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

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 disputes with TransUnion over the past 3 months. Each investigation led to TransUnion updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. TransUnion says the creditor confirms this is accurate but how can this be the case if XXXX has deleted the collection per my request?
Product: Debt collection

The company never provided full details for me to verify the debt. 

I called 3 months ago ( XXXX 2017 ) to ask for information about why was there a collection on my credit history on their behalf and they told me i just could n't do anything about it.
Product: Credit reporting or other personal consumer reports

I bought my first home in XX/XX/XXXX and 2 months later sold to VHDA. Less than a year later the whole country was hit with Covid, hard. I had to go into a forbearance status as my work closed temporarily and I eventually caught back up on my payments. All of this was allowed under the Covid Relief Act of 2021. However, during that year period of catching everything back up I got hit on my credit with every month 60 days past due or 30 days past due and it has completely wrecked my credit when I am a good borrower I just needed help like millions of Americans during that time period. I have been on time with my payments since XX/XX/XXXX. As a consumer, I really need help dealing with this situation as it effects me it a substantial way. Many thanks!
Product: Credit reporting or other personal consumer reports

This is my first 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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX & XXXX Original creditor XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX - XXXX XXXX  XXXX Balance : {$7300.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXXXXXX XXXX XXXX XXXX Original creditor  XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance XXXX {$5200.00XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$7300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance XXXX {$93.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00}
Product: Mortgage

They have my social security number wrong. They inputted wrong social security number and will not accept my e mails with documents to correct this.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, My name is XXXX XXXX XXXX, and I am writing to report ongoing issues of identity theft and financial fraud that have significantly impacted my personal and financial life. Despite my efforts to address this matter over the past XXXX years, I continue to experience fraudulent activity and systemic failures that have left me in a state of financial instability. 

This nightmare began in 2022, when I became aware of discrepancies on my credit reports and breaches of my personal data, including the Equifax breach. Over time, I discovered that accounts were being fraudulently opened in my name, and I suspect that unauthorized financial transactions were made without my knowledge. 

Some of the major issues include : XXXX. Student Loans Taken Out Fraudulently : I recently discovered that student loans were taken out in my name, but I am unsure of their origin or legitimacy. I did not authorize these loans and have no knowledge of the details. 
XXXX. Homeownership and Mortgage Issues : I am uncertain whether I truly own my home due to fraudulent activity. I have discovered that home loans may have been sold or transferred without my knowledge, and I have not received proper documentation or communication regarding these transactions. 
XXXX. Continuous Financial Fraud : Unauthorized accounts have been opened with financial institutions, including banks and credit card companies, and my personal information has been exploited repeatedly. This has affected my ability to secure employment, access financial services, and regain control over my financial records. 

In addition to these issues, I have reported the fraud to various entities, including credit bureaus, local law enforcement, the FBI, and other agencies. I have also placed credit freezes and monitored my accounts regularly, yet no meaningful resolution has been achieved. 

The emotional, financial, and psychological toll this situation has taken on my children and me is immeasurable. We have endured countless hardships due to the failure of institutions and systems to address and resolve these issues. 

I am requesting your offices assistance in : XXXX. Investigating the fraudulent student loans and rectifying my credit reports. 
XXXX. Determining the status of my homeownership and ensuring all mortgage transactions are legitimate. 
XXXX. Advocating for stronger protections and accountability from the institutions involved in mishandling my personal information. 

Please let me know if you require additional documentation or details to support my case. I am willing to cooperate fully to resolve these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Student loan

I was harassed into setting up a payment arrangement at the end of my statue of limitations.  Myself  as well as my co-signer s ( m y  XXXX   XXXX   XXXX  grandparents ) received multiple calls daily threatening to have us arrested and that their home was going to be taken away. The callers were verbally aggressive and very unprofessional. I received calls at my place of employment even after I asked them not to. My co-signers also asked to not receive calls but they were called anyway. I was also told that if I paid   XXXX   dollars and {$350.00} a month for a year that my cosigners would be released. I called after that year was up and was told that No one told me that and that it could not happen.I was forced into default because my payment was a day late. The next caller asked me why did n't I make a post dated payment, to which I responded that I asked but I was told that I could not.Not to mention the more I paid, the bigger my balance got.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a 609 letter with the 3 credit reporting bureaus regarding the validation of an account with Avant. Avant failed to validate an account that is negatively reporting on my credit report. Avant is inaccurately reporting late payments on my report. The company stopped reporting since XX/XX/XXXX, suddenly on XX/XX/XXXX they back dated account with late payments to XX/XX/XXXX, thus dropping my score 35 points ... Avant is in violation of the fair credit reporting act 15 U.S.C.ss1681 regarding ACCURATE credit reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that 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 Equifax  data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1. My credit report shows incorrect records on my credit account. My credit account is pulling in credit and account information from my brother 's account. He has a completely different name, birthday, and obviously SSN as me. This ranges from everything from a mortgage to open credit card accounts. This problem exists for XXXX  and Equifax. 

I have disputed these items with the company. Company has rerouted me to multiple channels but I am getting conflicting information, inconsistent next steps, and unknown timelines. I have been routed to multiple tiers of CSR agents, all with no control over the process - even though it is obvious that the records that are being pulled in are not mine. They are requesting the customer jump through multiple hoops in order to " prove '' that the information the companies have dictated incorrectly is incorrect.

