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

This is my XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I opened an auto loan with mechanics bank on or around XX/XX/year> This was from a car dealership in or near XXXX XXXX. 
The car broke down and was not drivable, they took the car back and charged off- XXXX $ They also sent several concerning emails, and letters. 
My credit has been seriously effected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft issue. I am not the person XXXX XXXX has a contract with. It is not my name and I have never opened an account with this company. It is an identity theft issue that I have been dealing with. It is not my birth date they have listed, but a similiar birthdate. It is not my name they have listed, but a similiar name. However they have somehow put it under my social security number by mistake or gotten me mixed up with the similiar name ... and put it under my address. They are trying to bill me for another person 's bills and say it is mine and put it under my credit report. I have reported the " identity theft '' and the name as " identity theft '' however EQUIFAX seems to be the cause of the " BREACH '' I believe. Equifax refuses no matter what I tell them to remove the wrong name. The first name is " XXXX '' since registered with State. Never " XXXX ''. I have called multiple times to report to Equifax, written Equifax multiple times, sent them UCC laws, sent them passport, sent them licenses, sent them FTC Identity Theft reports, but still they refuse to remove the name " XXXX '', which opens the door to more identity theft by the original breach and thief. ( all by internet, by usps mail and called multiple times to talk to agents ). NO MATTER WHAT I DO, EQUIFAX REFUSES. NO OTHER CREDIT COMPANY OR COMPANY CONTINUES TO MAKE THIS MISTAKE EXCEPT EQUIFAX. At this point I want to opt out of Equifax and take all my information off of their reporting circuit. I do not trust them after their breach and they do not seem to be able to correct their mistakes. I want to OPT OUT of EQUIFAX. They have caused too much trouble for me and I believe they have actually CAUSED my Identity Theft and are continuing to put me at risk!!!!!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX 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

XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights XXXX5 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: Mortgage

Hello, I have worked with an unlicensed loan officer from mymortgageinc based out of Maryland. Their XXXX  is XXXX. Id like report a XXXX XXXX who has helped me with this process, she said she was licensed and quoted me rates and terms. I have recently found out she doesnt even have legal documentation to be in this country. She changed rates for me last minute violating my trust.
Product: Checking or savings account

Someone withdraw money out of my checking account since XXXX of 2023. They went to a non TD Bank atm and withdrew XXXX or XXXX dollars from atm about every two weeks of less. They had my pin information and my card information. I never lost my card and I one knows my pins number to my card. The bank said someone to money out of a non TD bank atm but they told me its in the XXXX, New York. They had not address to give me. I do not use non TD atm Machines. I really call about the only withdrawal I saw in XXXX but the service lady told me money has been taken out since last XXXX. This wasnt me and they said there is nothing they can do. This is not right to me. My bank is suppose to protect me. They did nothing to help me. Can someone please help me. I have been scammed how does someone talk money out of my account and I have my card with me at all times.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate, XXXX XXXX XXXX XXXX, Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

there is inaccurate information on my credit report that is not associated with my identity, nor is there a contract associated with my identity XXXX XXXX XXXX XXXX XXXX. I am unfamiliar with this company and the reported loan on my credit report. Please correct this issue!
Product: Credit card or prepaid card

I worked to pay the total balance, and have brought it down from over {$1500.00} to {$300.00} & when the interest was added, it was added based on {$1500.00} & not on the remaining {$300.00}. No company should be able to charge double the amount of interest on a deferred balance, there should be some sort of limits set for the balance and amount of interest charged. I am XXXX and on a fixed income, and can not afford to give them an additional {$260.00} plus additional interest.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$5400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) as proof from the US 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, credit repair services, or other personal consumer reports

The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are fraudulent and unauthorizeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX XXXX XXXX  XX/XX/2021, the credit inquiries are all fraudulent, unauthorized, and not my credit inquiries.
Product: Debt collection

I was served with a summons and the address is not my own. I did not charge this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I created an account to monitor my credit and was surprised to see that I was impacted with a 30 day late hit with the credit bureau XX/XX/2019 which has greatly impacted my FICO score ( s ). I have been a long time customer of Macys with perfect payment history. This blemish was due to a result of not receiving a billing statement in the mail. Once alerted, it was corrected immediately. I had no idea my credit was impacted. I value my credit and relationship with Macys and hope that during these uncertain times they will reverse the XX/XX/2019 30-day late hit with all credit bureaus to restore my credit profile.
Product: Credit card or prepaid card

( 1 ) I have a XXXX XXXX CC from American Express ( annual fee {$450.00} ). Usually, I receive an annual statement credit of {$300.00} for eligible hotel stays at XXXX hotels. Due to Covid travel restrictions, American Express offered a {$300.00} statement credit for restaurant purchases ( dine-in and take-out ) in the U.S. between XX/XX/XXXX XXXX ( refer to my attachments for details ). The details were confirmed by Amex in a website chat on XX/XX/XXXX. I was automatically enrolled in this program ( see attachment 3 ), and I spent {$300.00} for restaurants during that time period ( see attachment 7 ).

