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

I am writing to submit a formal complaint regarding the inaccurate information on my credit report, which I previously reported to Equifax on XX/XX/XXXX. Despite my initial contact, Equifax has not responded to address the following issues. Please assist me in resolving these discrepancies and ensuring compliance with federal law. 

( XXXX XXXX, Date Opened : XXXX XXXX, XXXX I disagree with the reported balance of {$420.00} for the XXXX XXXX account as I recall the amount being lower. I request Equifax to delete the information regarding the past due amount, as this account is closed and charged-off. To safeguard the accuracy of my credit score, I urge Equifax to mark this account as disputed. ) ( XXXX, Date Opened : XX/XX/XXXX, The reported balance of {$3700.00} for the XXXX account is incorrect and has caused significant harm to my credit reputation. I remember the balance being lower. I request Equifax to review and revise the past due information since it is inaccurate to present a past due amount for a closed and charged-off account. This erroneous reporting has likely contributed to a decline in my credit score. Consequently, I need to reach an agreement with my creditor to rectify the incorrect data. I ask Equifax to mark this account as disputed to prevent further negative impact on my credit score. ) ( XXXX XXXX XXXX, Date Opened : XXXX XXXX, XXXX, The information presented on the XXXX XXXX XXXXXXXX account requires investigation. While I am aware that the original creditor is XXXXXXXX XXXX, I have not received any communication from XXXXXXXX XXXX XXXX. The reported balance of {$520.00} is inflated and inaccurate. I do not recognize this amount, and I believe I owe a lower balance. Due to these inaccuracies, I dispute the entire account and insist that Equifax verify the following dates : Date Opened and Date of First Delinquency. ) ( XXXX XXXX, Date Opened : XXXX XXXX, XXXX, The reported balance of {$10000.00} for the XXXX XXXX account is incorrect and has caused significant harm to my credit reputation. The balance provided does not correspond to the lower amount that I recall. I request Equifax to review and revise the past due information, as it is inaccurate to present a past due amount for a closed and charged-off account. This erroneous reporting has likely contributed to a decline in my credit score. Consequently, I need to reach an agreement with my creditor to rectify the incorrect data. I ask Equifax to mark this account as disputed to prevent further negative impact on my credit score. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Un fair credit reporting, cyber crime, identity theft, loss of principal, loss of work, loss of credibility, loss of accounts, extremely hard to feed my family.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are a violation of 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am reporting these two companies called as : CREDENCE RESOURCE MANAGE and XXXX XXXX XXXX  for the abuse of placing on my credit report a deceiving information that I am owning some money to pay in the amount of {$2200.00} when this charges were fixed and settled by their own presidential managers 3 years ago. I used to have this account and every time when I used to go out of the country my bill was over XXXX of dollars for internationally roaming charges. Therefore, I had reported to XXXX XXXX XXXX as fraudulent action that XXXX XXXX has taken to get money from people like myself. XXXX  contacted and submitted my complaint to XXXX XXXX  and some XXXX which I dont remember his name handled this mistake since it was not my fault. I was told at the time that my account shows {$0.00} balance and will be removed any damages. However, this CREDENCE RESOURCE MANAGE do not understand it and refused to take it out of my credit report. XXXX XXXX  should have records of their mistakes and complaints from XXXX on file against them, why are they not revising that?.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( U.S.C. U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, 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 a personal credit card account opened at XXXX XXXX with a balance of XXXX XXXX This account has resulted in several fraudulent hard inquiries on my consumer credit report. I have attached a screenshot of the consumer credit report maintained by you all, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you all were not opened, made, or initiated by me. 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 of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I also attached a copy of the police report filed with the XXXX Police Department and a copy of my state issued IDENTIFICATION CARD.
Product: Credit card

Hello...... I have inaccurate information details on my XXXX bearus which I only have accurate information form XXXX and I can't able to apply for credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquires I do not recognize : XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXXXX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XXXXI XX/XX/2022 - XXXX  XXXX XXXX  XXXX XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXX  XXXX
Product: Credit card or prepaid card

I XXXX XXXX received a credit card in the mail that I did not apply for. The credit card is a Chase Slate card that was fraudulently opened in both mine and my wife, XXXX XXXX name. I then proceeded to call Chase at XXXX on XX/XX/2019 at XXXX AM XXXX. I spoke to XXXX who falsely told me I opened the card on XX/XX/XXXX. 

My concern is as to why this credit card was fraudulently opened in my and my wifes name. Furthermore the bank keeps on insisting I opened the card even though they lack proper documentation. 