2. My name is incorrectly shown in some cases. First name is being listed as middle name. This is further a problem because I am rejected from even basic items such as opening an account for the company, and I am locked in a loop.
Product: Credit reporting or other personal consumer reports

An ordinance with the fair credit reporting act XXXX  account XXXX  - XXXX, XXXX XXXX  - XXXX, XXXX XXXX XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC Code SS 1681a - Definitions ; rules of construction- Exclusions except as provided and paragraph the term " Consumer Report '' does not include - any report containing information solely as to transactions or experiences between the consumer and the person making a report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.
Product: Credit card

Synchrony Bank, during the month of XXXX 2015 closed my Phillips 66 Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Phillips 66 Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Product: Student loan

I just want information that can help me get my loan down. I'm currently attending school and I want to make sure I can be able to try and pay down my loan. I need to be able to afford to pay my loans down and be able to live. I just want some help trying to come up with a plan and options that can help.
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request to Remove Incorrect Names and Addresses from Consumer Report Dear Equifax XXXX I am writing to request the removal of the following incorrect names and addresses from my consumer report. These entries are inaccurate and do not belong to me : Incorrect Names : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Correct Name and Address : XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX I request that you investigate these inaccuracies and promptly remove the incorrect names and addresses from my consumer report. Please ensure that my correct name and address are accurately reflected in your records. 

Thank you for your attention to this matter. If you require any further information or documentation to facilitate this request, please do not hesitate to contact me at the provided contact information
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX XXXX XXXX
Product: Student loan

1. Company has over 24 hr hold times to speak with agent 2. Their chat functionality does not work 3. They respond to emails in 4 or more business weeks What happened 1. Called EdFinancial, spoke to agent about different payment plan in XXXX. They approved and my monthly payment would be ~ {$240.00}. They said 3-4 business weeks to process so I asked about my XXXX payment since the new plan would not be processed by then. They confirmed both my XXXX and XXXX payments would be waived and I would begin paying in XXXX. 
2. I logged onto their portal and saw a balance past due in XXXX. Again, called and emailed company. Spent four hours on hold in XXXX and they confirmed same thing said they just had not updated system. 
3. When it came time to make my payment in XXXX, it was not the amount of my new payment plan and XXXX and XXXX were still marked as past due. 
XXXX. XXXX XXXX called again and they said that I was showing late for my XXXX payment because it had not processed. I paid five days prior to due date through online banking, with an account with plenty of money. Confirmed that it just had not processed and it should clear soon. Confirmed my monthly payment again would be {$240.00} per month 5. Week later receive email from EdFinancial stating my loan is in delinquency and I owe the XXXX, XXXX and XXXX amounts. Stated back to them I had spoke with three customer service reps and they waived XXXX and XXXX and XXXX was {$240.00} - which had been paid. 
6. Went into my account today on XX/XX/30 to pay XXXX and STILL see my payment plan has not been adjusted. Agent who emailed me has still not responded back and it has been several weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I has an inquiry passed on that should be taken out or blocked. Per FCRA segment 605, Equifax and XXXX Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Equifax and XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/2022 XXXX.
Product: Credit card or prepaid card

My EDD card was stolen in XX/XX/2020 and they were using it while I was waiting to receive it and were able to withdraw {$6100.00}. I called to receive a new card and file a fraud claim ( I also filed a police report on the stolen money ) and they sent me a new card so I started withdrawing the rest of the money on the card but on XX/XX/2020 my card was put on hold when I tried to withdraw more money. I called Bank of America the next day and they said because I filed a fraud claim my account was frozen and they would put in a form for my account to be reviewed and unfrozen. I then proceeded to call twice a week and they just kept telling me to keep checking to see if my account reopens. I also reached out to EDD and they said everything on their end was fine so they didnt know why Bank of America still has my account frozen. My account has been closed for three months and they keep telling me they will file a new form and to keep checking if my account reopens. Since my account being frozen in XXXX I have only received one notice in XXXX telling me my account was frozen. I also was told I cant reopen or check on the status of the claim that I filed in XXXX when the money was stolen because my account is on hold right now, they said I would receive a letter in the mail and I didnt receive anything. I still have money left in the account that Im not able to withdraw.
Product: Credit reporting or other personal consumer reports

I sent an identity theft report to Transunion on XX/XX/23 which they received on XX/XX/23 ( certified mail receipt ). The reported items include three credit cards and three hard inquiries which were fraudulently opened and are reporting on my account. I called on XX/XX/23 to follow up as the reported items had not been removed. My understanding is that per 15 USC 1681c-2 fraudulent items due to identity theft are to be removed from my report within 4 business days. These items are causing me to be unable to obtain credit and causing me personal harm and discrimination. I am attaching the letter as well as the IDTR that was sent to Transunion along with copy of items on report, drivers license, social security card and cover letter. 

I was told by the customer service person I spoke with that I had to have the credit card companies remove these items and that their investigation would take 30 days. When I questioned the code and why the other credit reporting agencies abide by the code and removed the items, he stated that transunion does things differently. Was told a supervisor would reach out to me within 3 business days.