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

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Five hard inquired was also placed on my credit report that Im asking to be removed as well. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have items passed on that should be taken out or removed. 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 XXXXXX/XX/year>
Product: Debt collection

I recently requested a copy of my consumer credit report and I discovered that this creditor was reporting a debt that I do not owe. I researched this debt which was linked to residential address that I am in no way associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I check my credit report on XX/XX/2022 and noticed multiple unauthorized inquiries, which was shocking. I sent in a letter the same day and haven't heard anything back.
Product: Credit card

Capital one made pay XXXX for a credit card then when credit got down XXXXthe capital one company did not XXXX mt reopen or use card. Credit not availablewhen they told XXXX dollars would be availlable. Captial one stole XXXX from me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried endlessly to get this ridiculous inept bureau to understand plain simple XXXX. It appears they're having problems understanding what they've done wrong and keep doing wrong. The issue is I complain, they don't fix the problem, then lie to you stating they did, then send me doctored paperwork to prove they've done something they never did but made worse! When I ran my credit on XX/XX/21 I have clear evidence they did not fix the problems! It's becoming more annoying than I can tell you. That's why I keep bringing the problem to you. They don't hear me and that's really a problem to me. I've had more problems with this bureau than the other 2! 

1. XXXX # XXXX - once again, I NEVER disputed this account. The account is accurate, why would I? They are the only bureau that did not correct it by removing that dispute language. The account is with the Borrower Defense Div. so tell me what I'm disputing with the bureau? Nothing! They need to remove that language NOW! They " assumed '' that and now are not understanding why they need to correct it. I just don't get why they put this on here in the first place. So it seems it's not creditors making the errors, it's continually the bureaus! Remove the language now!
Product: Credit reporting or other personal consumer reports

There were unauthorized inquiries on XXXX, XXXX XXXX and Equifax. XXXX XXXX dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX dates are XX/XX/XXXX Times three on the same day. XXXX XXXX dates are XX/XX/XXXX, XXXX XXXX XXXX dates are XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is an account that was involved in Identity Theft and needs to be removed from my Experian Credit Report. Experian keeps using stall tactics stating they need my authorization when they have received all of my indentification and id theft reports. Experian states that I am a third party when I am the actual individual that is making the complaint.
Product: Debt collection

FIRSTPOINT COLL RESO Ive settled this account in full over a year ago XX/XX/22. Ive tried to contact this agency several times with no answer. Why is this still reporting on my XXXX credit report? This should have been removed within 30-45 days after payment was made or received. Even on the report it says the count was paid in full however, its still reporting negatively and inaccurately as a collection account as active but paid off? Please remove this from my XXXX credit report immediately. I have tried to contact the company countless times with no answer at XXXX Ive also reached out for an explanation via mail and still no response or answer over a YEAR!!!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted this company to inform them that their reporting was incorrect. I left several messages, but they did not respond. 

The overall balance was {$11000.00}. The credit report shows that the account rating is paid, but the creditor remarks show the account has been closed due to inactivity. 


The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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

On XX/XX/2018 I was alerted by XXXX, XXXX and XXXX that Commonwealth placed a collection on my credit file. I have had no notification from this company at all regarding this debt. Therefore I have disputed this as a fraudulent account. Also I have no signed contract with this company stating that I owe them.. No signature can be provided.
Product: Debt collection

I have received collections attempts from 5 different companies in the past year. I have been unemployed or underemployed  since XXXX and this latest company has increased the loan by almost $ XXXX in the last 6 months. I dont know how to deal with these companies because even when I was able to afford to pay them the amount of money owed never seemed to reduce. In fact, it just seemed to increase every time it switched hands. The original loan with XXXX XXXX  was for {$8600.00}, today I owe {$7200.00} according to American Coradius International LLC. According to XXXX, XXXX and XXXX XXXX, XXXX, I paid appx {$8500.00} between XXXX on this loan. However in a packet from them dated XX/XX/XXXX, I found out via a note disclosure statement dated XX/XX/XXXX that my loan was actually for {$22000.00} which I did not know and if I had known, I wouldve never agreed to it. This was for a 6 month, 2 night a week XXXX course that promised job placement, ongoing use of facilities and equipment and ongoing education. Not only did XXXX  XXXX XXXX XXXX not fulfill their part of the agreement, they closed without notice 3 years after I attended the course. When I attended the school they had 44 locations, a very big selling point. They currently operate in only 6 cities. Additionally, I accepted this loan with the understanding it was a student loan to an accredited school. It was XXXX-certified to operate in XXXX  from XX/XX/XXXX to XX/XX/XXXX. The school had an admissions set up just like a XXXX college and I was very young/naive to believe it was legitimate. I come from a family with very little money, my mother and I didnt know or understand that we were entering a contract for an unsecured personal loan or how badly that would come to affect both of our lives and credit scores. Additionally, I do not understand how a business was allowed to operate as a state recognized school but is not listed in your database for schools nationwide. 

When CFPB attempted to reach out to the XXXX XXXX XXXX XXXX in regards to the debt, they had no information on the debt and seem to be operating under a new name. Please see their response : Company 's Response To CFPB RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case No. : XXXX XXXX XXXX XXXX File  No. : XXXX CFPB No. : XXXX Our office is in receipt of the complaint by XXXX XXXX dated XX/XX/XXXX. This matter does not appear to involve our firm. XXXX XXXX XXXX ( XXXX XXXX XXXX ) believes this Complaint was submitted to us in error as XXXX XXXX XXXX does not have any matters pertaining to XXXX XXXX. We are unable to determine the company to which the consumer intended to deliver this Complaint. This matter has been closed in our office because we are not the company listed in the Complaint and this consumers file does not belong to us. Please forward the Complaint to the appropriate third party. If there are any questions or comments, all future correspondence should be sent to : XXXX XXXX XXXX | Consumer Affairs XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX Office : XXXX|Fax : XXXX Email : XXXX Very Truly Yours, XXXX & XXXX XXXX XXXX XXXX , XXXX . XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone use my information to obtain a car loan with XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

No compliance to my needs for their mistakes to my report and no remorse for my situation and financial hardship compensation agreement offer for letting One main financial company be on my report after it was deleted and the embarrassment they caused with my name and respect in the credit world.Even though they deleted the account that supposed to have been deleted and never ever appear nowhere near my file they allowed them access to my files .I don't deserve to be ignored even if a lawsuit has to be filed
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus still have fraudulent account information showing which results in a low 500 credit score my family has been devastated and my credit ruined. 

Usaa, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX along with countless inquiries for credit still show on my reports since the breech in 2017. Some will come off for a month or two only resurface. I have spent countless hours and am in despair at this point. My life and credit need to be restored and I need help. 

Thank you
Product: Payday loan, title loan, or personal loan

I visited this website on XX/XX/2019 to see about an online payday loan. Upon entering my information the loan was shown as only being available for {$250.00} and I choose not to proceed and closed out of the website, however I received an email and text message that my loan was approved for {$600.00} and the company has stated they have my signature but I adamantly would not have taken a payday loan for {$250.00} and was not emailed nor given any information regarding {$600.00}. At this time I have had to contact my bank in order to make sure that this loan is not funded and this company does not have any further access to my account. Upon my call to the company the woman proceeded to remind me that I did this, this is a 600 % interest rate which should be illegal and I did not want this at all. I have contacted my bank and made sure to get this money stopped from being deposited but I do not trust that this company will not try again or that they aren't using other lenders as their documents show different names : XXXX XXXX XXXX XXXX XXXX or Leap Credit or XXXX XXXX XXXX XXXX XXXX. I also do not see ANYWHERE where I signed anything or even entered my initials.
Product: Payday loan, title loan, personal loan, or advance loan

