23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

They off set my income tax on a loan I never recieved for {$5000.00} on a {$6000.00} loan. They sent the money back to the school and sent the loan money back to the school 3 months later. They never informed me they were charging me for that loan and I ended up owing {$2000.00} to them for that loan but have no record of who the loan was transferred to in XXXX and why there is a balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, since I have an old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that someone has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. USDEPED XXXXXXXX {$18000.00} USDOXXXX XXXXXXXX {$46000.00} XXXX XXXXXXXX {$8500.00} XXXX XXXX {$1300.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$26000.00} XXXX XXXX XXXXXXXX {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A. I went to the annual credit report and received either in the format thru mail or online to receive my annual credit report except Trans union. 
B. Transunion then proceeded to send me an application to pay and fill out the form. The free annual report thus was not recognized. 
C. Next I filled out their form an provided my driver 's license, social security form, and a utility page, but was denied a credit report. 
D. Next I put a security freeze on the account and was not provided a code which all the two other major companies had provided but not Transunion. 

What should I do now. I have no code to unlock my credit report nor do I have their free credit report. 
Why hasn't this company been tagged as non-professional and possibly illegal? 
Tank you.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 

The disputed items as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Explained the amount is not the Companies debt. Also advised to contact XXXX XXXX Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless 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. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX Date Opened : XX/XX/2021 Balance : {$54.00}
Product: Debt collection

there is a person using my identity and this account and tried to fix it and it won't delete it I didn't take that money that's identity theft.
Product: Credit reporting or other personal consumer reports

I appreciate Transunion 's efforts in addressing some fraudulent items in my file resulting from alleged identity theft. However, there are remaining items that require removal. It has come to my attention that XXXX and XXXX are not removing items despite being provided with an FTC fraud report # XXXX. According to Section 605b of the FCRA, you are legally obligated to remove items identified as opened due to identity theft. The disputed items do not belong to me. I have attached the new FTC Report XXXX and identity verification documents. The following items still need removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX Balance : {$0.00} -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several years my addresses on my report have been inaccurate, my DOB has been inaccurate, and credit inquiries that are not mine have shown on my report. 

Ive been unable to access my report ( only through XXXX XXXX. ) the other 3 require identity verification that doesnt apply to me. I contacted an attorney to help, who was actually able to pull a good portion of my report and 90 % of it is inaccurate which leads to the denial of any attempt to receive a loan or credit. I am unable to dispute said inaccurate information due to the fact that every single component of my report is wrong. 
I can not log in to any of the 3 bureaus, and those bureaus, no matter how many times Ive called or sent in my personal info, changes nothing. My disputes have not been investigated or applied. 

I have been denied for every loan, credit card Ive tried to get. even the ability to verify my identity to get a loan is hard due to inaccurate information that I am unable to fix alone. 
There are medical debts, credit cards on my report that are not mine. And during the attempts to get a loan, Ive been asked about my mortgages, student loans, addresses, phone numbers, pet insurance that arent mine in the attempt to receive a loan. Instant denial for loan because they think its not me. 

Ive exhausted all options, and its became extremely detrimental to my financial, and emotional well-being. I feel absolutely stuck with no way out of the situation. 
I am aware that I am entitled to an accurate report with the FCRA and I will go to any length I can to resolve it. 
I can not get approved for student loan, buy a home, approval for credit card, day care, lending companies, leasing companies, or an auto loan because nobody can verify my identity due to the extensive inaccuracies in my report. 

Theres a woman in my town with the same name, DOB 10 days after mine with a nearly IDENTICAL social security number. ( Her last two digits is XXXX and mine is XXXX ) this is the only difference between the two. She reached out to me in hopes of solving the issue. 
Weve both been unable to solve the situation on our own. And need help. Our attempts to reach out to each bureau has left us going in circles with no success. 

Ive reached out to attorneys who do not know how to help me. 

( In documents attached, the highlighted yellow ones are inaccurate )
Product: Money transfer, virtual currency, or money service

XX/XX/year> I was contacted by text regarding two purchases. About XXXX minutes later, I was contacted by phone from an individual stating that he was a bank representative and there were some authorized purchases made and he need to return the amount by XXXX. During this transaction, he asked for my information. There had been not statement of fraud warning from the bank stating no calls or fraud alerts and to check the person you are to XXXX information or monies can not be returned. I did contact the bank and the same night a portion was returned to me but XXXX. This was devastating to my business because it occurred from my business account. I filed a police report and a complaint at the bank. The bank representative was not helpful and stated that because I authorized the XXXX that it was my daughter but it was fraud due to the misrepresentation and possible data breachs. How could that individual have my phone number and also have a XXXX account. 

I submitted a claim with my business insurance and was denied as well! Please see attached!
Product: Credit reporting or other personal consumer reports

These accounts are obviously in violation of the law. They are reporting inaccurate information 's on it and is missing on the other bureau. This is a clear violation of : 15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than XXXX years, except for criminal convictions. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

The account XXXX XXXX XXXX XXXX XXXXXXXX is missing on XXXX and the dates reported are all inaccurate across the XXXX reporting bureaus. While XXXX XXXX : XXXX is not reporting on XXXX and the Balance, No. of Months ( terms ), Last Reported, Comments, Date Last Active, Date of Last Payment are all inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have spoken to Governor XXXX XXXX XXXX office which confirmed that per the XXXX website, all Californian 's are under the protection against negative credit reporting and lists my bank, CitiGroup ( Citibank ) as an institution that acknowledges this ordinance. However, Citibank has reported 5 of my accounts negatively throughout XXXX. 
1 ) I have 2 citi credit cards reported as 30 days late in XXXX, XXXX XXXX of XXXX. Citi is aware that I had called 3 times in XXXX to request a covid deferment and they replied that no such program was available. My 3rd call is logged as XX/XX/XXXX wnere no program was avaialble. They launched a program on XX/XX/XXXX after my account was posted late and even after being enrolled in a covid deferment, my 2 cards were reported as late. 

2 ) My 3rd Citi card is reported as late XXXX XXXX and then reported charged off. They would not enroll this card without first requiring it be current after I explained that I was impacted by covid as early as XX/XX/XXXX. 

3 ) My 4th card, Best Buy, backed by CitiGroup, was reported as " Closed by issuer, Never late '' which has a substantial negative impact to credit. There was no reason for this card to have otherwise closed. 

I have made several calls into Citibank. I have reached out to the Executive Response Team and I have not received a resolution. The Governor 's office has requested that I followup with the outcome of this as we believe this to be a wide spread concern against the credit protection ordinance. 

I appreciate your help. 
XXXX XXXX XXXX XXXX cc. attachments and screen prints available.
Product: Debt collection

I receive multiple calls a day for them, followed by multiple text messages. I have also been receiving calls at work which I have asked them not to contact me there. I have asked for the frequency to stop and now I've received a letter threatening to report to the credit bureaus to hurt my credit. 
I have tried to work with them and make payments that work with what I can afford, but the repeated calls 3-4 times a day is excessive and not needed. It's harassing and not needed.
Product: Credit reporting

Account that should be closed, but is reported as open in my XXXX report, in error : XXXX XXXX. 
StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXAccounts that are current, but are reported as missing payments in my Equifax report XXXX although they are current and receiving {$330.00} dollars a month : XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXX XXXX - STUD StudentXX/XX/XXXXOpen - Collection/Charge-OffXXXX Missed Payments $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXDP of Educatoin XXXX Due $ XXXXDP of Education Past Due $ XXXXDP of Education Past Due $ XXXXAll these loans above are part of the DEPT OF ED/XXXX loan and need to be closed, as they are now part of the XXXX total sum, which is {$45000.00} dollars. These loans have all been consolidated into XXXX loan serviced by XXXX shown below : DEPT OF ED/XXXX StudentXX/XX/XXXXOpen - CurrentNo Missed Payments {$45000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : The Consumer Financial Protection Bureau, I would like to submit this complaint regarding a charge off for an equity line of formerly held by City Mortgage. This loan was valued at approximately {$49000.00} when I was affected by the natural or declared disaster known as hurricane Irma. I then contacted Citi Mortgage for advice and was informed that I was eligible for a mortgage assistance program due to the affects of hurricane Irma. Citi Mortgage mailed me the application for mortgage assistance, and I completed the application and faxed it back to them. I received a letter from Citi Mortgage stating that my application for mortgage assistance was complete and they received it on XX/XX/XXXX. This letter stated that because Citi Mortgage received my completed application, certain foreclosure protections would apply. The letter also stated that Foreclosure activity will cease and that they would not make the first notice or filing, whichever is applicable, while my complete application is being evaluated. 
On XX/XX/XXXX, I received a letter stating that due to a recent internal business change I was reassigned to The Homeowner Support Team to assist as my Homeowner Support Specialist. I was not aware that at this time they were already reporting to the credit bureaus that my loan was charged off as of XX/XX/XXXX. Citi Mortgage was also reporting to the credit bureaus that my account was late as of XX/XX/XXXX in the amount of 120 days past due up to XX/XX/XXXX when they reported that I was 180 days past due. I faxed Citi Mortgage a letter stating that an error had been made regarding my loan and that it was being reported as a charge off to all three major credit agencies XXXX, XXXX, and XXXX. I have uploaded proof of correspondence with Citi Mortgage relating to the Mortgage assistance program as well as receipts from XXXX XXXX proving that I have been paying {$500.00} per month since XX/XX/XXXX. I would like for this Charge Off from Citi Mortgage to be removed from my credit report with all three agencies XXXX, XXXX, and XXXX. 

