On XX/XX/XXXX, IRS representative XXXX XXXX informed me that the check was deposited on XX/XX/XXXX, to PNC Bank account ending XXXX. I advised this account has been closed for some time now and should have been rejected. XXXX XXXX advised there is nothing in the system to indicate this. That I should contact the bank to have them look into this payment. Upon contacting XXXX XXXX ( PNC rep ), she indicated a credit to my account was received on XX/XX/XXXX, for the amount of {$430.00}. Upon advising XXXX XXXX it is not legal for a bank to accept money into a closed account without my consent is considered an unfair practice and violates federal law, according to the Consumer Financial Protection Bureau ( CFPB ) guidelines outlined in Circular XXXX. This account has been closed since XXXX of XXXX and if a financial institution unilaterally reopens a closed account to process debits or deposits, it can constitute an unfair practice under the CFPA. XXXX XXXX advised this would have to be escalated to a higher authority and someone would get back in touch with me.
Product: Debt collection

On XX/XX/XXXX, I received a past due notice in the amount of {$1600.00} from XXXX XXXX XXXX University for past due charges on my student account. I paid these charges directly to the university, the original creditor, on XX/XX/XXXX. After I had paid the debt, I received a collections notice from Coast Professional Inc. ( XXXX XXXX XXXX XXXX, NY XXXX ) for the account in collections. Coast Professional ceased any further collection on the debt but has refused to remove the collection account from my credit report. They had no involvement in the transactional process with the original creditor nor at any time prior to the debt being paid did I have any communication with their agency. Their posting of this collection to my credit report is fraudulent and they have refused to delete the account despite multiple disputes directly with the agency and the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX