23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When the pandemic started last year (XX/XX/2020) I contacted Capital One to request the deferment of my payments- due to COVID-19 and job-loss. Capital One was very nice and agreed to defer all my payments for 6-months, they also told me that I would not need to make any payments and that they would not report any late payments on my credit reports. Fast forward to today, and Capital One is reporting several late payments on my credit reports. They said that they would not report late payments but, they did, this is not right! I am trying to buy a house and their late payments are stopping me from being able to get a mortgage. Please help me get these late payments removed, per our original agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown inquiry from ALLY FINANCIAL
Product: Mortgage

Received a mailer with bogus information and quite illegal according to required state guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out student loans from Navient and they have ruined my credit score. The school involved, XXXX XXXX XXXX XXXX Colorado, was a predatory lender and encouraged me to take out more loans than necessary and did not inform me that what I could earn for this degree was not enough for payment of the loans. Upon graduation I had to defer the loans for several years until I could afford to pay minimum amounts. During this time they reported me as being delinquent which was not a truth .When I was able to start making payments I had to get a job in my first degree as this one from the XXXX XXXX could not support even the minimum payments. Their reporting me as delinquent, when I was not, has ruined my credit rating. The School, XXXX XXXX XXXX XXXX Colorado has subsequently gone out of business from their unethical practices.
Product: Credit reporting or other personal consumer reports

I spoke with XXXX XXXX XXXX regarding my loan status on my credit report. Aid advantage is still reporting on my credit as open loans. The account was transfer in XXXX  to XXXX.
Product: Credit reporting or other personal consumer reports

I received a letter about a data breach of my info being shared without my consent. While checking my credit report I noticed several hard inquires that I do not recognize on my account. Please remove the hard inquires below from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove items immediately
Product: Checking or savings account

I was robbed by a nurse aid by the name of XXXX XXXX police report filed with XXXX XXXX sc sheriff who copied my banking information without my knowledge later charging to my savings account, she also took the card from where I had it hidden in my room without my knowledge used it and retired it at a later date. The company wells Fargo is trying to say between XX/XX/XXXX and XX/XX/XXXX of this year I gave my consent for use when I did not
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX, XXXX, and XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXXXXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. Is states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have addresses on my credit report that are not mines and information that is not accurate. My name is XXXX XXXX XXXX, My current and only address should be XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
please remove and delete any other address they are not mine. 
Address Date Reported are incorrect please delete XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : DISCOVER PL XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, 2017 and XXXX XXXX, 2017, LVNV FUNDING LLC added derogatory marks on my credit reports. Upon further research, those accounts were transferred /sold and I am no longer responsible for them. Debtors creditors did not verify those collections. Also there was no written form of communication, contract or signature for those account debts at all. 
Please provide me with the following : Signature for those account debts at all. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on those accounts.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.
Product: Credit card

On XXXX/XXXX/2016 at Sam 's Club in XXXX, DE, Sam 's Club Master Card issued by Synchrony Bank declined credit on my intended purchase although for years I and my husband paid our bills on full and in time.
Product: Credit card or prepaid card

I have used a Sears charge card for many years. I have always received a paper statement and always paid my bill on time. In XXXX 2016 i used my Sears card for a purchase that I did not receive a paper statement for. After tracking this down, I found out that Sears was now sending my bills through email. I had never authorized this. In fact I would never authorize this! Not only do email accounts " go down '' or get hacked but sometimes computer viruses themselves will kill email accounts. As result, I rely on paper statements for all my charge cards. After phone calls to Sears and on line chats with Sears representatives, I am now once again receiving paper  statements. However, after paying for the purchased item, i continue getting bills for the accrued late fees and interest charges. I have made a concerted effort to resolve this but to no avail. My most recent " new balance '' due XX/XX/XXXX is for {$270.00}, ALL interest fees and late fees! This was Sears at fault. They should never have changed my account information without my consent.
Product: Credit reporting

I have spoken with both Equifax and XXXX credit bureaus and both have stated that the information XXXX XXXX is listing as my reason for being declined is not correct. 
I have seen a copy of both reports and also do not see the reasons listed from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any ITEMS that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4400.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XX/XX/.
Product: Credit reporting or other personal consumer reports

Hi there, this is XXXX, and I am contacting you about the compromising of my social security number. I am a victim of a Data Breach/ Identity Theft. I contacted the Federal Trade Commission and filed an FTC Report Number : XXXX which is attached. Please block and remove all information from my credit report and send me an updated copy of the credit report. 
Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily will result in a small claims action against your Agency. I will be seeking damages but not limited to and each violation is a statutory cost of {$1000.00} each Per 15 U.S.C 1692k : 1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from Sun Trust Bank that I had four bank accounts that were overdrawn and subject to closure. I wrote to Sun Trust Bank on XX/XX/2021 and informed them that I had not opened any accounts at their bank. To aid the authorities in investigating the fraud perpetrated against the firm using my name, I requested the following information : 1 ) The amount and source of money used to open each account. 
2 ) The due diligence performed by your firm to identify the account holder to be the named individual.

3 ) All transactions and account statements for each of the accounts.

4 ) All communication sent to the account holder exclusive of the address above, this must include any digital or telephonic addresses.

Sun Trust has failed to date to respond. 
An identity theft report has been submitted to the Federal Trade Commission, report number available upon request. 
An identity theft report has been submitted to the XXXX, NC police department, report number available upon request. 
A report from the credit reporting company, XXXX XXXX, has been obtained and corrections to the fraudulently reported data has been requested.
Product: Debt collection

I was told of debt not owed that I do not owe Midland Credit Management has bee using illegal tactics to file lawsuits against identity theft consumers there was no affiliation with these people what so ever past or present they have lied about debts not owed to them there are several lawsuits against Midland Credit Management for their illegal tactics.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Chase Bank XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Deletion of Hard Inquiry Due to Identity Verification Failure Dear Sir/Madam, I am writing to formally request the deletion of a hard inquiry made by Chase Bank XXXX XXXX credit report. This inquiry, dated XX/XX/year>, was conducted without proper verification of my identity and is therefore unauthorized. 

During the application process, there were significant issues with verifying my identity, resulting in the rejection of my application. Despite this, a hard inquiry was still recorded on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without proper authorization or verification of identity is considered invalid. This unauthorized inquiry is adversely affecting my credit score and overall creditworthiness. 

The details of the inquiry are as follows : 1. Inquiry Date : XX/XX/year> XXXX. Inquiry Reference Number : XXXX Enclosed with this letter, you will find the following documents to support my claim : 1. A copy of my identity verification rejection notice.

2. Proof of my identity ( copy of my driver 's license ).

3. Any additional relevant documentation.

I called chase support and asked that my inquiry be deleted since there isn't a way they can verify my identity after providing proof and documentation 3 times while also included my physical presence at a chase branch. They said i can call XXXX  and XXXX will call chase to verify this deletion. I stated i did not want to do that because I heard before that chase bank will blacklist anyone for removing an inquiry which will result in the denial in any future requests for credit. Keep in mind all call are monitored and recorded. Representative name is XXXX at XXXX location. 
I request that Chase Bank immediately investigate this matter and remove the unauthorized inquiry from my credit report. Yes it was authorized but failure to confirm any persons identity in the request for credit must be deleted. 
Please provide written confirmation once the inquiry has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have been enrolled in the Public Service Loan Forgiveness ( PSLF ) program since I started working for the federal government in XX/XX/XXXX. I continue to work full-time for the federal government but enrolled in an XXXX XXXX XXXX XXXX  in XX/XX/XXXX. My enrollment automatically caused all of my student loans to be placed in " in-school deferment ''. I spoke with a Mohela representative on XX/XX/XXXX requesting to have my loans taken out of deferment so I could make the payments starting in XX/XX/XXXX. This was not done. I called again on XX/XX/XXXX and spoke with another representative who e-mailed me a " in-school deferment waiver '' form to be signed and uploaded. I completed and uploaded the form on XX/XX/XXXX. Again, nothing happened. I spoke with another representative on XX/XX/XXXX who told me the form was there but could take 45 days to process. It has been 45 days and still nothing. I called Mohela again today, XX/XX/XXXX, and was told that it could take another 90 business days! 

I simply want to make my payments so they will qualify for XXXX. I only have XXXX payments left to make to qualify for forgiveness and this delay is unnecessary.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and to my surprise I found a fraudulent account. This account is hurting my ability to obtain credit.
Product: Checking or savings account

My account was hit with fraud. A check which was sent to my landlord for rent was stolen, altered and cashed. The fake check should have never been paid through my bank since there was not enough funds to cover, not consistent with my routine transactions, the signature on the check was not mine and even spelled my name wrong. US Bank is refusing to give me a time frame as to when this will be completed. Its been a month already.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$23000.00} XXXX  {$11000.00} OVERLAND WAS PLACE ON MY CREDIT FOR A CAR I FINANCED IN HOUSE.. 
After My bankruptcy Things got overwhelming. 
I could not afford this car.. I volunteered to return the car.. The original loan date was XX/XX/XXXX.. 
The company keeps update the date so it do more damage to My Credit.. 
This should have been removed from my credit its been 7 years. 
According to the Fair Credit Reporting Act ( FCRA ), negative items can appear on your credit report for up to 7 years. These include items such as debt collections and late payments. The time frame begins from the original date of the delinquency ( the date of the missed payment ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$450000.00}, XXXX  balance {$250.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX XXXX {$3100.00}, XXXX XXXX balance {$18000.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$540.00}.
Product: Checking or savings account

On XX/XX/year>, I looked at my account online and seen a large fraudulent transaction, from XXXX. I called the bank and told them immediately, they said I had to come in. I went into the bank within XXXX. They gave me another debit card and said this is a huge thing right now with allot of commercial accounts. My account was positive but with the amount of the transaction it put my account in the negative. They informed me there was nothing they could do until it posted to my account because at that moment it was in the pending stage. Once it post they took the money out of a large deposit i had come in from a credit card sales from a customer. They did put the money back 2 days later but still left the nsf charges from the fraudulent transaction. I went back into the bank branch and the XXXX told me there was nothing they could do. I informed her the nsf charges where not from any transaction thar I made it was from the fraudulent charges. She informed me they filed a ticket complaint but there was nothing they could do sorry. I don't understand how you can keep my money from a fraudulent charge but give me the money back from the same charge you knew eas fraudulent and refunded me from.
Product: Debt collection

I contacted the company, Healthcare collections regarding an old medical bill. I didn't dispute the debt but asked for a payment plan to clear out the debt. I requested this writing and was willing to set up a payment plan to cure my debt. I am willing to pay the amount owed but I am not getting any assistance from the company. Can you please assist me in getting a resolution in writing for a payment plan? Again I am willing to pay this amount owed I just need a payment plan in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Equifax credit report on line. There was U. S. Bankruptcy Court item listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. <P/>I requested that this be removed since the Kansas Bankruptcy court does not validate this information, and my XXXX account has been frozen ...