Thank you XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information found on my consumer report that is a result of identity theft. I did not provide my written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as a consumer : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). In the event the transactions are not blocked and deleted within 15 days of receiving this notice, I will seek litigation on the 3 credit reporting agencies listed in this report per the fine of {$20000.00} per day detailed in my XXXX Lien Notice regarding damages if the violation of my consumer rights continues. Affidavits have been sent via certified mail to all 3 credit reporting agencies listed in this complaint, and a FTC identity theft report has been filed as well ( Ref. # XXXX ). You are required to do what I am asking and block these transactions from being reported to my consumer report within 15 days from the date of the receipt of this notice. I look forward to your response. Thank you
Product: Debt collection

I, ve contacted Lobel Financial about this debt to remove from my Credit report. Car was repoed, and later found out that the company that i received the car from license was suspended from the XXXX, therefore they should not have been able to sell the car to me in the first place. Company is in current Lawsuits to recover the deposits paid on the cars they sold. Lobel approved a loan of a car whose license was suspended by the XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On numerous occasions, I have expressed to Equifax of their violations of 1681b. Their unsound practices have placed my family and I at risk of unsafe transactions. Equifax does not accurately represent the people if they are constantly furnishing inaccurate information without proof. Furthermore, I NEVER gave Equifax my wet ink, written instructions to furnish any information to my credit file which is a MAJOR violation of my federally protected rights. I plan to take the necessary action for each violation at {$1000.00} each. If this is not fixed in the next XXXX XXXX, I will file a suit and will follow up with an Invoice for Each Violation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Dear Discover Bank, I am writing to request that you remove the paid charged-off account associated with my name, XXXX XXXX XXXX and social security number XXXX from all three major credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX Since the account number is unknown/unavailable, I request that you use my social security number and name to identify the account. 


As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete information on consumers ' credit reports ( 15 U.S.C. 1681e ). Furthermore, the FCRA states that credit reporting agencies must remove information that is no longer accurate or complete ( 15 U.S.C. 1681i ). Additionally, the Consumer Financial Protection Bureau ( CFPB ) has issued guidance stating that credit reporting agencies should remove paid charged-off accounts from consumers ' credit reports ( CFPB Bulletin XXXX XXXX. This guidance is consistent with the FCRA 's requirement that credit reporting agencies maintain accurate and complete information. Moreover, the FCRA also requires that furnishers of credit information, such as Discover Bank, ensure the accuracy and completeness of the information furnished to credit reporting agencies ( 15 U.S.C. 1681s-2 ). As the furnisher of the credit information , Discover Bank has a responsibility to correct and update the information to reflect the payment of the charged-off account. In addition, the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009 requires that creditors, such as Discover Bank, provide accurate and complete information to credit reporting agencies ( 15 U.S.C. 1666c ). The CARD Act also prohibits creditors from furnishing information to credit reporting agencies that is inaccurate or incomplete. Furthermore, the Federal Trade Commission ( FTC ) has stated that the removal of paid charged-off accounts from credit reports is a best practice for credit reporting agencies ( FTC Staff Report, " 40 Years of Experience with the Fair Credit Reporting Act '' ). The FTC has also emphasized the importance of accurate and complete information on credit reports ( FTC, " A Guide for Consumers : How to Dispute Credit Report Errors '' ). 


In my case, the charged-off account was paid in full on XX/XX/XXXX. Despite this, the account remains on my credit reports. 


I request that you take immediate action to remove this account from all three credit reporting agencies. As the furnisher of the credit information , Discover Bank has a responsibility to correct and update the information to reflect the payment of the charged-off account. 


I would appreciate it if you could provide me with written confirmation of the removal within 30 days. 


Sincerely, XXXX XXXX
Product: Debt collection

I am not liable for this debt whit XXXX XXXXXXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX  they did not provide me with original contract as requested!!!