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

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} XXXX Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$670.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/year> Amount : {$590.00} XXXX Account Number : XXXX Date : XX/XX/year> Amount : {$590.00} Inquiries : XXXX  Date XXXX XX/XX/year>
Product: Student loan

I keep getting calls from the collector of my student loan, Weltman Weinber & Associates, at very inconvenient times, before XXXX on weekdays. I have filed a complaint with them before through the Ohio XXXX and they had agreed to stop the calls. However ; their calls continue to be placed very early in the morning. I want this level of harassment to stop and to communicate with them only through mail at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a debt consolidation loan and unfortunately, I did not get approved. I called them to ask why I was denied and they told me that I didn't qualify because there are four accounts with negative history appearing on my credit. I looked through my credit report and sure enough, there are four negative accounts that I never opened. None of these accounts belong to me and I did not give anyone permission to open these accounts using my personal information. In 2013 I lost my wallet at XXXX XXXX XXXX XXXX which had my driver 's license, ID, social security card and my debit card. I did not authorize these companies to have access to my credit file now personal information ; I did not benefit anything such as money, goods, services or any other benefit as a result of these unauthorized accounts. I have filed this report to the best of my knowledge.
Product: Credit reporting

There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years
Product: Credit card

Citi closed my credit card account on XXXX XXXX, per their business decision. I understand that Citi has the right to terminate the account per a multitude of reasons - and it was their business decision to do so. 
I had a Citi double cash card - where I get 1 % cash back when in the statement cycle when I make a purchase and get 1 % in the statement cycle when I make a payment. When my account was closed, my rewards were automatically forfeited and I was unable to redeem them. I feel this practice abusive and unfair by Citi - because I could not reasonably avoid it ; Citi closed my account upon my statement cycle and did not allow me to neither redeem rewards on my recently closed statement nor on the statement prior to that. I feel that Citi let me use the card for 2 months - which I used with the intent to obtain rewards - and clearly not making provisions for me to redeem the rewards after they closed the account. 
I contacted Citi to obtain my rewards and I was told nothing could be done. 
I am looking for Citi to give me {$46.00} for the forfeited rewards.
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me and I firmly suspect their authenticity. I implore you to conduct a thorough investigation and promptly delete them from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX  are listing an account that does not belong to me. The account in question is XXXX XXXX. I have tried to get this situation resolved without anything being done and honestly looking into getting an attorney. The amount is for {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00} EQUIFAX : 1. XXXX  XXXX XXXX Balance Owed : {$1500.00} 2. XXXX  XXXX XXXX Balance Owed : {$640.00} 3. XXXX  XXXX XXXX Balance Owed : {$1900.00} 4. XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

This is the 4th time this year Bank of America has returned payments to bank. I have now been banned by XXXX different Banks from using my Bank of America account for them constantly returning payments. Bank of America has signal handed destroyed my credit with their actions. The other day they returned a deposit to XXXX Bank. Earlier this year they returned a deposit to XXXX. They submitted the return on the wrong account and cause my credit account to be closed. Today Bank of America refunded a {$70.00} payment to XXXX XXXX Bank. When I checked my account on XXXX/XXXX/16 I noticed it was at - {$11.00} with the XXXX XXXX XXXX Bank payments pending. Bank of America purposely sent up their withdraws and deposit purposely to benefit them. XXXX XXXX is set up for automatic withdraw. XXXX of their payments came through on XXXX and post on XXXX XXXX side on XXXX. Bank of America did not even begin to process theses till XXXX although they claimed to me today to do no work on the weekend. When I called Bank of America early XXXX they informed me my transfer from XXXX bank should post today the transfer amount was for {$13.00} this more than covered the difference. This morning I checked my account to see that Bank of America returned my {$70.00} payment to XXXX XXXX. They charged me a {$35.00} NSF fee for the returned payment and then posted my deposit on XXXX. Bank of America refused to return the fee even though their staff were the ones to inform me that the {$13.00} transfer would go through on Monday. If I had known then I could have easily made a deposit in the ATM if the transfer was not going to process. I am located in XXXX were Bank of America is headquartered I could have easily made a deposit at the XXXX of Bank of America locations in the city. Bank of America Deposit and charge policy is so selective their is absolutely no way to be prepared as a Bank member what they may or may not do. XXXX day something is posting and then the next its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX after my credit score dropped almost XXXX points XXXX reported my loans 90 days past due but I did a deferment. I was not notified by XXXX before deferment ended. I submitted a dispute the same day XXXX  put a forbearance in place that I was not aware that I had available to me. On each loan with Experian and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday Experian sent me a notification that my dispute was completed and XXXX changed nothing and left all loans as is. I called Experian and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving XXXX another 30 days to fix it. I brought this to XXXX attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called XXXX about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again XXXX will not give me any information. I have had nothing but headaches with XXXX since they were XXXX XXXX. I did a rehabilitation in XXXX for XXXX loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue XXXX and Experian. The loans for XXXX College also belong to once was XXXX XXXX. In XXXX I believe XXXX  XXXX switched the name to XXXX College. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. Virginia College took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My Virginia College loans are with XXXX I believe. I asked XXXX for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of XXXX.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Student loan

