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

In accordance with the Fair Credit Reporting act XXXX the below accounts, 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 Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Untitled { XXXX } XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

They froze my account but let withdrawls go through and then closed my second account with funds in it to pay for the other account but never got ahold of me, sent a check then reversed it, and because they allowed funds to be tooken from a frozen account they are liable for said funds, and I've still never heard from them. They have casued such a terrible experience
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with a monthly payment of {$1400.00} with a united wholesale mortgage. I registered for automatic drafting on XX/XX/2021. But the Company did not draft the payment automatically in XXXX, so then there is a past due and the company reported to the credit company. My credit was deducted XXXX points on XX/XX/2021. 
I was not aware that UWM did not charge me automatically, so it became a late payment, so I did a dispute with the company, but they did not help me solve the issue and marked the dispute as complete without investigation. 
I would like to request credit restoration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

Wrote check at XXXX 's XXXX XXXX on XX/XX/XXXX. It bounced. 
XXXX hired Meade and Associates on XX/XX/XXXX to collect. Once I got the notice I called and made arrangements to pay half on XX/XX/XXXX and the rest on XX/XX/XXXX. They said I would not be reported to the credit bureau with these arrangements. I got a copy of my credit report on XX/XX/XXXX and suddenly there is a paid collection on my account that says this debt was paid in XX/XX/XXXX! This entry has dropped my score below what I need to buy a house. The girl I just talked to was mean and nasty and said there is no way they will remove this entry ever for any reason. I asked her point blank even if you are wrong you will not remove the entry and she said no never. XXXX she told me that the rule was it had to be paid within 60 days of them receiving the debt so I paid the last payment at XXXX days but they told me when I made the arrangements they would not report at all. I was arguing with her and then she says no it is not 60 days it is 30 days from when it turns up in their office. She just kept lying. They found it necessary to send it thru to the credit bureaus XXXX months after I paid it off!!!!!!!! This is XXXX and they need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX I was suspected of identity theft in a data breach with XXXX. In XX/XX/XXXX I submitted a dispute to all 3 major Credit buraus Agencies in regards to my suspicion of identity theft .I have yet to have my disputes resolve or any feed back regarding this matter and its well over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to make a financial purchase only to be told that there were several collections from XXXX XXXX reporting on my credit file. I disputed the accounts directly with all three reporting agencies and XXXX and XXXX did investigate and they deleted the false accounts. Equifax however has not. There is no possible way that Equifax did a proper validation because I personally called XXXX XXXX and they confirmed that the accounts were not mine by using my social security number. The issue is on Equifax. They did not contact them and use my social security number or any other identifying information other than my name which is a common name. I had to apply for a new auto loan and the interest rate is high because they believe I am a high risk due to misreporting by Equifax. I have been trying to get this resolved for over a year. This is unacceptable and I want this XXXX resolved and removed NOW. I should not have to pay high cost interest rates because someone is NOT doing their job.
Product: Mortgage

I fell behind on my mortgage payment due to lose of employment and was unable to catch up with late payments and I have attempted to get help from mortgage company but my loan switched banks several times and have n't been able to get the assistance in was hoping to get, now am employed full time and able to continue with my mortgage payment and keep my apartment
Product: Credit reporting or other personal consumer reports

I noticed inquiries on my report I did not approve
Product: Debt collection

Capital One repeatedly calls daily. Contacted family member twice regarding personal business and was not authorized. I did notify them to never contact my family member again but they continued against my instructions. They told my family they were a collection agency and wanted to speak with me regarding my debt.
Product: Credit reporting

Transunion has been advised via registered mail, phone, fax since XX/XX/XXXX, etc. that multiple hard inquiries were made using my information in the XXXX area via ID Theft. A few of the many hard inquiries which were made resulted in fraudulent accounts opened in my name. I have worked since XX/XX/XXXX to try to Restore my previously very good credit score, without success. I was unable to get a loan to refinance my debt and I have had to spend many XXXX of dollars in interest in addition to probably XXXX + hours of my time spent calling, writing, etc. etc. Now I see a new fraudulent hard inquiry was made by a company called XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I received an email stating I had applied for credit on-line on XX/XX/XXXX. I did NOT apply for a loan from this company. When I called the XXXX #, it was full of inducements to buy services from TRANSUNION!!!! 
TRANSUNION has failed to remove the fraudulent accounts and fraudulent hard inquiries that I reported between XX/XX/XXXX and XX/XX/XXXX. I am worn out and seem to take XXXX steps forward and then XXXX back. Please investigate. Help!!! Thank you!!
Product: Vehicle loan or lease

I purchased a vehicle in XXXX of XXXX and it came with a warranty as part of my financing. I traded that vehicle in XXXX of XXXX. I kept looking for how to submit to get my warranty back, the contract stated I needed to contact the dealer I purchased the car from, the dealer had no idea how to do this, I contacted Westlake Financial/Secure One by email. They asked for all my paperwork and cancelled my policy as of XX/XX/XXXX. I was to receive a pro rated refund, weeks later I had still heard nothing and when I called back they stated they had the wrong dates and had to reprocess. This happened XXXX more times, now o just get told to call a phone number and every time I speak with someone they just repeat my information but gives me no update or response and still has not sent my refund,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. As per 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to request the removal of accounts or inquiries linked to fraudulent activity or unauthorized use resulting from this breach.

The following accounts should be blocked and deleted from my credit file : Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX  XXXX XXXX... XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ... CREDIT MGMT ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are not following the laws. I showed them multiple times how they violated the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission.

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 data is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

This shouldn't be so difficult to make sure that they follow the rules. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This bureau is reporting XXXX. XXXX, XXXX as duplicate accounts which is inaccurate information being reported Do not know what this account is XXXX. XXXX XXXX Account # XXXX
Product: Debt collection

Under the Fair Credit Reporting Act, XXXX XXXX. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness A copy of the original contract or agreement with my signature A detailed ledger or account statement showing transactions and balances XXXX of any fees or interest added XXXX of ownership and chain of custody
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX XXXX XXXX # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I received loan forgiveness through the XXXX XXXX XXXX XXXX. However, Navient has continuously denied that my loans couldnt be forgiven due to this since they are private. I have sent letters and filled out discharge paperwork for schools that have closed as well. This has gone on for the past XXXX years, without any type of resolution except threats for delinquency. Prior, to my XXXX XXXX being approved for the federal loans to I was paying for the private ones. I dont believe I should still be paying a loan that XXXX wasnt needed at the time of my enrollment but due to the predatory practices of the school was taken out. XXXX. I shouldnt be paying for loans for a campus that is now closed due to those same practices. Theres no way, that a loan that originated as {$5000.00} is now over $ XXXX for schooling from XXXX ago.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, TransUnion, and XXXX regarding multiple fraudulent accounts and unauthorized inquiries appearing on my credit report due to identity theft. 
Upon reviewing my credit reports, I discovered several accounts that I did not open or authorize, including : XXXXXXXX XXXX ( Opened : XX/XX/XXXXXXXX XXXX XXXX ( Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX & XX/XX/XXXX ) Additionally, I found unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have already submitted a formal FTC Identity Theft Report ( Report Number : XXXX ). I have attached my FTC Identity Theft Report as supporting documentation. Please take prompt action to resolve this matter and provide a written confirmation once the corrections have been made.
Product: Debt collection

I noticed that there is another collection agency- Waypoint Resource Group , on my credit reports for XXXX XXXX This alleged debt was paid to XXXX a long time ago when the 1st Collection Agency had this alleged debt which was XXXX XXXX. I contacted XXXX and they charged off this account in XX/XX/XXXX. I asked for this in writing and they stated that they could not give me anything but that I or anyone else can always call and they can give this same information over the phone.I have never been contacted by Waypoint Resource Group which they are required to per the FCRA and the FDCPA. The date they are reporting is completely falsified. They are reporting to the Credit Bureaus that this account was opened on XX/XX/XXXXwhich is not correct. This may be the date that they purchased this from a different Collection Agency which is also against the FDCPA, but this is not the date that the XXXX account was opened and the date that the XXXX account was closed/charged-off is the date that the statute of limitations goes off off. XXXX said the account was opened in XX/XX/XXXXand charged off in XX/XX/XXXXwhich is 7 years ago. The incorrect date Waypoint Resource Group is reporting is making it so they can keep reporting this if its within 7 years which is fraudulent and illegal activity. I have attached a screenshot from XXXX XXXX  which gets their information from the Credit Reporting Agencies, showing that Waypoint Resource Group is reporting an incorrect date and has just reported this same info on XX/XX/XXXXso they are continuing to report this when they shouldn't.