The loan number listed on my credit reports is XXXX and the last four of my social security number is XXXX. I have been looking at my credit reports over the last few months and I have noticed Sun Loan is reporting inaccurate information on my credit reports. Sun Loan is showing this account charged off and the amount increases every month but yet and still they showed this account sold to a company called XXXX. How is Sun Loan able to continously show a different amount every month abd they don't own the account. Also, it shows on their website a {$400.00} balance. Fair Credit Reporting Act ( FCRA ) is laws to protect consumers from inaccurate credit reporting and Sun Loan is reporting inaccurate information. I am a litigious consuer and will not hesisitate to file a lawsuit for violations of the Federal Credit Reporting Act. Please remove this inaccurate tradeline from my credit reports.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was a temporary glitch, but the errors remained. Due to this issue, I kindly request a thorough review of the documents Ive provided so that I wont have to deal with this concern again.
Product: Credit reporting or other personal consumer reports

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

Account name XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, XXXX and Transunion ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted XXXX   XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, Transunion and XXXX file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a follow up CFPB complaint as to make sure the XXXX and TRANSUNION Credit Bureaus, under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove these items which are found to be opened due to identity theft. And I am just doing a double assurance so that the mentioned Credit Bureaus will REMOVE THE LISTED ITEMS in this complaint. Im re-attaching the required FTC Report for you and personal documents ( learned through more research both parties require ) in this follow up complaint. Please remove these files. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Here are the items I need the XXXX and TransUnion Bureaus to REMOVE : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$11000.00} TRANSUNION : XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

To It May Concern ; I had An incident where someone broke in my house, ever since that happen my identity has been used by an unknow source. these Accounts are Related to Fraud. I did not Authorize these Account. 
Attached is the police Report of what happen at my home
Product: Credit reporting or other personal consumer reports

They are continuing to report fraudulent information even after being notified.I am a victim of rights due to prior rental and been denied for housing. 
A freeze was on my account and it wasn't lock. My profile was never frozen
Product: Mortgage

I have requested for the Original Mortgage Note & service agreement from the original note holder.Original Promissory Note & " Chain of Custody '' of the Promissory Note.By law i have rights to all " ORIGINAL " documents
Product: Student loan

I applied on StudentAid.gov in XX/XX/XXXX for the XXXX application. I kept checking Mohela 's page but it just said " processing ''. When I called on XX/XX/XXXX the woman I spoke with told me there was an issue with the application so she started a new application with me and then filled out the request to pause upcoming payments until the SAVE application had been processed. That call was almost two hours before I was able to speak to her. On XX/XX/XXXX I called Mohela again because I received a letter stating I owed {$400.00} on XX/XX/XXXX. After XXXX hours and XXXX minutes on hold I spoke with a trainee who told me the SAVE application still hadn't been processed and a forbearance application was never processed either. She told me she couldn't help me and wanted to put me back in the queue to wait to talk to someone who could. I requested a supervisor, after 35 minutes she said she couldn't get a supervisor. After a lot of back and forth between us she found a customer advocate who processed the forbearance. As of today, XXXX, I still have not received anything about my SAVE application. It's very distressing and frightening to work with Mohela. I wish I had a different loan servicer. My XXXX has been so high for the last few months because of them. Please help. No one else will.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 U.S.C. 1681- Account name : XXXX Acct # XXXX has violated my rights Account name : XXXX XXXX XXXX Acct # XXXX has violated my rights Account name XXXX XXXX Account # XXXX has violated my rights Account name : XXXX XXXX Acct # XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX has violated my rights Account name XXXX XXXX XXXX Account # XXXX has violated my rights Account name : XXXX  XXXX Accnt # XXXX has violated my rights Account name XXXX  XXXX Accnt # XXXX has violated my rights Account name XXXX  XXXX XXXX Account # XXXX XXXX has violated my rights Account name XXXX XXXXXXXX XXXX Account XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602A ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


15 U.S.C. 1681Section 604A section 2 ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; 15 U.S.C. 1681c ( a ) ( 5 ) a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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