23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

account name : XXXX XXXX XXXXXXXX # XXXX as closed account 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 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 crime 's 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

There is wrong information from XXXX XXXX. I talked to that company, they fixed it, and sent me a letter and a draft ( that 's the clear for the bureau of credits ) and I explained that to Transunion and sent them copies of all of this on XXXX XXXX, XXXX, by certified mail, and 3 years later they have done nothing, negatively affecting my credit report. I resent it on XXXX XXXX, XXXX by certified and signature required mail SIGNED by XXXX XXXX in Transunion Pennsylvania. 
This is adversely affecting my credit report costing me MONEY and TIME and there is no way to make them understand that because when I call them I have someone answer overseas and they always transfer me to somebody else or give me a different number to call but my time does not have any value for them. Thanks guys for helping me with this situation and thank XXXX that we have somebody who can make these companies STOP THE ABUSE.
Product: Student loan

I have concerns regarding the authenticity and amount owed on my student loans. I would like the amount to be verified because I am concerned that regarding the recent alligations against Navient. There have been several lenders " servicing, buying and selling of my loans so I would like my current servicer, Navient to verify the balances. I would like these loans removed if they can not be accurately verified. These loans originated at XXXX XXXX University, and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were not authorized by me and all are duplicates : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.
Product: Credit card

It is a Best Buy credit card they call me everyday sometimes two and three times a day including Saturdays and Sunday and has been going on for the last 2 or 3 months I let them know that I am involved with a debt relief program for them to stop calling me and they have not stopped they call me Sunday mornings Sunday evenings everyday. It 's non stop 7 days a week.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$1100.00} 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

N accordance with the Fair Credit Reporting act XXXX XXXX Co # XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

in accoordance with the fair credit reporting act XXXX  account Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX, SC XXXX Phone number ( XXXX ) XXXX Balance {$440.00} Balance updated XXXX XXXX XXXX  Original balance {$440.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$440.00} past due as of XXXX XXXX 
Status updated XXXX XXXX Account info Account name XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX 
Status updated XXXX XXXX  Balance {$1000.00} Balance updated XXXX  Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$460.00} Terms - On record until XXXX XXXX  Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$160.00} written off. {$160.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$160.00} Balance updated XXXX  Recent payment - Monthly payment - Credit limit {$300.00} Highest balance {$460.00} Terms - On record until XXXX XXXX Account info Account name XXXXXXXX XXXX  Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$440.00} past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$440.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$440.00} Highest balance - Terms 1 Months On record until XXXX XXXX 15 u.s.c 1681 section 602 a states i have the rights to privacy.

15 u.s.c 1681 section 604 a section 2 ; it also states a consumer reporting angency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is not on my report. As of XX/XX/22. This rep lied.
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT PURSUANT TO FEDERAL LAW 605B ALL FRAUDULENT ITEMS MUST BE REMOVED AND BLOCKED. I HAVE ATTACHED FTC REPORT ********PLEASE READ THE FTC REPORT IN DETAIL ***********ALL FRAUD IS REPORTED ON THE FTC REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Company XXXX XXXX XXXX keeps 'war dialing ' me from XXXX. I have submitted dozens of violation reports to the FTC 's 'Do Not Call ' list but still this company keeps calling me. I have never done business with them. I do not want to do business with them. I have no outstanding debt. They call multiple times a day at all hours of the day and night. Please help!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX please remove this XXXX inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report they are hurting my ability to obtain credit.
Product: Debt collection

I was notified in the mail and by my employer that a garnishment was being started on my wages from Portfolio Recovery for a credit card debt. I called the company and explained to them that this account was not mine and asked them to suspend the garnishment while I sent them paperwork and filled out fraud paperwork. They would not do this but did send me the paperwork to fill out. I sent the paperwork back along with copies of payments made on this account years ago and all contact information belonged to my father. I sent them a copy of his death certificate and told them if they checked the payments on the account would have ended near his death. I sent them the information about my father 's bank account and told them if they checked all payments made on the account would have been from his bank. I sent them paperwork showing my father had previously been charged and found guilty of credit card fraud on another family member years ago. I told them that when my father passed away and a statement from XXXX came in my name, I contacted the credit card company and explained the account was not mine. This was almost XXXX years ago. I filled out paperwork back then also for fraud. Many of the items I sent to Portfolio were discovered by my mother after my father had passed away. Portfolio told me they would look into the matter but would continue garnishing my wages. I told them this was fraud on their part, but they did not seem to care. After several weeks of continually trying to get in touch with someone at their company they told me since payments were made on the account years ago it was now my responsibility, and they would continue to garnish wages. I again explained that my father opened the account without my knowledge or permission and even told them if they checked some of the purchases it was for XXXX XXXX. I was not in college, but my father was, and I have proof of this. I further explained that I didnt even reside at the address they had on file for the statements during the time the account was open. I told them I could have people sent notarized letters about my father committing fraud but none of this mattered to them. I would like to have the money this company has taken from me in error and with knowledge that the account was identity theft returned to me. Thank you
Product: Student loan

Hi, my name is XXXX XXXX. I dont know who to reach out to for help. I am in Kentucky. 
I have school loans through MOHELA. My payment was XXXX a month in 2024 which was ok for me to pay. But in XXXX or XXXX they resent me a bill showing my payment would be almost XXXX a month. That I had 10 days to respond to ask for a lower payment. So I did. I tried contacting them starting in XXXX I redid the loan request to lower my payment. I never received another bill since. Then all of the sudden in XXXX I get a notification that I have a late payment that was due XX/XX/XXXX. In the amount of almost XXXX a month again, and now when I call their automated site says I owe XXXX XX/XX/XXXX. I called them again and I am told I will be on hold for 3 hr and something. So I selected to have them call me back. They called me back yesterday finally. And Ive been trying to reach them since XXXX. I talk to XXXX and after explaining to her what is going on she tells me she needs to transfer me to one of their advanced workers and then I am given the message it will be a hold of 5 hr and 25 minutes and the process stated all over again. 

