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

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

Kikoff Lending , LLC XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted Kikoff Lending , LLC and asked for them to investigate and remove the inaccurate account ( XXXX ) from my consumer reports that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 | sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like l 'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person
Product: Student loan

I was told by the government that my student loan would be forgiven because I receive XXXX. I sent money to the forgiveness program, and they never applied any amount of money to my account. With saying that, I would like to have the previous amount owed to my students loans erased from my credit report please. This is really hurting me. Please help. I was paying monthly to the forgiveness program. Navient is the company. I have about 7 accounts. All are negative.
Product: Credit card or prepaid card

Barclays bank had a computer issue that did not process scheduled " repeat payments '' and then charged the consumer a late fee and interest charges. This was not completed without talking to the company to correct the issue. I was on a repeat schedule on the XXXX of every month of {$100.00}, they failed to process it ( on XX/XX/21 ) and was charged fees {$29.00} & {$1.00} on the XXXX. During my phone call with Barclays I authorized the payment for the normal amount of {$100.00}. They fraudulently charged a second payment of {$100.00} on XX/XX/21 and are not willing to send refund to me at this point. I am being told this could take up to two ( 2 ) months to receive the payment back to m. his could cause secondary issues with paying my other bills causing late payments or " refused/denied '' payments from my bank for other bills such at housing and transportation. Barclays continued to disagree with my statements that their charge of the second {$100.00} on XX/XX/21 was unauthorized and therefore fraudulent. They refused to help and continued to state that their protocol was to take this " normal '' amount to time to resolve the issue, which I completely disagreed with and again requested my reimbursement to be received no later than Tues XX/XX/21.
Product: Debt collection

I received a phone message from XXXX XXXX XXXX XXXX. They called me about debt related to a deceased family member, XXXX XXXX. I am not responsible for any debt he may owe. This phone message ( left on my machine ) sounded like a typical phone scam aimed at older consumers. The return phone number left in the message is XXXX. Internet research showed this phone message to be a scam aimed at older consumers. 

Mr. XXXX was my sister-in-law 's father ( XXXX XXXX XXXX ). He passed away in late XX/XX/2018. I am only related to him through marriage and not responsible for any debt he left. When I contacted my brother to report the phone message, he said that it was a scam. 

When I contacted the company to have my number removed from their call list, I was told that the consumer service representative had to " obtain permission '' to remove me form their call list. When I called again, I was told the same lie.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have been a victim of identity theft and promptly reported the incident. 

It is crucial to address this matter promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to SYNCHRONY concerning my credit report. Due to suspicious activity on my credit report. I simply asked SYNCHRONY to validate and verify the information with that they have on file concerning collections accounts and Hard inquiries that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just affect me it effects my family too. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got nowhere after 30 days and then a second letter sent another 20 days so 50 days of waiting on a response.
Product: Debt collection

Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was {$160000.00}. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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

if am correct it was XX/XX/2016 I open an account with XXXX XXXX phone company I had phone lines after about 6 months XXXX XXXX called that am owing XXXX XXXX over six thousand dollars then I ask them how they said because I be using my phone to call XXXX, then, I told them this a lie from XXXX, I call XXXX using a calling card same thing I was doing with my XXXX phone which I still do till tomorrow and I have never have any problem with XXXX, then I ask them do I have a long distance on my phone they said no, then I ask them again did I ask for a long distance on my phone they said no, then I ask how come XXXX XXXX said am calling XXXX on my phone, then they came with another fraud saying that they will settle everything for {$2700.00} and I told them that is a lie from the pit of XXXX, then I did my researched on line I found out that this is a legal fraud XXXX XXXX has been doing with people lives. Sometime last year I received a letter from Equifax  saying someone from XXXX XXXX access my account with them, then late last year FBI from XXXX  wrote me that someone has been arrested using my identity and also I have a letter from XXXX dmv saying my car is in impound over there but since I have been in this Country I do not even know where is XXXX and now XXXX XXXX sent my information to a credit collection agency call XXXX my life is miserable because of XXXX XXXX fraud, pls help me all I need is justice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is unable to verify bankruptcy by providing who at the court verified the information. Name of the person and date and time it was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint as well as the attachments included in this complaint I checked my credit report and I noticed numerous inaccuracies on my credit report I reached out to the credit reporting agencies notifying them of the issues and to correct the issues but they did not nor did they respond
Product: Credit card or prepaid card

I am reaching out to report a Fraudulent Credit Card account with Bank of America ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files. 
This account was not opened by me and I never consented to a Credit Card with Bank of America. I called Bank of America regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at Bank of America. Bank of America informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX XXXX XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

