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

Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. As a result, I am reaching out once again to request your immediate attention to rectify this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take urgent action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. The following items should be removed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wrong phone numbers listed wrong address and my name is misspell on multiple credit reports
Product: Credit reporting or other personal consumer reports

ACCORDING TO, 15 U.S.C 1681, YOU ARE REQUIRED TO MAKE SURE THAT INFORMATION THAT IS BEEN REPORTED IS ACCURATE AND BEEN REPORTED FAIRLY AND HONEST AND YOU HAVEN'T DONE SO. YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT ANY AND ALL ACCOUNTS YOU POST ON A CREDIT REPORT, OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL,OR
EMAIL IN A FRAUDULENT ACCOUNT.
ACCORDING TO 15 U.S.C. 1681. YOU HAVEN'T DONE SO.
15 US 1692c(c). I HAVE NOTIFIED THE DEBT COLLECTOR AND EXPERIAN ABOUT THE DEBT IS NOT MINE, AND DUE TO EXPERIAN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT FOR THE DEBT COLLECTORS THEY ARE CALLING 5 TO 6 TIMES A DAYS WHEN I ASK NICELY TO STOP CALLING.



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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

An account with both my name and XXXX  sons name was opened underfalse pretenses. I was told I had to be a custodian for my son to have banking access, and now I'm being informed the account is " joint ''. The said account has been garnished under a law garnishment and is actually my XXXX  sons account and is my sons wages from his employer and contained none of my personal money. The legal department argued with me about the account that it's joint, however per Virginia law even if he was my husband ( which he is not he is my XXXX XXXX  ) but even if such they could only garnish 50 % of the account per law. My son has been devastated through this ordeal and is now scared of financial institutions and putting his money in the as he's had his entire account taken and additionally his paycheck from yesterday as well. The bank has many misleading words on their website I will attach images. Parents can be mislead to open an account and their child fall victim to adult garnishment.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed in the national data Bridge reviewing my credit reports I have noticed some accounts I am unfamiliar with. I have asked the CRA 's for validation of debt however, the information has not been provided due to my information being exposed I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Debt collection

I regularly check my credit and credit scores and have worked hard to maintain excellent credit. One day I saw that my score was lowered significantly and I saw there was a collection agency listed under my accounts for a last due amount from XXXX XXXX. XXXX  wont assist me, stating that the debt is. I longer theirs and can not be adjusted on their end and the collection agency can not be contacted. I can not find a valid contact number for them. I never received a bill from XXXX  or a notice of debt or an attempt and collection from the agency. I disputed this with XXXX  and XXXX  who will not remove it. They say it is valid but wont say how they came to that assumption
Product: Student loan

It has been extremely difficult to obtain online ( and telephone ) information to understand how to participate in the loan forgiveness program. And what little information is available, the onus of knowing what to do and submit is on the borrower. For example, the system is fully automated but my understanding is that I have to manually go back and review each loan and submit that information. It is an unclear and cumbersome process. I request that the process be transparent - above all else - easy to understand and user friendly to participate in. I am a XXXX prepared, XXXX who has been paying off loans for the last 20 years. I would like to understand my eligibility for the program clearly. 
Thank you for your immediate attention to this matter!
Product: Credit reporting or other personal consumer reports

Account Number XXXX. Date open XX/XX/2024. The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning incorrect addresses on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Student loan

All of my student loans originated prior to the 10 years requirement of making payments prior to having my student loans forgiven. ( student loan time frame XXXX XXXX and XXXX XXXX ). During that timeframe, the requirement was to provide civil service work for approximately 5 years and your loans can be forgiven. 
In which I had accumulated over 8 years of civil service work : - Three years as a XXXX XXXX  ( XXXX XXXX prison XXXX XXXX ) - 1 year as a XXXX ( XXXX XXXX ) - 4 years in Non-profit work ( New Concept Self Development Center XXXX and XXXX XXXX of XXXX Wisconsin XXXX XXXX XXXX I inquired about the student loan forgiveness program and have even submitted a complaint through CFPB. 
CFPB complaint filed against student loan servicer ( Case number XXXX ) Filed a complaint with the XXXX XXXX XXXX XXXX XX/XX/XXXX ( Ombudsman Case number XXXX ) regarding excessive interest being charged to my student loan balance. The final result was XX/XX/XXXX The XXXX XXXX XXXX  continued to extend forbearance offers A complaint with CFPB ( complaint ID XXXX ) filed on XX/XX/XXXX regarding dealing with Navient From XXXX XXXX XX/XX/XXXX, XXXX constant forbearance options offered and approved. Although I inquired about other student loan forgiveness options due to having 8 years of working in a public sector. 
In which I have now over XXXX in interest accumulated to my total student loan debt. 
Each request and material asked regarding student loan forgiveness programs were ignored or just declined.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion failed to properly in time investiagtae a complaint against a collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX MT XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$13.00}. According to FCRA Section 605B ( a ) the 3 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.

