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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I contacted the credit bureaus and asked them to provided information on the bankruptcy on my account. They responded saying that they received the information from the bankruptcy court saying that they reported it. I then sent a letter to the bankruptcy court asking if they responding to a letter from, they bureaus and their response was they don't report any information to anyone. I sent them a letter with the response and a letter of demand, and it still wasn't removed.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue regarding my credit report. Upon careful review, I have identified several instances of late payments that are inaccurately recorded on my credit history and I would like to dispute these erroneous information. I strongly believe there is an error in the reporting of these late payments, as I have consistently made timely payments for the mentioned account. I also called the bank and they said they would correct and update the account. I kindly request your assistance in investigating this matter and, if warranted, correcting the information on my credit report. 

XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Loan obtained through XXXX XXXX to consolidate debts on XX/XX/23. One debtor included is Avant financial with a pay off quote of {$2900.00}. Avant charged my checking account for {$2900.00} under an error I made while obtaining the pay off amount. In error I entered XX/XX/23 as the date of pay off, believing XXXX XXXX would have sent {$2900.00} by then. Funds did not arrive, and as of today XX/XX/23, not received by Avant. 
After contacting XXXX XXXX I was informed that a check for {$2900.00} had been mailed to Avant possibly taking 10-15 days to process, which I was not told when I selected direct pay from XXXX XXXX XXXX Avant, meanwhile my checking account is overdrawn by over {$2000.00}. 
Contacting Avant in order to resolve this situation was futile. Contacting XXXX XXXX also led nowhere. 
My point is, had I had been made aware by XXXX XXXX, that Avant financial was being mailed a check instead of electronic payment, I wouldn't have entered a XX/XX/23 payment. I believe 2-3 weeks is an unreasonable time for completion of payment.Meanwhile my checking account remains overdrawn. 

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

Problem repeatative. All credit bureaus claim to allow consumer commentary. Their own words - they DO NOT! Opinion by experience A Lie! ALSO disputes never resolved and continue perpetually. They then brazenly- out of no fear of this CFPB -close the report as similar. Here is the LIE- According to the Fair Credit Reporting Act, you may add a statement to a specific item on your credit report that sets forth the nature of your dispute. The statement will remain on your credit report for as long as the item appears on your report and will display to any potential creditors or employers who receive your credit history. You may prefer to simply explain your specific circumstance when you apply for credit or employment. 



To add a statement, select a commonly-requested statement from the list below. You may also contact us by mail to add a statement written by you or submit your statement electronically at experian.com/upload.THIS IS IT - WHAT THEY GOT THEY ALLOW! 

Delinquency due to natural or declared disaster. 
Delinquency due to extended unemployment. 
Delinquency due to job layoff. 
Delinquency due to divorce proceedings. 
Bankruptcy due to medical bills. 
I suffered bankruptcy due to business while I was self-employed. 
Bankruptcy due to business failure. 
Debtor has successfully completed a voluntary repayment plan of outstanding debts submitted by client and administered by XXXX XXXX XXXX XXXX XXXX  ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 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
Product: Debt collection

The doctor charged the wrong health insurance company. Correct information was provided but the doctor 's office never followed up and instead, turned it into collections. Debt is now to old to file with the correct health insurance company. In the mean time, the collection is showing up on my credit record and causing credit problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX i am writing this myself on behalf of myself, any authorization or verification you say you need consider it given.. 

your company is in violation of 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) and in violation of Under truth and lending 15 U.S. Code 1602 ( I ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

By that definition my social security card is a credit device existing for the purpose of obtaining money, property, labor, or services on credit.

And anything that extends from a credit card or similar device according to 15 U.S. Code 1681a ( 2 ) Exclusions ( B ) ; should be excluded from my credit report.

not only that, but since i am the original creditor according to 15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

as the original creditor, only i can validate this debt. i do not validate this debt which puts this agency in violation of 15 U.S.C 1692g. since i wasnt notified of this in writing 5 days prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Capital One bank account for few years, an recently i Have fraud on my Credit card. 
After replacing my old credit card with new one, Capital One falsely reported me as a late payment.
Product: Mortgage

I have automatic with drawl from my business checking account every month for the mortgage payment in the amount of {$2900.00}. Each month I make a cash deposit so the payment will clear. My payment is due by the XXXX of every month.XX/XX/XXXX I deposited {$3000.00} cash. Webster Bank with drew the payment on XX/XX/XXXX and assessed my account a late payment fee in the amount of {$140.00}.  Webster Bank refuses to waive the late fee because they state my {$3000.00} cash deposit takes three days to clear. Webster Bank practiced the same solution for the XXXX payment as well. I feel Webster Bank is not practicing fair trade.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX many different times stating I have filed bankruptcy chapter XXXX which was discharged XX/XX/2018. XXXX  's foreign customer service representatives every time filed with the companies a dispute of ownership of the accounts. I contacted XXXX  to advise I filed chapter XXXX bankruptcy which was discharged and to add the same to my credit report. I also advised the representatives that I was not disputing owing the monies. I gave the representatives from XXXX  my bankruptcy case number, also. I am very frustrated with XXXX, hiring incompetent representatives. XXXX  took care of my request immediately. The companies still showing monies on my XXXX   credit report are XXXX XXXX XXXX XXXX credit card for {$2400.00}, XXXX  XXXX XXXX credit card for {$1200.00}, XXXX XXXX XXXX credit card for {$430.00} and GM Financial auto loan for {$9600.00}. Deletion of these accounts from my credit report is all I am requesting. Thank you.
Product: Debt collection

