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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account name : XXXX  XXXX XXXX Account number : XXXX  Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

MY CARD IS DECLINED FOR EVERY PURCHASE AFTER I UPDATED MY NEW ADDRESS WITH COMENITY BANK. I HAVE CALLED THEM 4 TIMES AND WAS PLACED ON INDEFINITE HOLD WITH NO ANSWER EVER BY CUSTOMER SERVICE. I HAVE EVEN EMAILED COMENITY WITH XXXX XXXX RESPONSE WITH NO RESOLUTION TELLING ME TO CALL BACK. I JUST TOLD YOU FOLKS YOU DONT ANSWER YOUR PHONE. THEY WILL NOT CALL ME, CAN NOT CALL ME AND APPARENTLY ARE UNDERSTAFFED AND CAN NOT SERVICE CREDIT CARD ACCOUNTS AS A RESULT. THIS IS NOT ACCEPTABLE AND THIS SHOULD BE INVESTIGATED DURING YOUR NEXT REVIEW OF COMENITY BANK.
Product: Credit reporting or other personal consumer reports

There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being 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 the consumer : Account Name XXXX XXXX  Account Date : XX/XX/2023 According to 15 U.S Code 1692c, 1692c ( a ) ( 1 ), 1692c ( c ), 1692e ( 8 ), ( 10 ) and1692f ( 1 ), a company by law is not to report information on a consumers credit report unless instructed or written permission was provided by the consumer to that company. XXXX illegally bought my information from a person and/or company without my knowledge or permission. This is a result of identity theft and as well as false representation on my credit report. You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX have no results of this account reporting remove XXXX XXXX from Equifax its fraud attached FTC report to Equifax confirmation number XXXX
Product: Credit reporting or other personal consumer reports

I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! 

It has been a defamation of my character Company name : XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account paid in full XX/XX/XXXX, as of today XX/XX/XXXX Experian shows this account negatively on my credit report. 

Their information is outdated and they have violated my rights as a consumer.
Product: Student loan

I have a student loan with PenFed, my Member Number : XXXX. This lender website does not allow borrower to choose what to do with any overpayments. Any overpayments are apply to future monthly payments and thus treats student loans as a mortgage. Borrowers are not allowed through the website to make payments to the principals and thus reduce their debt or pay it before the payment schedule as permittable by law. 

The website asks you to call a number XXXX waiting time around 20 minutes. They then tell you that you are not allowed to pay the principal online because you might get confused. And they also inform you that any payments to the principal, which can only be made over the phone, has a {$5.00} fee. 

If people are constructively blocked from applying their extra monthly payment to their principal, they are prevented from prepaying their loans. In fact, that is worst than a prepayment fine. 

XXXX XXXX
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 be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX ACCOUNT XXXX XXXX, XXXX, XXXX  I NEVER HAD A CONTRACT WITH THE COMPANY OR SIGNED UP. DELETE COLLECTION FROM XXXX.
Product: Credit reporting or other personal consumer reports

I submitted disputes about the negative information on my consumer report to this company on numerous occasions and the company did not investigate these disputes properly. 
( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C
Product: Debt collection

I sent Sunrise Credit Services LLC multiple letters of dispute, multiple Identity Theft Reports and other documentation that went ignored for months.
Product: Credit reporting or other personal consumer reports

Equifax is causing harm to my consumer report by not accurately reflecting my consumer credit score. Equifax is in the business of furnishing consumer reports based on my relationship with my creditors. My creditors have stated and Equifax that they are reporting accurate information if that is so why is there no risk score available if based on the same information the other 2 reporting agencies have.

credit score Primary tabs A credit score is a number between XXXX and XXXX that serves as a numerical representation of a persons creditworthiness. The higher the score, the better an individuals chances of securing a loan since a higher score suggests a greater likelihood that an individual will repay a loan on time. 

The score is calculated based on an individuals credit history, which includes the number of open accounts the individual has, his/her repayment history, and the amount of debt the individual has ( see also credit report ). 

The XXXX score, created by the XXXX XXXX XXXX, is the most commonly used credit scoring system and is currently used by 90 % of top lenders. 
credit report Primary tabs A credit report is a detailed written account of a consumers credit history, as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses, Social Security number, and employment history ) as well as their history of loans, credit cards, bills, accounts, payments, bankruptcies, and credit searches. 

Lenders use credit reports to determine each loan applicants creditworthiness. In order to obtain these reports, lenders are required to follow the procedures laid out in the Fair Credit Reporting Act. The Fair Credit Reporting Act requires that each of the three credit report bureaus ( Equifax, XXXX, or XXXX ) must supply consumers with a free credit report once a year. The Act also entitles consumers who are on welfare, unemployed ( and seeking employment ), victims of identity theft, or subjects of adverse action ( such as denial of credit, insurance, or employment ) to a free credit report from each of the reporting agencies. 
XXXX XXXX XXXX XXXX is the acronym for XXXX XXXX XXXX, as well as the name for the credit scoring model that XXXX XXXX XXXX developed. A XXXX credit score is a tool used by many lenders to determine if a person qualifies for a credit card, mortgage, or other loan. XXXX scores also determine the interest rates a person would pay or their credit limit. Higher scores generally correlate to a better likelihood of getting a loan, and better interest rates for those loans. Scores range from XXXX to XXXX. A score below XXXX is deemed poor, and persons with this score are viewed as risky. A fair credit score is any between XXXX, good between XXXX, and very good for XXXX. Those with an XXXX or above are deemed exceptional.
Product: Credit reporting

THE COMPANY XXXX IS ATTEMPTING TO COLLECT A DEBT THAT I DO NOT OWE. THE DEBT IS OCCURRING FROM MY FORMER APARTMENT COMPLEX THAT I WAS UNLAWFULLY TOLD TO LEAVE. I WAS TOLD THAT IF I WOULD LEAVE THE APARTMENT IMMEDIATELY MY LEASE WOULD BE BROKEN THAT DAY AND ALL DEBTS WOULD BE CONSIDERED AS " PAID, '' I HAVE DISPUTED MULTIPLE TIMES WITH COLLECTION AGENCY TO NO PREVAIL. I NEED THIS ISSUE TO BE RESOLVED AND DEBT TO BE REMOVED BECAUSE IT IS NOT VALID FROM WHAT I WAS TOLD BY APARTMENT MANAGEMENT
Product: Debt collection

They call my job everyday even after I sent a cease and desist e-mail to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 Following accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer reporting 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 USC 1681 ( 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: Debt collection

My ex-boyfriend ( and the father of my older XXXX children ) fraudulently opened a XXXX Wireless Account ( and possibly other accounts ) using my Social Security Number and an alteration of my name. I tried disputing the account with XXXX when I first became aware of it in XX/XX/2014, but never submitted the fraud packet to initiate the dispute. I was recently told by a representative at XXXX  that I need to file a police report, but I have no address or phone number for my ex-boyfriend, I only know that he lives in XXXX XXXX County, MD.
Product: Debt collection

Modification process stopped with lender ; foreclosure hanging over our head during covid 19 period No offer of forebearance Washington state has been shut down
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several times to transunion and   XXXX   over incorrect dates used on credit report collection accounts  XXXX  accounts reported and  XXXX  wrong dates these are from healthcare related issues with daughter in  XXXX . Extremely upset as only accounts in collection and due to healthcare and I had credit insurance to make payments in absence of income and inability to keep income. They have brought my score down by reporting them from  XXXX ,  XXXX  and they are all o ver 4 years old.
Product: Checking or savings account

Will like all my overdraft fees to be reimbursed for the last 24 months
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is discriminating against me as a XXXX XXXX XXXX  and not reporting my Account as Settled within the " Payment Status '' Section of each Credit Report and, thereby, causing a negative impact to my credit reports which are not reflecting the payment had been made on XXXX. Account was Settled and should reflect this status within the " Payment Status '' area to properly update the Algorithm data to properly increase my scores vs. only placing the payment status in the 'comments section ''. Updating the " Payment Status '' section of the Credit report should reflect " Account Settled '' When I spoke to USAA they claimed they would place an updated document on my Portal this week, however, it never happened. 

I also reached out to XXXX XXXX XXXX, XXXX on last week XXXX XX/XX/XXXX, who took my payment on behalf of USAA for {$690.00}, stated that they notified USAA in XXXX that the Settlement was Paid and they were responsible for updating my Credit Reports, however, USAA has not updated my Credit Report to reflect the USAA Account ending XXXX was " Settled ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that items were furnished that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/1996 XXXX, to protect my privacy and medical records from any third parties. I do not recall giving permission to release my medical information to a third-party. I am aware that HIPPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
XXXX. ACCT XXXX - {$87.00} XXXX. ACCT XXXX - {$100.00}
Product: Credit reporting or other personal consumer reports

Applied for an apartment got denied because of fraud alert Remove wrong I have been trying to figure out what is wrong for over a year I complained to XXXX Nothing is working Im contacting the attorney generals office and hopefully they will help me Also my driving record is sealed. Why??? 

There is so much incorrect information on my credit report but my biggest concern is the fraud alert Remove wrong I dont understand what is going on I cant get approved for anything Meanwhile I havent had a credit card since XXXX  What is going on
Product: Debt collection

XX/XX/2020, Scam artist company called XXXX XXXX pretended to be our copier  vendor to sell toner. Without asking them to send any toner or supplies to our company, they sent it anyway. We still have the product in boxes, unused. XX/XX/2020, they send us a bill for around {$520.00}. The new assistant at our office paid this without questioning it. After a week when I caught that she had paid this company without having me authorize it, I had to call our legitimate copier company which they confirmed that we had paid a scam artist and the supplies our copier company has, would always be free of charge since we pay a yearly contract with them. Our legitimate copier company and they confirmed that whoever I spoke to at XXXX  XXXX  is not legitimate and a scam company. 
At this point, I had to get a refund from XXXX  XXXX  because we actually never ordered the product in the first place -- but also, because they are scam artists. I explained to XXXX  XXXX  that I would be willing to send them the supply of toner that they sent without confirming that we even wanted it sent to us. They said they emailed me the return label but I never received anything. Today ( XX/XX/2020 ), I received a letter stating that they sent Caine & Weiner, a collection company, to collect {$550.00} from us. I looked up CAINE & WEINER and many people have said this was a scam company as well. 
I am STILL willing to just send this package back to them as long as they pay for the shipping, which they said they would. Now I see that this is how they get their money.. they faked like they sent an email with a shipping label but they don't. Then they send collectors, CAINE & WEINER, out to get the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a tax ID holder, and I do have credit established here in the US, 1. Experian : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to Transunion or XXXX. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, Transunion and XXXX  about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. 

2.Transunion : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. 

3. XXXX  : I have online access to the free report every month, called my XXXX, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. 

4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.
Product: Debt collection

I have disputed the Ad Astra Recovery Services with XXXX and XXXX stated that they verified this information. I do n't understand how can they verify an account that do not belong to me. This account was open as a result of identity theft or they insert this account on my credit file. I need your assistance in getting this matter resolved.
Product: Debt collection

I received a letter from TSI stating that I owe for a gas bill to XXXX XXXX XXXX for a location that I havent lived at for over a year. Someone was impersonating me at a previous address for the dates listed XXXX
Product: Student loan

I viewed my credit report and saw that I have several student loans when I thought I only had XXXX. The student loans are listed under more than one account and I need only XXXX account for the student loan. I wrote the bureaus asking them to delete those loans which I knew nothing of as I only knew of XXXX student loan. I want to get my student loan as XXXX account and not several different accounts as I can not maintain several different loans. 
My Education loan is with Dept of Ed/ XXXX .
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling an complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation,.
Product: Credit reporting

I have forwarded a dispute with Equifax to remove XXXX inquires that are past due from the 2 year mark of removal. I have not received a response, regarding my request. 
- XXXX XXXX ( XXXX XXXX, 2013 ) - XXXX ( XXXX XXXX, 2013 ) - XXXX XXXX XXXX XXXX ( XXXX XXXX, 2013 )