I need assistance in terminating this fraudulent card and removing this fraudulent card from my and my wifes financial and credit history. 

Thank you for your efforts on my behalf. 

XXXX XXXX XXXX
Product: Debt or credit management

I had contested my student loan debt multiple times in the year XXXX. In XXXX, XXXX  I recieved a judgment 100 % discharging my student loans thru bankruptcy. Each time I disputed, none of the agencies,,, XXXXNelnet XXXX XXXX XXXX or XXXX XXXX did their duty to investigate my claim... .it turned out that I became aware in XX/XX/year> that the Dept. Of Education neglected to notify Nelnet that I had won this judgment and that it was discharged. So I had been challenging over and over only to be told the amount reported was correct when it clearly was not correct and had any of these companies had done their duty to investigate I could have had this resolved and removed months ago. I would like someone to contact me to see what my options are regarding holding these bureaus accountable for neglecting and overlooking their duty to investigate ... .this is currently in litigation again... I am asking the Court to hold Dept. Of Ed in contempt for neglecting to report the XXXX balance to Nelnet once I won judgment.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 received my credit reports, and after carefully reviewing them, I discovered inaccuracies that I would want to have investigated into. In order to exercise my rights under 15 USC Section 1681i ( Procedures in case of disputed correctness ), I am writing this letter.

1. Reporting multiple discrepancies among bureaus and falsely stating I lived at addresses I never resided at below are the incorrect addresses that need to be removed asap. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These Fraudulent addresses are connected to Fraudulent accounts XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also have a few inquiries that a fraudulent and have been listed on my credit report this information is provided below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DO NO PLACE ANY EXTENDED FRAUD ALERT OR FREEZES ON ANY ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry NAVY FCU XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 I did not apply to either company.
Product: Bank account or service

Safety and Security Alert! Is your bank or business telecom safe, secure, and socially responsible? Many banks and businesses have outdated, insecure, and unsafe telecom identifications systems that require remedial change, or innovative improvement. Please watch the following urgent video : XXXX and read the Safe Call report XXXX
Product: Money transfer, virtual currency, or money service

Zelle fine print misleading with no customer recourse
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 USC1681. 
Account # XXXX, Account # XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX 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 1681i 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 the 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 1681 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: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report.
Product: Student loan

On XX/XX/2023 I filed for my Teacher Loan Forgiveness Program ( TLFP ). I clearly met all of the criteria. After 10 days of no contact from EdFinancial, I attempted to call them regarding the status of my application and requested a call back due to high call volume. No call was returned at any point to me. I used their online portal to send them an email, which neither sends a confirmation email or gives me a copy of my email. After 8 more days ( 18 days total ), they finally contacted me informed me they declined my paperwork for a pointless document error that was answered later in the document and never contacted me in any way about the rejection. The same day ( XX/XX/XXXX ) I resubmitted my TLFP paperwork with the error fixed. About a week later, I received a letter via snail mail of receipt of my application for loan forgiveness. 

I contacted them again around XX/XX/XXXX regarding the status of my paperwork using their online email portal, which ( again ) provides no copy of my inquiry or notification of receipt. It took them until XX/XX/XXXX ( 22 days ) to respond to my inquiry where they claimed I had already spoken to a representative and would provide no further update. I had not contacted or been contacted by EdFinancial in any capacity between my inquiry and this response. I immediately used their online contact portal to explain my frustration and get the status of my loan forgiveness program. As of writing, an additional 21 days, I have not been contacted in any capacity by EdFinancial regarding the status of my TLFP application. When I call their customer service line, I'm put on hold only to it eventually hang up on me. When I request a call back, no one calls me. That's when they aren't closed at XXXX XXXX  and aren't open on the weekends. In order to sit on hold, I would now need to take time off of work at my expense to speak to a CSR regarding inquiries they have had significantly longer than a month to respond to.

Meanwhile, EdFinancial has been compounding interest daily on a loan balance that a ) qualifies for loan forgiveness and b ) received an application for loan forgiveness before the first date of compounding. They do not respond to calls. They do not respond to emails. They do not allow the use of their online chat function. It is not possible to contact my loan servicer and they continue to compound interest on a loan balance that should have been terminated months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in battle with a collection agency XXXX XXXX they trying to collect XXXX for an online school I was released from after I found out they lied about the schools accreditation and I found out because of that I will not be able to get a job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, I was sent payment presentments via mail and/or via online bill PDF printable billing statements. In response to the presentments sent from the companies, I mailed in my coupons at the bottom of each presentment with the back signed with my beneficiary signature. I then received letters back denying my negotiable instrument/coupons. Shortly after, these companies started negatively reporting on my credit and this has drastically impacted my credit scores. Please note I have sent conditional offers requesting discovery in order to validate the debt the company has alleged I owe and the company is in noncompliance and has yet to send the information requested to validate the debt. My letters and affidavits notarized has been sent requiring companies to rebut by counter affidavit point by point. In addition to validating the debt alleged I owe, the company has been unable to provide a signed contract between me and the corporation via XXXX wet ink signatures as there needs to be XXXX wet ink signatures ( a corporation can not sign a contract because they are soul-less entities and NO third party can sign for a corporation according to the law. Additional, when I submitted a dispute on the companies, the credit bureaus completed their investigation and said the claims the companies alleged against me were valid. On what ground were the claims valid? Because the companies have not provided proof of any actually agreement/contract with XXXX wet ink signatures, nor have they rebutted my notarized witnessed and signed affidavit countering point by point. A copy of a contract not signed by XXXX wet ink signatures are not proof/valid claims of a contract. The lawful terms and conditions are based on fraud, therefore I am forced to use my compelled benefits of having all debts discharged pursuant to the Uniform Commercial Code and pursuant to HJR 192. Please note noncompliance of my letters sent to the companies alleging I have a debt with them violates FCRA section 623 ( a ) ( 3 ) responsibilities of furnishers of information to consumer reporting agencies { 15 USC 1681s-2 }. According to FCRA 609 ( c ) ( 2 ) ( E ) states " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified, '' WHICH IN THIS CASE, the alleged debt is unverifiable for many of the reasons above and much more. Please note verification of debt and validation of debt are two total separate things. Please note, I am contacting you to make a complaint and I am hoping that we can work together to get this resolved quickly as the extreme decrease of my credit scores have damaged every part of my life mentally, physically, emotionally as well as caused hardship etc etc etc. I would really appreciate your attention towards this matter/complaint immediately due to how this has negatively impacted me and my circumstances unfairly and unlawfully.
Product: Student loan

Hello, The reason I am writing is due to not receiving timely updates from my loan servicer, MOHELA, regarding XXXX XXXX XXXX XXXX documents I continue to upload for the Dept of XXXX. I resubmitted my XXXX XXXX multiple times, after learning that there was missing information on XX/XX/XXXX. It was resubmitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been in the XXXX program for a number of years now, and have uploaded the same Employment Certification many times, but never had issues with " missing information '' when XXXX serviced the loans. Since the loans have been turned over to MOHELA, I am unable to receive any updates or information about my XXXX  qualifying payment count. 

MOHELA continues to provide this same response, but no further information : " As of this writing our records indicate that we received your XXXX  applications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. We will continue to process your manually submitted XXXX form using the date an authorized official from your employer signed your XXXX  form. To receive benefits of the limited XXXX  waiver, the employer 's signature and date on your XXXX  form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. '' When I last spoke to a MOHELA representative, they told me to reach out and check on my qualifying payments IF my Employment Recertification was not processed by XXXX. I messaged MOHELA today because if I call, it gets me nowhere ( same lack of info from the representatives ) but I do spend A LOT of time waiting on the phone.So after months of waiting, I still do not know what my current XXXX  count is. The XXXX count is critical to planning for my future career move, so it is urgent that I receive the most up to date count as soon as possible.
Product: Credit card

I have a Quick Silver Capital One credit card that was opened after being marketed to and told that this card is international friendly. I have been having issues completing purchases online as their system does not successfully send me the XXXX codes, which were previously XXXX after a prior complaint. Other reputable systems allow for a phone call to receive, however their reps have been rude and dismissive, most recently on XX/XX/2023, when i called to let them know about the reoccurence of the issue ( which seems to occur after paying my bill in full or over the amount ) After informing an agent in the fraud protection dept that i was overseas and as such the XXXX was a bit much given that I could not be expected to have access to my local number at all times, he transferred me to an unrelated dept. I also informed every agent i spoke to of how this issue was previously resolved, they refused to assist. I finally spoke with a supervisor in Fraud protection who also refused to assist.

I am alone internationally and had it not been for some local currency cushion which is not meant to be spent in this way, i would have been unable to eat. 
Please note also, that there are only XXXX types of charges on this card on an ongoing basis. Food delivery and XXXX. There was no reason to flag my account. 
Logs of my calls can be found in their system on XX/XX/XXXX, XXXX and XX/XX/2023. 
The first 2 times my issue was resolved and my transactions required no XXXX untill i over paid my bill on the XXXX of XXXX, resuming the issue. 
I smell an analyst.