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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In 2017 Zelle did not ask me if it's the correct person I'm sending money to. They never gave me a choice the money was juat gone and couldn't get it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership and i was told they were only going to pull from their in house which was XXXX dealership. But they did not. These listed below were unauthorized. 
XXXX 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

This person Is reporting late payments to XXXX, Equifax, and XXXX without the consumer consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive formsPlease remove all late payments account - XXXX XXXX account number - XXXX
Product: Credit reporting

I bought a computer from XXXX XXXX but started having problems with them around XX/XX/2015 when XXXX contacted me. I did not know who XXXX was so I called XXXX instead. they stated that they were unable to process my XXXX card. After calling XXXX and XXXX back I was told to now give XXXX the number on the front of the card and NOT the banking and routing number as they previously asked. then everything was fine and they gave me back all late charges they had charged me. They NEVER called me, emailed me or mailed me anything. when I asked them why, they responded that they do not do that?! then a few months later XXXX called me again to say that it was still an issue. I called XXXX, spoke with a supervisor and all was fixed. ALL LATE FEES were given back to me and they were very apologetic. then I found out that they reported these late fees to credit reports. when I called bestbuy again, they agreed they were at fault, apologized again and said that they would fix this with the credit reporting, which they never did. I filed a compliant with Experian but still nothing has happened, Experian says that according to bestbuy I had a late payment in XX/XX/2015. I have a statement from XXXX XXXX showing ( XX/XX/2015 ) that the late fee from XX/XX/2015 was returned to me. I also have a complete list of all charges, fees, etc and none are late fees. I never had a late payment with bestbuy and all of the late charged were returned to me. I have proof of this and will forward it to you as I did with Experian. After I paid XXXX off, they will not speak to me.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies.This account is hurting my ability to obtain credit. It is my understanding that Equifax will investigate my complaint and provide proof that what is being reported is accurate. Account : XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX {$71.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$630.00} XXXX/XXXX - XXXX - XX/XX/XXXX - {$890.00} INQUIRIES : ADVANTAGE ON XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have too many inquiries in my credit report and i never give permission to run my credit to those creditors
Product: Student loan

I applied for the new IDR plan called SAVE via StudentAid.gov on XXXX XXXX Their site says Aidvantage finished reviewing my application on XXXX XXXX 

I received a letter from Aidvantage saying I needed to call them to complete the process, however, I have tried to call several times and have spent many hours on hold waiting to speak to someone, to no avail. 

I am XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX which means that staying on hold for hours listening to their recording is extremely difficult. 

I also emailed them ( on XX/XX/XXXX ) and still haven't heard back ( as of XXXX XXXX  ). 

I've also tried their live chat function on their website many times, and it never works. When I start a chat, I immediately get a message " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. '' Part of the promise of the new SAVE plan was that this process would be much easier and less of a burden, however, Aidvantage is making it entirely impossible. 

I have done everything I can possibly do on my end, including submitting the full application via the StudentAid.gov website and self-certifying my income. 

I have seen many others in a student loan forum are having similar issues. It seems Aidvantage is intentionally holding off on processing our applications, probably so we will have to pay once the deadline passes. 

I contacted StudentAid.gov regarding this issue, and they said they could not help, only Aidvantage can help. I have hit a dead-end since I have no way to get in touch with anyone at Aidvantage. 

This means interest on my student loans is accruing when it shouldn't be, costing me hundreds or potentially thousands of dollars, depending on how long it takes to resolve this issue.
Product: Debt collection

I entered my bank account information at XXXX  and was approved for funds that were deposited into my Michigan lottery account to play with. 2 months later I am getting harassed by Global Payment Check Services for {$120.00} stating that it did not go through and I " was given the funds in advance and I still owe this ''. I told them they should not have approved this transaction if they didn't have the funds! I don't feel this is my fault and I was willing to work with them and pay half but they stated they could " do 70 % off but that's it '' ( making the total around {$85.00} ) I agreed to this and was transferred to a supervisor to complete the transaction. When I spoke with a supervisor he stated " no they will not do anything off or work with me and they do not want half they want {$120.00} or nothing ''. So instead of working with me and taking my money ( {$85.00} ), agreeing to take half and write the rest off due to their mistake, they refused my money and said all or nothing.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received numerous calls from different numbers stating that I owe {$500.00} credit card debt from XXXX XXXX received in 2010. I have never had a XXXX XXXX Card. That state there are several complaints issued against me through XXXX County. I called XXXX County and they state it is fraud.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX  when the federal forbearance was removed from student loans my loans were transferred to XXXX. During the process new loans with XXXX were opened while the old loans with the Department of Education were closed. Transunion didn't report the old XXXX XXXX XXXXXXXX loans as closed instead Transunion reported the loans as delinquent. My XXXX XXXX dropped XXXX points. My loans had & have never been delinquent. This has caused a number of issues with my credit. I recently purchased a car and it show serious delinquency therefore my interest was much higher. I will now need to refinance for a better rate after this is cleared up. I opened a claim with Transunion but they said it was reporting correctly even after giving them proof of what my credit was, what it is, and the error. I request the serious delinquency removed, the Dept. of Educ status changed to closed & paid on time, and my XXXX points added back to my XXXX XXXX by Transunion.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX, OH XXXX XXXX  XXXX Balance : {$19000.00} XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$5900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2023 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

XXXX XXXX is not in compliance. According to the FCRA XXXX XXXX XXXX is in violation of the FCRA. In XXXX of XXXX when I received my annual credit reports I noticed XXXX XXXX was not reporting accurate data to all major credit reports. I have attempted in XXXX of XXXX, XXXX of XXXX and XXXX XXXX XXXX after disputing and receiving an update credit report from TransUnion and XXXX the dispute was not corrected. What I did notice was that XXXX XXXX XXXX was not in compliance and violated my fair credit rights by not reporting accurate data. XXXX XXXX XXXX XXXXXXXX XXXX is not giving me any type of rating and are flagging my credit report with TransUnion as ( UNKNOWN ). This has been in existing since XXXX of XXXX. My current TransUnion Report XXXX XXXX is dated XXXX XXXX XXXX. Yes, I have utilized my credit card with XXXX XXXX in XXXX, in XXXX, in XXXX and have paid off the balance in full every month. For XXXX XXXX not to give me credit or rate my credit worthiness is absolutely a violation of the FCRA. When I received my XXXX credit Report Number Confirmation Number XXXX, I noticed XXXX XXXX has not reported correct data since XXXX XXXX XXXX. As of XXXX XXXX XXXX XXXX is reporting on my XXXX Credit File Number XXXX NO DATA AVAILABLE. This is definitely a VIOLATION of the FCRA, because I have used my credit card with XXXX XXXX Bank in XXXX, XXXX, and XXXX. More importantly I am not receiving any type of credit worthiness. This is absolutely a FCRA violation, by not allowing the consumer their fair rights. Furthermore, when I called XXXX XXXX XXXX to try to resolve this issue. XXXX XXXX, employee XXXX ID Number XXXX, stated to me she could not answer why XXXX XXXX  was not in compliance with the FCRA. Because I have went back and forth for over 90 days with XXXX XXXX XXXX and the problem is still a credit worthiness problems. I 'm not receiving any type of credit for using or paying my credit card. I felt it was best to file a compliant with the CFPB, so that this matter can be thoroughly investigated and all major credit bureaus will be updated and accurate data will be updated on all major credit reports regarding my XXXX XXXX/XXXX Revolving Credit Card Account. This has went on too long.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 i notified Comenity bank about me being placed on XXXX  XXXX  due to a high XXXX  XXXX. I made them aware that I would not be working and what type of assistance could I get as far as my monthly payments. At the time I was told due to Covid they were not charging accounts with late fees or reporting late payments as long as there was communication between the customer and comenity. I was grateful to hear that I let them know I would be back to work in XXXX. I later notice they still reported late payments On my credit report even though I was told they would not be reported. I spoke to a representative with comenity Who apologized for reporting the error and I was told to send a message to comenitys credit reporting department through my secure account and let them know and they would correct it. They never responded after 30 days so I've then disputed the late payments they responded with agreeing to delete the late payments that were disputed. They never deleted the late payments and now they will not delete them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my Equifax credit report and noticed fraudulent activity. I have also been a victim of the the Equifax data breach. Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Fraudulent Mobile Phone Account Company or Organization : XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$810.00} XXXX XXXX amount : XXXX XXXX amount : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX Page XXXX of XXXX Company or Organization : XXXX XXXX XXXXXXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$2300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX 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 or other personal consumer reports

I applied for a loan consolidation of my XXXX loans that was approved and consolidated in XX/XX/XXXX, during that process they were also transferred or sold to XXXX XXXX. I applied for the XXXX XXXX XXXX that was also approved in XXXX of XXXX. I reached out to XXXX and they stated it would take some time to update and be deleted from my report. I received an email from them in XXXX, I received a letter from them in the mail XXXX XXXX stating my loans were XXXX percent XXXX and would be removed from my credit report within XXXX days. I reached out to the company again and spoke with someone who stated her name is XXXX, I asked her why is my loans showing a balance XXXX from what I originally owed in XXXX loans which is XXXX now your records shows over XXXX. I noticed they were showing my XXXX loans before they were consolidated as well as the consolidated loans. She only kept stating it takes longer to discharge consolidated loans. I was put on hold XXXX  times just to keep getting told the same thing over and over it takes time. But according to the letter it stated XXXX days which is basically false information. Now my credit report is showing as if I owe on XXXX  loans that should be removed by now. Ive attached a document showing when my loan was with the XXXX  servicer as XXXX it was transferred to XXXX in the amount of XXXX but they are telling me I have a balance of XXXX and they XXXX some other loans and removed them from my credit report.
Product: Mortgage

I applied for a loan modification after my forbearance plan was over. I lost my job in XXXX of XXXX due to Covid. I didn't make payments for 18 months. Now I can make the regular monthly payments as I fortunately found a job in XXXX of XXXX. However, I can't pay the entire amount I owe. I would like the missed payments to be deferred to the end of my loan, loan deferral. My lender has just told me over the phone, today, that I don't qualify for a modification or as a matter of fact other options. My only option would be either to increase my salary, reduce my spending, or sell the house or I will take risk of it being foreclosed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$750.00} from XXXX XXXX original creditor XXXX  XXXX XXXX. ( Please see pages attached from XXXX XXXX. ) This account does NOT belong to me. I do not now, nor have I in the past, had an account with XXXX. I have attached numerous documents as follows : 1040 form ; XXXX tax return ; XXXX tax return ; Letter of Employment ; XXXX W2 and XXXX W2. Every document attached is verifying that I reside in the State of Colorado and I have never lived in any other State other than Colorado. This collection is being reported from another State. This false reporting of a collection, on an account that isnt mine, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.