( 2 ) However, Amex did not provide yet the statement {$300.00} credit as promised.

( 3 ) To clarify the missing credit, I've contacted customer service on the Amex website ( chat service on XX/XX/XXXX ), and I've called customer service twice ( in XXXX and XX/XX/XXXX ). They noted the details and promised the request would be clarified by customer service and I would hear back from them. But no luck so far. 
( 4 ) Thus, I would like to file a complaint about the missing statement credit of {$300.00}.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the COVID-19 pandemic. 
During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to COVID-19, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX  continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies. 
I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA. 
Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was excited to check my Credit Report upon ordering an updated copy from XXXX XXXX XXXX dated XX/XX/XXXX to see whether the Credit Bureaus removed the items that I have been disputing for quite some time now. However, upon further investigation of my Credit Report, I was disappointed to see no change at all. It is as clear as daylight that the Credit Bureaus did not comply with the FCRA section 605b which is punishable by law. Despite the multiple written letters I have been sending to the Credit Bureaus, the Credit Bureaus never even took their time to verify the information they report on my Credit file. I have been informing them that I am a victim of Identity theft through the letters I have been sending them. But it seems like the Credit Bureaus do not give a XXXX about a consumer 's appeals and requests. Let me remind the Credit Bureaus that they are required to remove any account and information that the consumer considered were opened due to fraudulent information under the Fair Credit Report Act section 605b. I am submitting this complaint to urge the Credit Bureaus to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL, XXXX XXXX XXXX Av, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, MO, XXXX AD XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX Balance Owed XXXX {$2100.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX/XXXX XXXX XXXX  add a hard inquiries on my credit reports per XXXX and XXXX. 
On XX/XX/2020, XXXX XXXX  add a hard inquiry on my credit report per TransUnion. 
On XX/XX/2020, JPMCB - CARD SERVICE add a hard inquiries on my credit reports per XXXX and XXXX. The report does not include information about the creditor. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX inquired into my TRANSUNION and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i see inquiries that i dont recognize. I have reached out to the original creditors and they couldnt help me. I have sent a dispute before to you guys to delete these inquries I have no knowledge of. Please delete from my credit report or I will have to seek litigation. I did my research on the law and it stated per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed by myself voluntarily. I no longer wanted to do to business with this company and closed the account voluntarily. My report shows that it was closed by the company and it is reporting negatively on my reports. This has became a big issue in obtaining credit. Please remove his account from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue by phone with Equifax. Each time I have been placed on hold and then disconnected. 

These accounts do not belong to me and Equifax has failed to properly investigate these inaccuracies.
Product: Student loan

I have consolidated my federal educational loans through College Ave as of XX/XX/XXXX. While I am grateful for the opportunity to consolidate my loans, I am deeply concerned about the level of service being provided to borrowers during the global coronavirus pandemic. 

Three months of emergency forbearance ( while interest continues to accrue ) is simply inadequate and downright immoral. 

At the very least, College Ave should align to newly-mandated federal govt policy under the CARES Act : 1. All payments due through XX/XX/XXXX should be suspended immediately. 
2. No interest should be allowed to accrue on loans during that same period. 
3. No negative credit reporting on student loans during the same period. 

Why has College Ave chosen to not align with new federal guidelines on how borrowers should be supported during this time of crisis. With many borrowers facing the loss of employment/income, increased medical expenses, extremely ill if not recently-deceased family members ... how can College Ave in good conscience continue to fleece borrowers? 

My sincere hope is that College Ave revisits and revises its treatment of its borrowers during these unprecedented times. This is a moment in history when companies that care about their customers are set apart from the companies that show an utter disregard for consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  failed to report score along with bureaus accurately
Product: Student loan

items need to be removed and deleted from credit, inaccurate information is being reported
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company 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