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

Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ Enter Complaint # from FTC report ] as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I woke up this morning to find inaccurate accounts on my credit report, and Im completely at a loss. I check my report regularly, and Ive never seen anything like this before. I tried refreshing my browser multiple times, thinking it might just be a glitch, but the errors didnt go away. This has left me in such a state of confusion and panic. Please, Im begging you to thoroughly review the documents Ive sent to make sure this nightmare doesnt happen again.
Product: Student loan

I first applied to change my IDR plan to the new SAVE repayment program on XX/XX/XXXX. 

I received an email on XX/XX/XXXX that Nelnet was processing my application and if they hadn't finished processing in 10 days, they would send a follow-up email to let me know. 

I did not hear anything from Nelnet so I sent them an email on XX/XX/XXXX to request information on my account. I had read on XXXX that sometimes Nelnet needed tax return/pay stubs to process SAVE applications, so I submitted those directly on their website in case that was holding my application up. 

On XX/XX/XXXX, Nelnet wrote back and said that there was no additional information needed from me and my application was still pending. 

On XX/XX/XXXX, Nelnet sent me a form via their website that indicated I was required to make a one-time Reduced Payment Forbearance payment to continue processing my application. The letter stated " The one-time Reduced Payment Forbearance payment amount you chose is. The payment is due on. '' ( no typos, there was no payment amount or due date indicated in the letter ). 

On XX/XX/XXXX, I wrote back to Nelnet and asked what my required payment and due date would be. On XX/XX/XXXX, Nelnet wrote back to indicate my payment amount of {$5.00} is due before XX/XX/XXXX. 

On XX/XX/XXXX, I made a {$5.00} payment on Nelnet 's website. My payment was processed but no changes were made to my account on Nelnet 's website. I wrote to Nelnet and asked if my application would be processed. I have not heard anything back and Nelnet 's website states now that I am in Standard Repayment and owe the standard payment on XX/XX/XXXX. 

Between all of this correspondence, I have tried multiple times to contact Nelnet customer service via phone. Each of these times I have waited more than 2 hours and have not been able to talk to a person. Nelnet is only available during work hours and I can't wait on hold for hours and hours at a time. It is unacceptable that I can't get answers to these questions anywhere - on my account, via chat, via email, or phone call.
Product: Credit card or prepaid card

Fortiva Retail credit i already paid the credit and they closed my account and I tried to buy again and the company said my account is closed. After that they charging {$25.00} dollar annual fee. I called and they said my account is open. I have to pay {$25.00} but I don't have credit available. Now my account increased. {$82.00}. Why i have to pay if my account is unavailable. I need help because my account is going to be increased every month
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3400.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7400.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance XXXX XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights and all inquiries needs to be removed immediately : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; Citizens bank ( Charter one bank ) XXXX {$1100.00} XXXX {$650.00} XXXX {$390.00} These banks are not allowing me to open up a bank account with them because I am in XXXX and these banks are reporting wrong information about me and fraudulent accounts were opened in my name and with my identity.thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Product: Credit reporting or other personal consumer reports

RE : TRANSUNION CREDIT REPORTING I have noticed 4 unauthorized inquiries on my report. According to the FCRA, these unverified and unauthorized items must be removed 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
Product: Mortgage

The City of XXXX, Tax Collector ( XXXX XXXX ) sent us a letter dated XX/XX/2018 placing a lien for {$1100.00} on our property at XXXX XXXX XXXX for cleanup costs on our property. On XX/XX/2018 we appeared in court to dispute this charge and the charge was dismissed. We were told by the court to take the " Disposition of Summons '' paperwork to the Tax Collector to have the lien of {$1100.00} released. Our attempts to resolve this matter with the City of XXXX has been unsuccessful. We refused to pay this balance as the court dismissed the charge. As we continued to pursue this issue with the City of XXXX the charges remained unpaid. On XX/XX/2018 we received a letter from Wells Fargo advising us they paid past-due real estate taxes on property. We asked Wells Fargo to provide us with documentation for this additional payment on our behalf. Wells Fargo contacted the City of XXXX and were incorrectly advised this payment represented the removal of a tax exemption on our property for the same value of the lien for {$1100.00}. When we determined this payment represented the same charges dismissed by the court we asked Wells Fargo to reverse this payment to the City of XXXX. Although Wells Fargo has been unable to substantiate these charges after 3 months of research, they have refused to reverse this payment to the City of XXXX and expect us to reimburse Wells Fargo. Please help us to resolve this issue. Initially, Wells Fargo incorrectly included this additional payment in our escrow calculation for the upcoming year. We have spoken with multiple people at Wells Fargo and the City of XXXX but have been unable to resolve it. Hopefully, CFPB will be able to assist us before we seek legal recourse. 
Thanks, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter.

Details of the affected account : I will attach account below I have previously submitted a detailed report of identity theft, along with supporting documentation, to Transunion. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file.

Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft.

I am deeply concerned that the continued reporting of this fraudulent account is not only damaging my credit standing but also infringing upon my rights as a consumer. I am seeking immediate action to rectify this situation and bring my credit report into compliance with the provisions of the law.

I kindly request that Transunion conduct a thorough investigation into this matter and take immediate steps to block the reporting of the fraudulent account on my credit report.

I trust that Transunion will prioritize this matter and work diligently to rectify the violation of my consumer rights. 
Thank you for your prompt attention to this serious issue. 
Sincerely,
Product: Debt collection

Today,XX/XX/XXXX, I received a call from the phone number XXXX. She stated " May I speak to XXXX XXXX XXXX '' I said " may I ask who is calling? '' She said " I'm calling from Credit Management Company, is this XXXX XXXX XXXX? '' I said " yes, may I help you? '' She said " I need to confirm the last 4 of your social is XXXX '' I said " I'm not confirming any information unless you can tell me the reason for your call. '' She said " I'm calling from Credit Management Company and I need to verify your information in order to proceed. '' I said I was not comfortable with that and she ended the call. I searched the company name and called the number listed on their website. Confirmed my information with them and they did not have me in their system or show any debts. I pulled my credit report and there is nothing listed in collections. I called the XXXX number listed above back. The same person answered immediately with " Is this XXXX XXXX XXXX. '' I said " Yes, who are you. '' She stated again she was " Credit Management Company. '' I asked for the website. She provided CreditManagementCompany.com. I told her the number I called her on was not listed on their website. She states " This is my direct extension. '' I asked for the main phone number. She provided XXXX. I immediately searched this number with no results through XXXX. I informed her of this. I then told her I called the number on CreditManagementCompany.com and they did not have me in their system and I suspected she was a scam. She then provided my address and asked to confirm that information in order to proceed with the call. I denied confirming information. I told her I would be reporting her as fraud. She then provided my information again and asked to confirm. I declined and requested she mail any requests. She stated she could not do so without confirming my address. I again told her to mail whatever she wanted to the address on file and informed her I would be reporting her. At no point in the call did she say " this is an attempt to collect a debt. ''
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of accounts in my consumer report. It has come to my attention that these accounts were reported without my written consent, which I believe is a direct violation of my rights under 15 USC 1681b. This section of the law specifically protects consumer information and mandates obtaining proper consent before reporting it. 

I have already taken action by filing a report with the Federal Trade Commission ( FTC ) and have been assigned a reference number : XXXX. Despite my efforts, I have encountered difficulties in resolving this matter. I have made multiple requests to the creditor for removal of these items, only to receive unsolicited documents that I did not request. My complaint is directed towards your credit reporting agencies, as it is your responsibility to ensure accurate and compliant reporting. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in a consumer 's file identified as stemming from alleged identity theft. Therefore, I kindly request that you adhere to this legal obligation and promptly remove the following accounts from my consumer report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX I expect these accounts to be removed within the time frame specified by law, which is no later than four business days after the date of your receipt of this letter. Your prompt attention to this matter is crucial in ensuring my consumer rights are upheld.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX has failed to verify the debt listed in the letter under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus transunion XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/OPEN ) XXXX  XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a closed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, all information provided to the credit bureaus must be accurate, complete, and verifiable.