I am currently on the PAYE plan and submitted a recalculation application based on a large decrease in income on XX/XX/year>. Mohela will not process this application stating it is due to the injunction and lawsuits on the SAVE plan. However, according to the department of education, my application should still be processed because it was submitted prior to XX/XX/year>. Mohela is basically overcharging me and not honoring the application for recertification and recalculation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX my SSN is XXXX and my DOB is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court Important dates Original filing dateXXXX XXXX XXXX XXXX  Latest status dateXXXX  XXXX, XXXX Additional details Reference numberXXXX Record typeXXXX XXXX bankruptcy discharged CourtU.S. Bankruptcy Court XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal dateXXXX XXXX Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, TransUnion sent me a copy of my credit report after updating my personal information. I noticed several accounts were reporting inaccurately and I knew the specific accounts reporting was not mine. So on XX/XX/2020 I disputed four inaccurate accounts which were XXXX, XXXX, XXXX XXXX AND XXXX   with TransUnion via U.S. certified mail. TransUnion sent results in the mail on XX/XX/2020 deleting the XXXX account and claiming to have verified the XXXX, XXXX and XXXX accounts. On XX/XX/2020, I sent TransUnion a letter requesting for a re-investigation to be done on the verified accounts by providing actual proof ( i.e., a note, contract, instrument ). On XX/XX/2020, TransUnion responded and refused to provide actual proof as to how they verified the accounts. On XX/XX/2020, I sent TransUnion a certified letter warning them to remove the disputed accounts or face having a complaint being filed against them. On XX/XX/2020, TransUnion completely disregarded my dispute and just sent the same generic computerized verification response as they did my previous request and just said that the XXXX was verified again in a separate response letter. TransUnion also failed to verify the date that notified the furnisher. TransUnion also failed to verify the date that notified the furnisher. I also warned them that if they did not properly-investigate my dispute and remove the disputed accounts from my report, that I would be filing a complaint with the Consumer Financial Protection Bureau. Due to TransUnion failure to properly investigate my dispute and delete the disputed accounts, it's causing unverifiable derogatory statuses to reflect on my credit report which is having a negative effect on my credit report score and will be injurious to me in the very near future. XXXX deleted the accounts from my report because they were not verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and am unaware of these inquiries. I ask that the items be deleted to correct my credit report. 
I reported my identity theft to the Federal Trade Commission and have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request for Deletion of Collection Account Dear Collectech Diversified Inc, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent. 

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

I am submitting this complaint against and there is no third party involved. All three major credit bureaus have my personal information inaccurate on my consumer report. My name is spelled incorrectly. My addresses are inaccurate. The phone numbers are inaccurate, they dont belong to me. The employer section is inaccurate, I do not work for those places. The name on my ID and social security card is how my name should be spelled. The address on my ID is the only address that should be shown on my credit report. I DEMAND all three of the major credit reporting bureaus TO CORRECT THIS INACCURATE INFORMATION WITHIN XXXX BUSINESS DAYS BECAUSE IT IS CAUSING ME PROBLEMS WITH GETTING HOUSEHOLD GOODS, SERVICES, A PLACE TO LIVE FOR MY FAMILY AND, TRANSPORTATION AND MORE. ALL THREE CREDIT BUREAUS are now liable for damages of {$1000.00} per violation for Civil liability for willful noncompliance with all three credit bureaus failed to comply. Pursuant 15 USC 168 1 and any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I demand All three credit bureaus to provide me with a copy of my written instructions and consent to furnish these fraudulent and inaccurate said accounts ( Exhibits provided ). Also please provide me with

their Verification method to verify said accounts. In accordance with the FAIR CREDIT REPORTING ACT ( FRCA ) These three credit bureaus HAVE VIOLATED MY RIGHTS 16 USC 1681 SECTION 602 states I have right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written permission or instructions. I only want positive reporting on my report, from this day forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX Balance Owed : {$610.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$8800.00}, XXXX XXXX XXXX Balance Owed : {$580.00}, XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX Balance Owed : {$1100.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE