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

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXXXX/XX/XXXX
Product: Student loan

In XXXX of 2012 I inquired about obtaining a degree in XXXX. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my counselor I wanted to possibly start in XX/XX/XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the Genesis Lending Services to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the Genesis Lending Service.
Product: Credit reporting 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. 


I told XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( 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

The credit bureaus are reporting inaccurate information on my credit regarding an alleged debt owed to the department of education. 

I have contacted all sources and I am providing proof that XXXX completed an investigation on the matter, and removed this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from XXXX   XXXX XXXX XXXX. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and Transunion on XX/XX/XXXX to file disputes. Then I contacted XXXX and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from XXXX XXXX on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted XXXX XXXX  and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

Thank you.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The three credit bureaus below has violated my rights. Equifax, XXXX and XXXX. 

this is the correct info that should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX
Product: Checking or savings account

I processed a credit card payment in the amount of {$1300.00} through a third-party processor on XX/XX/XXXX. The third-party processor credited my paypal account the same day. XXXX subsequently withheld {$980.00} of the funds. As of XX/XX/XXXX, they still have not released the funds which is well beyond Reg CC legal timeframe. Is there some reason that Paypal is not required to comply with federal regulations? The details of the transaction are as follows : XX/XX/XXXX at XXXX XXXX  CST Transaction type PayPal XXXX XXXX ID XXXX Gross amount {$1300.00} USD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 502A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   XXXX  , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all three credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   when I was trying to short sale the property that the lien was attached to .   XXXX   XXXX   XXXX    could never find the account.     Experian removed the account. Equifax updated the account as closed in  XXXX . Transunion added a second account with a different account number in   XXXX   XXXX   saying it is currently active and reporting late and a foreclosure has been initiated.     1. The title to the property was transferred   XXXX   XXXX   XXXX  hat the original lien was attached to.    2.  I do not own any property for   XXXX   XXXX   XXXX     to foreclose on.    3. This loan was sold 3 times since opening in   XXXX   ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a starter loan out at World Finance Corporation of XXXX, Tn,38401 this was around XX/XX/XXXX after getting the loan I fell on hard times and defaulted. Well after getting back on my feet i been trying to get my credit straight out. I received a letter from World Finance the beginning of XX/XX/XXXX offering me three options of paying off the loan I took the offer to pay them off as it was a small starter loan. So I payed them off on XX/XX/XXXX. I asked the manager when it would be off my credit and he said they reported monthly so around 2 months I said great. The other day trying to get a starter loan at another instutution they said they could n't cause I owed World Finance I said impossible I paid them off at the beginning of the year. I provided her my payoff receipt and got the loan but she advised me I was n't the only one that she seen World Finance do wrong she told me they reported on my credit report that I still owed them in XX/XX/XXXX But my receipt shows it being payed off in XX/XX/XXXX. I talk to World Finance Corporation XX/XX/XXXXXXXX in person and they stated that I still owed them even though my receipt shows otherwise. The lady said since I took the payoff amount that it was n't paid in full but my receipt says otherwise.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a XXXX of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00}
Product: Debt collection

A company called Portfolio Recovery Associates LLC continues to call me even though I am on the do not call list. After several calls I finally spoke with a gentleman and he said they are trying to collect a debt back XX/XX/XXXX or XX/XX/XXXX. Not exactly sure. I informed him that if the calls did n't stop I would be contacting the Federal Trade Commision to file a complaint. He responded that I would have to send a certified letter stating I want the calls to stop. The calls did stop for about a week but they are back to calling again. I receive about one call, sometimes two a week from different numbers, the last number was just today from XXXX from XXXX Tn. The only way I can see them refraining from the continuous phone calls which are on my cell phone is to seek help from your company. Thank you,
Product: Credit reporting

This account is told old to be on my file date of last payment was XXXX XXXX XXXX is trying to use the date of first major delinquency as my last date of payment with is incorrect to prolong this account on my credit report and on XXXX XXXX has now change my first date of delinquency on my account to XXXX XXXX which is incorrect XXXX is reporting false and incorrect information to my credit report this account should be deleted for my report it has been seven years now
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX 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 don't have no written premission 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 information 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

XX/XX/2022 I want to make a formal complaint about a pending charge placed on my credit card by Walmart. The pending charge of {$54.00} was placed was on my card XX/XX/2022. When I added items to my existing online order in the amount of {$10.00} pre-tax, Walmart placed a pending charge of {$54.00}. I was upset and phoned Walmart billing at XXXX and asked the representative why I had been charged {$54.00} when the added items were only {$10.00} pre-tax? She told me not to worry because the {$54.00} charge will fall off my credit card bill once the order has been delivered and I would not have to pay the {$54.00}. I told the Walmart representative that I was upset because Walmart had no right to place a pending charge of {$54.00} on my credit card when the additional items I purchased totalled {$10.00} pre -tax. I feel as if Walmart is stealing my money by placing a temporary hold greater than the amount of my purchase. The Walmart representative simply stated that she could NOT remove the pending charge of {$54.00}. I want the {$54.00} removed and the {$10.00} plus tax added to my credit card to reflect the correct pending charge.
Product: Money transfer, virtual currency, or money service

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I sold {$63.00} worth of $ XXXX to pay for a haircut. Ive never had a problem buying or selling crypto in the past with the company CoinMe but for the last month Ive been trying to obtain my {$60.00} from their ATMs and they have refused to help. They opened a case about my issue but have not responded in adequate time. They also dont have a phone number where customers can reach out to which I think is on purpose because they previously had a number. The CEO is unreachable and Im starting to think this company is a scam they were using the XXXX XXXX XXXX  on their ATMs and they switched to XXXX ever since they switched to XXXX these problems have occurred. I live two blocks away from two XXXX XXXX and neither of them work which means I have no clue which XXXX  XXXX  in my area works and the next one is almost XXXX miles away. 

The process for selling your crypto and picking up your money should be as fast as buying it. Im still waiting for them to release my money.
Product: Vehicle loan or lease

IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS 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 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR LOAN ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Credit reporting

I was unable to register for creditkarma unless I used my married name. I have been divorced for several years and I was n't even married long enough to need to legally change my name. There is also an address on my credit report that does n't even exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is continuously reporting false information. 
I have 3 accounts in collections that are PIAD and CLOSED XXXX  and XXXX  have removed these accounts XX/XX/2020 I have summitted 6 DISPUTES about these accounts and EQUIFAX continues to report incorrectly. 
I have contacted the collections agencies and they said they are reporting the accounts as closed and paid and do not understand why EQUIFAX is not reporting correctly. 

I have called and spoken to 4 different agents at EQUIFAX all whom tell me to dispute again. 
My score is being severely affected and they are purposely reporting incorrectly.
Product: Credit reporting or other personal consumer reports

In accordance to Fair Credit Reporting Act, this creditor, Synchrony Care XXXX XXXX has violated my rights under 15USC1681-SECTION 602 which states that I have the right to privacy.

Under 15USC1681-604A SECTION 2, it states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC1666B it also states a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

For these reasons, I am requesting the late payments be removed from my credit report across all XXXX bureaus.
Product: Student loan

Navient ( formally XXXX XXXX ) is a nightmare of a company to work with. When I first signed up with them back in XX/XX/XXXX, i was told that I would be eligible for a payment plan after i was done with school and the grace period had ended. After my Graduation in XX/XX/XXXX, I was then told I was INELIGBLE for any of their payment plans. I was a new college grad, still looking for work, and I was being billed {$700.00} for my first payment. I tried to tell them I was unable to pay that much, and was told there was nothing they could do. I was only able to make {$430.00} dollars out of the {$700.00} after taking up private work commissions to help make the money. My next bill was almost {$900.00}. due to the late fees, interest, and the new bill. 

I called crying, telling them I was an XXXX for hire ( considered unemployed as i did not meet the requirements ), looking to additional work and unable to make such large payments so fresh out of college. I was against told I was ineligible for the payment plans they offered. I was offered some payment plan I never saw advertised that required me to pay {$120.00} for the first XXXX months and then would be {$370.00} thereafter. I took it, but that still proved too difficult, Since they had split my loans between XXXX sides. XXXX having XXXX and Navient with the others. I was told that If I missed even XXXX payment, the plan was then null and voided. I unfortunately fell on financial problems. Despite paying the loan the next day once I received the money, i believe i was taken off the program, and my payments are once again on the rise past what I can manage. 
I was never informed I could ask them to allocate each payment. I was never told that i could relieve my co-signer, they have lied to me about being able to receive and affordable payment plan, and despite my informing them several times about my unemployment, they have chose to ignore it and keep raising my payments. I no longer know what to do as I feel i have exhausted all options.
Product: Credit reporting

After several attempts to get my annual free report I was finally able to access the Experian url I received in the US mail that would offer the report. After entering their " secret special questions '' I was denied my report again and there was an option to send them money OR re-submit, again a request by mail. I want my free report.Is there anybody to enforce this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Company wasnt given written consent to share my information with employers. please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent out a Copple of letters The Credit bureaus stated XXXX XXXX XXXX  Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX Account # XXXX XXXX, XXXX XXXX Account # : XXXX, XXXX INDIGO : Account # XXXX, XXXX : Account # : XXXX, XXXX  : Account # : XXXX, XXXX XXXX XXXX Account # : XXXX. 
Was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
This is grounds for removal. 

They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I havent given this account written permission to furnish this account on my credit report.