The following closed account appears on my credit report, yet there are inconsistencies in its reporting : 1. XXXX XXXX XXXX This account does not meet Metro 2 compliance standards in one or more of the following ways : Accuracy : The account may contain incorrect dates, balances, or status not aligned with my records. 
Completeness : Incomplete information about this closed account is present, which misrepresents my creditworthiness. 
Under 15 U.S.C. 1681i, if any item on my credit report can not be verified as accurate, it must be removed. Given these discrepancies, I demand that this closed account entry be deleted from my report within 30 days
Product: Credit card

Citibank returned my payment made by check for no reason and proceeded to charge me a late fee. I had the funds to cover the check and the representative lied and said my bank returned the check to them. XXXX of the vice presidents at XXXX XXXX XXXX assisted me with a XXXX call to get the matter resolved. I feel they tried to defraud me, a XXXX, by returning my check and could not provide me an explanation and charged me a late fee. I wonder how many other seniors they do this to???
Product: Checking or savings account

XX/XX/22 chime closed my account and for days prior to that my account t had been frozen so I had no access to my money and then they closed and kept all of my funds in my checking and savings accounts. Total amount in my savings was {$100.00} and XXXX dollars in my checking account. 
They said I violated their user agreement but I provided them with the receipt proving that it was my money and that it was deposited to the right account. And they said that wasnt good enough and stated that until I show them proof they wouldnt refund my money.
Product: Debt collection

On XX/XX/XXXX I sent Portfolio Recovery Associates ( PRA ) a request for validation letter, pursuant to Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with corresponding state laws. The request for validation response must be competent evidence bearing my signature showing that I have, ( or ever had ) some contractual obligation to pay them. In response, I received a letter that account number XXXX XXXX XXXX XXXX was verified, as it was sold to PRA and that I owe {$2200.00}. 
On XX/XX/XXXX, I sent a second letter further requesting valid documentation, as they failed to provide a copy of viable evidence and per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill does not constitute verification. In response to this, PRA stated they have answered to my dispute and not further replies will be forthcoming. I continually receive phone calls from numerous phone numbers connected to XXXX at all hours of the day. I have been turned down for credit and request for a home equity loan as a result of disparaging reporting from XXXX. I have suffered financial harm from their derogatory tactics. 
I dispute the validity of the purported debt I owe. I request that XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection activities and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

I do not reside at XXXX XXXX XXXX, XXXX, NJ XXXX. And would like this address removed from XXXX and Experian Reporting Agency Consumer Report! 

And also I would like XXXX XXXX XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX my Consumer Report! 

I have been and currently be residing at XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX. 

PLEASE HELP Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute of Unauthorized Mission XXXX XXXX Account I am writing to formally dispute the existence of an account under my name with XXXX XXXX XXXX that I believe has been opened fraudulently and without my consent or knowledge. I only became aware of this account by reviewing my credit report on XXXX, which indicates an account listed by XXXX XXXX XXXX [ insert any account number or reference if available, or state 'with no specific account number provided ' ]. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or fraudulent information on my credit report and request that it be investigated, corrected, or removed as necessary. This unauthorized account is not only inaccurate but also damaging to my credit standing and is the result of identity theft. 

I hereby request the following actions be taken as per the FCRA guidelines : Verification of the Account : Please conduct a thorough investigation into this account to verify its authenticity, how it was opened, and any documentation that was used to establish this account in my name. I assert that I did not authorize the opening of this account and have no knowledge of it prior to my credit report review.

Immediate Freeze on the Disputed Account : Pending the investigation, I request an immediate freeze on the account in question to prevent any further fraudulent activity. 

Correction of Credit Reports : Should the investigation confirm that the account was indeed opened fraudulently, I demand that this account be removed from my credit report with all three major credit bureaus ( Equifax, XXXX, and XXXX ) to correct the information and restore my credit score. 

Written Documentation : I request written confirmation of the investigation 's findings and a confirmation letter once the account has been removed from my credit reports. 

I expect a response to this dispute within the legally mandated timeframe of 30 days as outlined by the FCRA. Should you require any further information or documentation from my side, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your immediate attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers against fraudulent financial activities and credit reporting inaccuracies. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 usc 1681 and under FCRA laws companies are required to provide proof of alleged debts and a signed contract with my signture that i agreed to do business with this company and have my NON PUBLIC INFORMATION SHARED WITH OUT MY CONSENT
Product: Payday loan, title loan, or personal loan

XXXX XXXX/Mariner Finance calls my work number twice a day and leaves me 2 messages.