Now my credit is going to be ruined for late school payments that I can not afford. Because the payment is higher than my mortgage payment. 

Please tell me who I can call if you are not able to help me. I have no where else to turn. This has been going on for over 3 months. Thank you in advance
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XXXX, XXXX I have been disputing information reported by Synchrony Bank/Brandsmart to XXXX, XXXX, and XXXX for which they claim My account was charged off {$970.00} on XXXX XXXX. Repeatedly, Synchrony Bank have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Synchrony Bank claims this account was sold to XXXX XXXX XXXX and refused to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX deleted this account associated with Synchrony Bank/Brandmart because I filed a small claims lawsuit against them for Defamation, Violations of the Fair Credit Reporting Act, and Violations of the Fair Debt Collection Practices Act. I am again formally requesting a copy of any documents, bearing my signature, showing that this account is being reported accurately. The listed item by Synchrony Bank/Brandsmart is inaccurate and incomplete, and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES RE : Trafficking Block Request Case # XXXX : Human Trafficking Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I, XXXX XXXX XXXX  ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of Trafficking ) Do hereby attest that I am a victim of trafficking for purposes of section 605C of the Fair Credit Reporting Act This statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX XXXX credit scores are faulty. 
For one, If I am in good standing, they may raise my score like XXXX points, but for one minor oversight that I am able to rectify they drop my score more than XXXX points!! 

XXXX website is keeps giving me error when I request my free credit info and gets tricky to navigate certain areas. 
I have disputed a few questionable credits that are past its legal period All XXXX credit reporting sites only provide a limited content message about the debts in question. No actual document of validity, accounts associated with it, itemized interest, fees, payments, etc. 
When Ive disputed charges and debts, I get a short summary that the dispute in question is legit and follows the guidelines to collection practice and so forth without Actually providing documentation.

This is just one of many other complaints I have with the entire credit reporting sites and their supposed fair practices.

They are in line with these crooked debt collection agencies and representative attorneys that give you the run around and use statements that tricks you into a binding agreement that should never have been either because no legitimate proof was given or past the statue of limitations. 
All XXXX need to be thoroughly investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. And these accounts are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017 This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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
Product: Payday loan, title loan, or personal loan

Paid my car of back in XXXX and still did not receive the Title. This is a car purchased from Hyundai ( hyundai motor finance ) I have called over 20 times and always told that we are dealing with the issue at this point i dont know what to do anylonger as the registration has expired and the car is seating at the garage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX Bank Self Lender Date : XX/XX/2022 Amount - {$25.00} Payment : Loan Agreement- {$520.00} Actions Taken : Dispute filed with the CRA - Experian requesting that this CRA please provide statements and records of all payments made and missed since I opened/closed this account. Please reinvestigate this matter and if no such records are found and delivered to the consumer please delete or correct the disputed information as soon as possible. Thank you for your assistance. 

In accordance with the fair credit reporting act XXXX Bank XXXX XXXX - Account # : XXXX Loan # : XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 604 a Section 2 : Also, states a consumer reporting agency may not furnish an account without my written instructions or consent.

15 USC 1666 b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

SOMEONE HAS OPENED AND USED A FRAUDULENT CREDIT CARD IN MY NAME. THE CREDIT BUREAUS EXPERIAN AND XXXX ARE GUILTY OF USING MY PERSONAL IDENTIFICATION INFORMATION TO PUBLISH INCORRECT INFORMATION ON MY CREDIT FILE. I URGE YOU TO HAVE THESE ITEMS REMOVED AS THEY ARE NOT INITIATED BY ME AND BY LAW MUST BE REMOVED WITHIN XXXX DAYS OF NOTIFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account does not belong to me. I have reached out to Transunion, XXXX, and XXXX  several time via mail in reference to this matter. 

XXXX XXXX XXXX acct # XXXX amount- {$420.00} XXXX  XXXX Acct # XXXX amount- {$770.00} XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX amount- {$250.00}
Product: Credit card or prepaid card

I'm XXXX and was a member of XXXX. I was advised to attend until fully vaccinated. I called, explained, and was disenrolled over the phone from an associate within XXXX in XX/XX/XXXX. I received vaccine XX/XX/XXXX and XX/XX/XXXX, and have not yet gotten a chance for the booster. On XX/XX/XXXX, XXXX began charging XXXX monthly fees to my credit card while sending advertising emails for me to sign backup for new/ reenroll membership. The credit card that PF fraudulent stole money from only had a credit limit of {$300.00}. I now owe {$600.00} due to fees and limit charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the bureaux and creditor about one month ago and there's no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 Days later but there's still no response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach.
Product: Debt collection

I am writing to request the removal of a collection account from my credit file. The account in question has been paid in full, and I would like to ensure that my credit report accurately reflects this. 

Details of the Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Enclosed with this letter are copies of the payment confirmation and any relevant documents that demonstrate the account has been paid in full.