I previously filed a complaint against McCullough Payne and Haan, who obtained a default judgment against me per I was not notified of the court date. I spoke to the clerk of court, who confirmed the hearing information was mailed to an old address. This company has began garnishing my wages, and claimed in my previous complaint that they were waiting for the judge 's decision regarding my motion to dismiss, and that they were closing my complaint in their office. This is not true because I spoke with Judge XXXX XXXX in XXXX County on XXXX XXXX, 2015 who rendered the default judgment, and she informed me that she was unaware that I opposed the judgment until I left a message with her office on XXXX XXXX 2015. I have called the lawfirm and was informed that I would need to speak with XXXX XXXX. I asked her to confirm the account number for the account in question, and she stated that it is XXXX XXXX XXXX XXXX, and that it is for an XXXX credit card. I informed her that this does not match any account that belonged to me, and informed her that I had proof, and faxed it to her. I asked her to call me to confirm receipt. I never heard from her, and she would not return my calls or voice-mail. I escalated the matter to XXXX XXXX, the collection manager, and my calls nor messages have been returned. I faxed my documentation to him as well, which was a copy of my credit report dated XXXX/XXXX/2015, which shows that the account numbers are not the same. My credit report shows a XXXX balance, and the account was closed per this credit card company was shut down by the FTC, and was forced to close all consumer accounts. Furthermore, this lawfirm improperly issued the wage garnishment. They were supposed to send the notification to me within 3 days that they notified my employer, via certified mail, which did not happen.
Product: Credit card

I noticed the amount due on my statement was higher than expected and seemed too high. I audited the charges on the statement ending XX/XX/2024. The balance due was {$11000.00} higher than the actual charges verified in my audit. I called Amex and verified all the charges with the Amex agent. I asked her to explain the discrepancy between actual charges and the amount due on the statement. She gave a verbal response regarding policies, procedures, and credits. I did not understand. I invited her to go the the math, line by line to explain the amount due in dollars, not words. She refused to do it and cut me off in the middle of my verbal requests for information and attempts to explain my position. I asked for a supervisor and a new agent was passed to me. We went had the same conversation, including my invitation to do the math line by line. She refused to go through the math and cut me off while I was speaking. I don't recall ever completing a full statement. I asked for her supervisor and was passed to t a third agent. This agent cut me off before I completed a single statement and refused to go through the math, line by line, with me to explain the amount due. All three agents were disrespectful. After continuing to ask for the third agent to respect me by letting me complete a verbal statement and asking her why she continued to disrespect me, she hung up on me. Supposedly, all of this is recorded and on record. I am willing to pay all money I owe to Amex if they can explain it to me in dollars with math, not words. Until I understand why I owe what I owe, I refuse to pay my current billing statement. I have performed my due diligence in trying to resolve this directly with Amex with a recorded conversation that lasted over two hours with three different agents. I am requesting that CFPB work with Amex to explain how Amex determined how much I owe and explain the discrepancies with math, numbers, and dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm contesting have nothing to do with any transactions I've done or approved in order to obtain products, services, or money. Please delete the following ITEMS. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my Equifax Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Equifax Credit Report immediately. Please remove the following - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You XXXX XXXX
Product: Student loan

On or about XX/XX/XXXX, severe wildfires began in XXXX XXXX XXXX, near my home residence and my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) wildfires which significantly worsened over the ensuing days. 

On XX/XX/XXXX, FEMA declared a Major Disaster for all of XXXX XXXX XXXX ( including my residence and home zip code ) as the wildfires grew to over six active fires, now affecting both my home residence and employment with XXXXvacuation Warnings and FEMA declaration on XX/XX/XXXX. 

As a result of these truly horrific wildfires, I am requesting urgent and immediate placement of my Firstmark Services loans on a Natural Disaster forbearance for immediate action today XX/XX/XXXX. As Firstmark Services has previously honored forbearances and then arbitrarily removed the forbearance, I am requesting as that this has now been a FEMA declared Major Disaster ( FEMA Disaster DR-4856-CA ), I request immediate honoring of this forbearance on my Firstmark loans today urgently. I am also attaching a copy of my present month to month lease active since XX/XX/XXXX, reflecting the same zip code as my mailing address of XXXX -- XXXX XXXX / XXXX XXXX CALIFORNIA. 