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

My identity was stolen, several credit and debit cards were skimmed and fraudulent charges were made without my knowledge, consent, or authorization. I filed a police report and have a notarized Identity Theft Affidavit and Cash App is refusing to settle the fraudulent charges that were made.
Product: Bank account or service

Usaa bank is in my mind committing the biggest act of consumer XXXX I have ever seen.You should be ashamed of yourselves. I got a letter from XXXX that investigated part of the issues and this is the second time they investigated and USAA has lied to them, And sadly, I have proof. I have two phone calls from one of your CEO telling me that USAA OWES ME NOTHING AT ALL, dated XXXX XXXX and XXXX XXXX. In letter to XXXX you stated in XXXX XXXX and XXXX XXXX that you were waiting for receipt of my medical bills for car accident. Which is untrue. You point blank told me in XXXX XXXX when I sent a 15 day demand letter over issues with BANKING, CREDIT CARD, AUTO and RENTERS INSURANCE, you told me you were gon na look into these matter, as of XXXX XXXX, nothing, not one issue was resolved or even addressed properly. You use your stall tactics well. I have phone records, faxes emails and the like to show all I have on my end to prove my issues are valid. But USAA Does not care if a customer complains cause you laugh it off. You have no state of grace. I never seen a company who operates under such false pretenses and I have heard my share of other USAA complaints form other former members and the fact that the issues are so similar scare me. Whenever there is an issue whether it be banking or insurance, USAA immediate response is to yell at the customer and make them feel bad. Usaa loves to use stall tactics and drag its feet so that it can use time to make the issue disappear without having to be responsible. Usaa uses standard policies to under mind its customers and pull rug out from underneath them. USAA does not return calls or letters or responses on time or ever in most cases, when it comes to handling a claim or having to respond or react to something and actually take care of policy or regulation issues. Usaa would rather spend money on keeping up false front then handling the banking and insurance issues they are suppose to. After all the issues we went through, with over XXXX policy issues not taken care of. And USAA closing bank accounts down and holding our money for months right after we were identity theft and that is just a few of the issues USAA has done. But after all that, after USAA refused to help get us a car when they were suppose to costing us over XXXX more money then needed. And after the XX/XX/XXXX car accident USAA had nerve to send letters begging we keep auto insurance policy active even though we did not have a car, so you could get your {$150.00} a month for NOTHING. You are quite simply worst of the worst. These issues will not go away until resolved.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian XXXX XXXX these found accounts. These accounts ... .lm askin to be removed ... .. Due these accounts showing doesn't belong to me the disputes lasted over XXXX days then I won the dispute. Then l received a written letter statements saying they were going to remove but pinstead these accounts still found on my credit report XXXXXXXX XXXX account # XXXX in XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I disputed the incorrect payment status reporting of this account. I am showing all payment to be made on time during the term of this account. XXXX is showing current status, yet XXXX and Transunion is showing 30 day late will reporting the months detail as on time. Please update the payment status from Late 30 days to Current to reflect the correct status.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX - {$580000.00} XXXXXXXX XXXX XXXX XXXX XXXX {$770.00} XXXXXXXX XXXX XXXX XXXX - {$22000.00} XXXX XXXX XXXX XXXX XXXX  {$810.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration.

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors.

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Credit reporting

The account XXXX do not belong to me. This account was removed from my credit file XXXX/XXXX/2014. I do not understand why it has appeared again. This inaccurate information must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I applied for a XXXX XXXX Credit Card. The Security Questions to verify my Identity were XXXX XXXX XXXX and no longer applied, or my family 's last name had 1 letter ( C ) missing on all questions. 
I checked with TransUnion and found them responsible for not updating and correcting family history, property ownership, and deaths in the family ... and proper spelling of our last name. 
The security questions on the recent credit card application were almost foreign to me, and today TransUnion expected me to remember my cell phone number from another state from over 10 or 12 years ago. 
These are NOT direct yes or no questions having to do with our current timeline. 
It had been way over a Decade and impossible to answer. 
They were outsourcing from XXXX. 
ISNT THAT WHERE INFORMATION WARFARE STARTED? 
SO, I AM BLOCKED FROM UPDATING MY TO MY CURRENT ADDRESS ... BECAUSE MY AUNT IS DEAD NOW AND SHE SOLD HER PROPERTY WHEN SHE AND HER HUSBAND MOVED INTO A REALLY SWANKY RETIREMENT COMMUNITY. 
So, I can't apply for anything that uses TransUnion because the are from XXXX. 
This is Insane!
Product: Debt collection

This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my   XXXX   credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$290.00} XXXX XXXX  XXXX Balance : {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX CreditPlus. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Due to your company 's neglect in verifying someone's identity, it is hurting my ability to obtain credit. TRANSWORLD SYSTEM INC failed to investigate this XXXX XXXX account properly after I repeatedly asked/disputed information to have the account updated. Your neglect has once again violated my consumer rights. I am demanding a deletion of the account if you can not provide the agreement with my WET signature and DEFINITIVE proof that I am responsible for this account. A bill stating it has a balance does NOT qualify as an AGREEMENT with a SIGNATURE that is REQUIRED for opening an account. I have already provided all documentation requested.
Product: Student loan

My private student loan is currently being serviced by XXXX XXXX XXXX. I called to defer my payments for the amount of time that I expect to be on maternity leave but I was denied because I do n't meet Chase 's requirements for deferment. And that my reason for applying ( XXXX ) was not a temporary situation. When I asked what the requirement guidelines are, I was told that Chase was under no obligation to provide that information to me. I tried to work with them but now I am afraid that I will have no option but to default on my loans while I am on unpaid maternity leave. I do n't want to receive collection calls while caring for a newborn, that will only add to my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Receivable Performance re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.