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

I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, Ad Astra EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, Ad Astra FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Ally Financial violated my rights under 15 USC 1681 section 602 states, I have the right to privacy under 15 USC 1641 section 604A section 2 A consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may treat a payment on an account under an open an consumer credit plan AS LATE for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed a complaint with you Complaint ID number XXXX. You responded by saying the company responded saying they need more time for this investigation however I got a letter from Transunion giving me the results of their concluded investigation so they are not still working on the investigation according to the letter I received they have completed the investigation and I still dont understand what happened at or what they changed. I emailed you back after you sent me the notice about the meeting more time but I dont know if it got to you. I have proof, a letter they sent me last week saying they had concluded the investigation and found the information to be last week saying they had concluded the investigation and found the information to be accurate although they did make changes to my report, what changes I have no idea because I don't understand their Report.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2021 I called a number given to me on the XXXX/XXXX I informed the person that I was trying to connect my prime service to my TV so we could watch movies The person on the other end ask me for the code that i was given on my TV and ask that i open my apple phone and place it next to my XXXX that I was using which I complied next thing I know the person is asking me some questions that had nothing to do with the issue. 
I felt something was not right and decided to check my bank and that was when I realized that my bank account had been hacked Someone sent a XXXX payment to a person I do not know for {$1300.00} which cleared my checking account. 
They then proceeded to clear my savings account that was linked to my checking account with two transfers one for XXXX and another for XXXX I called M & T Bank right away and reported it and ask them to locked my online access and to issue me new ATM Cards. The following day I visited the bank personally and spoke to the teller who then call the main bank to see information she then ask some questions about XXXX and a XXXX XXXX, I told them that I have never use that service and after a few more question I was told. that I should hear from Bank after 72 hours On Wenesday I went back to the bank and was told my money was back in my account but upon checking I noticed that the savings account money was in back in my account because the hackers couldn't finish the transaction but the amount of the first XXXX transfer was not credited. When I called the bank I was told the credit was denied and the case was closed. I want the bank to refund my {$1300.00} plus {$110.00} overdraft fees charged to me because there was no money in the account when some of my other payments came in. 
anything you can do to help will be appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

This company did not complete an investigation for the fraudulent hard inquiries on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/XXXX. 

Transunion : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX Auto XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My account has been restricted for about 40 days already by Upgrade/XXXX XXXX XXXX  XXXX I'm unable to access {$5500.00} in my savings. I've reached out to Upgrade several times. They have neither requested any documents nor give me as estimated time of resolution, keeping me in total dark. They just say 'they are not the department who is handling the issue '. And there appears to be no option to reach out 'the department ' either.
Product: Credit card

On XX/XX/XXXX, I checked my credit rating on my banking app and discovered it was much lower than expected ( I hadn't done this before having just found this feature in the app ). I found a credit card I did not recognize from Barclays Bank of Delaware that had late payments in XXXX and a balance of {$40000.00}. Also, a XXXX, TX address I did not recognize. I called Barclays immediately and reported it saying it was not me and was identity theft. They responded in writing in a XX/XX/XXXX letter saying they were denying my claim and included the last four digits of the card number XXXX. I called them again on XX/XX/XXXX and requested the full card number and the application, but was denied and told they would raise it up to the next level or review. On XX/XX/XXXX, I called again having not heard from them but this time with an XXXX XXXX XXXX representative helping me. Barclays then requested a letter with documentation, something they hadn't requested previously. On XX/XX/XXXX, I mailed them a two-page letter explaining it was not me that applied for the card and that I have never lived in XXXX and that I've lived in XXXX at my current address since XXXX. I included a police report, copies of utility bills and State of California paycheck stubs from XXXX and XXXX. They said they would respond in 30 days. After at least six phone calls between XX/XX/XXXX and XX/XX/XXXX, they finally responded only after I threatened to sue them. Their XX/XX/XXXX letter again denied my fraud claim and was word-for-word identical to the one they sent in XXXX. It is clear they never intended to approve my claim and remove the card and XXXX address from my credit history as I requested. They are incompetent, negligent, and have demonstrated bad faith throughout this process. I have hired an attorney who instructed me to submit this complaint with the CFPB. I can only hope you have some power to force Barclays to remove the card from my credit history.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against XXXX XXXX for their refusal to remove a fully paid collection account from my credit report, despite my efforts to resolve this issue. The continued reporting of this paid account is unfair, unnecessary, and damaging to my credit profile. 

Details of the Account in Question Collection Agency : XXXX XXXX Original Creditor : XXXX Insurance Amount : {$77.00} XXXX XXXX XXXX : XXXX XXXX Dispute Dates : XX/XX/year>, and XX/XX/year> Steps Taken to Resolve This Matter Contacted XXXX XXXX I requested a pay-for-delete agreement, as I was willing to pay the full amount in exchange for account deletion. The agency refused to comply with my request, even though the debt was of a minimal amount. 
Contacted XXXX XXXX I reached out to XXXX XXXX, the original creditor, to confirm the validity of the debt and seek assistance in having the negative report removed. 
Filed Disputes with XXXX ( Dates : XX/XX/year> & XX/XX/year> ) I submitted formal disputes requesting the removal of this paid collection account, yet the negative mark remains on my credit report. 
Legal Violations & Unfair Practices Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ), I have the right to dispute and request the removal of outdated, inaccurate, or unverifiable information on my credit report. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e ( 8 ) ) prohibits debt collectors from engaging in unfair, deceptive, or misleading practices, including failing to update and report accurate consumer credit information. 

This debt of only {$77.00} was paid in full, and it serves no legitimate business purpose to continue reporting it as a collection account. Many creditors and collection agencies routinely remove small-dollar paid collections in accordance with best practices. XXXX XXXX ' refusal to do so is an unreasonable and harmful practice. 

Requested Resolution I respectfully request the CFPB investigate this matter and direct XXXX XXXX to remove this paid collection account from my credit report. Their refusal to delete an account that has been resolved in good faith is unjustified and negatively impacts my financial standing. 

I appreciate your prompt attention to this complaint. Please contact me at XXXX or XXXX, if additional information is needed. 

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

This is my NUMEROUS request that 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 ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$680.00} ; XXXX XX/XX/2021.