Thank you kindly in advance for your immediate assistance in ensuring that my Firstmark loans are placed in Natural Disaster forbearance urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint and has been ignored.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to XXXX XXXX XXXX XXXX XXXX, if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE NOT AUTHORIZED BY ME AND THEY ARE DUE FOR REMOVAL OFF MY CREDIT FILE. THESE INQUIRIES WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. THEY PREVENTING ME FROM ACQUIRING NEW CREDIT AND I WOULD LIKE TO HAVE THEM REMOVE.
Product: Debt collection

My XXXX account was frozen, and upon further exploration of the issue I noticed that an individual by the name of " XXXX XXXX '' had used my information to apply for a XXXX credit card, and made charges amounting up to {$980.00}. I personally have never applied for a XXXX Credit Card. However, I can see through my XXXX account that charges were made as early as XX/XX/2021 all the way up to XX/XX/2021. 

I contacted XXXX directly via email notifying them about the issue, in which they had prompted me to send proof that I am the XXXX Account user. This included sending photos of my ID, as well as photos of me holding up my ID, and a copy of my recent bank statement, showing the last 4 digits of by bank account number. Their resolution to this issue was to " unfreeze '' my XXXX account, although my account is still frozen and I have not received further communication from them. 

Further, I contacted Synchrony Bank which is the credit company who handles XXXX Credit Cards. After speaking to a representative from their fraud claims department, yet they only advised me to change my phone number, and they informed me that they would be trying to reach out to " XXXX XXXX '' to collect the debt. However, I was not informed as to how they would be planning to contact that individual, given that they clearly used my information to apply for the credit card in the first place.
Product: Student loan

I do n't know who the holder of this loan is. but it is reporting the wrong default date. I graduated from college XX/XX/XXXX. I have a grace period and when that is done that is when I have my first default XX/XX/XXXX. they are not reporting the correct date, selling the loans to other lenders and I need the correct information submitted to the credit bureau. I have reached 7 years of non payment.
Product: Credit card or prepaid card

Early this year on XX/XX/2020 I went to XXXX XXXX XXXX XXXX in XXXX XXXX and spent {$600.00} on one room and an additional {$600.00} for a second room all purchased using my Citi Prestige card. 

When I arrived to the hotel they treated my friends and I very poorly and thus decided to stay elsewhere. 

Before leaving, I spoke to the manager of the hotel, XXXX, and told her that we would not be staying at the hotel and to please cancel the hotel reservation and she confirmed that she will cancel the reservation. I took her number down as well. 

When I checked my Citi credit card statement the XXXX XXXX charge was not reversed and then I asked Citi to dispute the charge. 

I found out on XX/XX/2020 that the XXXX XXXX charge has been placed back on my card. I spoke to Citi on XX/XX/2020 but did not come up with a resolution. 

What XXXX did is fraud and I need Citi to reverse the charges on the card.
Product: Credit reporting or other personal consumer reports

To whom it may concern I reached out to all three of the reporting credit agencies and no one has been able to provide me with proof that this account belongs to me. I also reached out to the merchant, who also couldnt provide information the account belonging to me. Please find the attached letterhead, indicating that I have no account with the company reporting on my credit report. 

This account is XXXX XXXX XXXX This is Hindering me from obtaining employment
Product: Student loan

I hold XXXX private loans with Sallie Mae taken out during the XXXX timeframe for my attendance and then graduation from the University of XXXX XXXX At the time the University did not accept any other lenders and sent me and my mom into this direction. Post graduation I had a hard time finding employment to pay my monthly loan balance of >1k and Sallie Mae did not work with me to find a payment plan that suited my financial situation and recommended forbearing. My original loan request for all XXXX loans was {$76000.00} and has since doubled to {$150000.00}. I'm looking for insight to see if my loans are included in the recent settlement as I feel these are subprime loans with variable interest rates and Navient hasn't done anything to help. I've also requested several times to remove my cosigner and was told this couldn't be done. 

XXXX XXXX {$16000.00} XXXX XXXX {$18000.00} XXXX XXXX = {$20000.00} XXXX XXXX {$22000.00}
Product: Checking or savings account

Experian Credit illegally obtained my debit card information and placed a charge for {$19.00} on XX/XX/21. This was after I paid for membership through bill pay directly from my bank account. Also I did not give Experian my debit card information, I did not give that new information to anyone, because I recently placed a fraud alert on my credit. Then Experian goes and obtain my debit card information from my bank account and place an unauthorized charge, they're supposed to be protecting me from idenity theft yet they commit fraud and idenity theft. I feel violated in the worse way. Contacted my bank immedately. Paid for membership through bill pay on XXXXI have, removed all banking services from Experian membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account is reporting that my payment for XX/XX/2020 was 30 days late. It was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. On or around XXXX XXXX. Someone used my identity to purchase 2 Iphones and a XXXX account. The address they used was XXXX XXXX XXXX, XXXX XXXX MN XXXX. This address is now appearing on my credit reports. I testify that I have never lived at this address and want it removed. Police reports have been filed. I have also begun the process of disputing the claim with XXXX. A Fraud hold has been placed on my credit reports with all major credit reporting companies. I was also a victim of the Equifax breach.