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

To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on XXXX. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : 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. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history XXXX XXXX XXXX XXXX XXXXXXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.
Product: Credit reporting or other personal consumer reports

This is my filling complaint to the SOUTHWEST RECOVERY SERVICE since I was never been informed about this account and for allowing the fraudulent account and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, alongside with this complaint is the identity theft report number XXXX.They allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report the fraudulent account still reflected on my credit report, This demand letter of deletion should be taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Student loan

Checked my credit report on XX/XX/XXXX and Navient was reporting on a student loan Ive never had with them. They recently started to report on my loans who were with XXXX and now XXXX yet they have hit my credit horrible and my student loans are from XXXX they could not have been my services ever and I want this information removed. 
I have a credit attorney working on this and they have never been able to provide documentation and kept reporting till XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems report shows Certegy reporting a returned check, payee XXXX XXXX XXXX  written XX/XX/XXXX.  Check has been PAID IN FULL and should be removed from reporting.
Product: Debt collection

After searching more for XXXX XXXX, they don't even exist anymore. A representative for XXXX XXXX at XXXX has stated that XXXX XXXX doesn't operate anymore. National Recovery Agency is trying to collect on something that doesn't exist as the representative also said that any XXXX XXXX were XXXX balanced out. If National Recovery Agency can't produce the orginal documents for the " alleged '' loan with XXXX to validate, then they must stop collecting and remove the file from the credit reports.
Product: Debt or credit management

On last week I had visited the PNC Branch @ XXXX XXXX XXXX XXXX XXXX Pa XXXX. And I requested copies of my Bank Statements in reference to my Checking Account. And the XXXX XXXX Bank Teller to whom wasnt even serving me stated this was too much work. Then the Teller to whom supposedly had been serving me thought this matter was a joke. And to this day I never received the Bank Statements
Product: Debt collection

15 USC 1681 Section 602 States I have the right to privacy.

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

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report ; 936 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. IM DEMANDING THAT YOU UPDATE THIS ACCOUNT TO PAID AS AGREED/NEVER LATE THANK YOU IN ADVANCE.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XXXX of 2024 I was Contacted by titlemax in XXXX multiple times back to back regarding a payment reminder. They contacted me XXXX times in XXXX day to harass me about my payment that wasnt even due at the time. I asked Them to stop calling, texting and emailing. The following month in XXXX they reached out XXXX about a payment that wasnt due. When I asked why they are contacting me, they hung up and will not answer my calls. Everytime I did Get through they would end the call ( each time it was a female ) I filed a complaint and never heard anything. 

XXXX I reached out about my account and my options as far as giving the car back and the steps, XXXX didnt like my questions and hung up on me. I called And filed another complaint with the company and their solution was to put me back in the Que to call the XXXX store again. I contaxted The store and supervisor XXXX answered and he assisted but then told me there was a store manager but he didnt know his name. XXXX Said he was the store supervisor and when I asked Him how he didnt have that information he said he couldnt give me information on people he didnt know. I asked For their store manger name. They put me in hold and the call disconnected.. I called The XXXX location and they told me the stores manager was XXXX. They are extremely unprofessional and I cant Seem to get assistance without them just hanging up due to my questions. The cooperate line has stated they cant help me with my account only complaints. At this time no one will help me and Im super upset.

Also included how many times Ive called today to get these answers because thats what cooperate said
Product: Credit reporting

I check my credit back in XXXX and I did n't have any hard inquiries on my credit report and then I logged in XXXX XXXX and now there back on there. I called About them and they would n't remove them and I told them I have n't received anything in writing saying they was putting them back on there. Please help
Product: Credit reporting or other personal consumer reports

I disputed with Experian that they have on my credit report information that they acquired legally and not thru the court. I have XXXX dismissals of bankruptsy appearing on my credit report of information that was not provided to them by the court. They obviously didn't aquire this thru the court but still managed to make bankruptsy dismissals appear on my credit report and it's keeping me from getting loans and heloc to fix my home..please help me so they remove that information from the credit report ... The court has sent me a letter stating that they did not report to Experian, and I sent it to experian, but they still will not remove the XXXX dismissals from appearing on my credit report.. 

This is the letter that I sent Experian : I have previously disputed ( Public records of Bankruptsy dismissal Reference # XXXX on XX/XX/year> with you and in responce, you verified the item as accurate, stating that you have verified the information with the court. 
I contacted the court, and their responce is enclosed. 
It is clear they do not report to you or any credit bureaus for that matter, therefore, your innitial responce verified the item with the court was either an error or a lie. 
Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ), and the information must be deleted immediately. 

Sincerely XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ''
Product: Credit card or prepaid card

Hey there, Reference # for this case : XXXX. I tried to reach out to US customer service but was transferring to oversea call center, and no one could really help. 

I received a target offer in my business mail to apply AMEX platinum business card and applied at XX/XX/XXXX. It was not instant approved and I called the next day for review. During the review process, I explained my company is a single member LLC ( liability limited company ), and I chose company structure to be " sole proprietor '' so the tax ID is the same as my personal SSN. However, the rep ( XXXX call center ) told me LLC should be a " corporation '' instead of " sole proprietor '' so he changed that and approved the card. 

Not long after I received the card and found I can't activate the card due to " corporation '' required a separated tax ID, and the only solution I was offered is to cancel and re-apply. However, there will not be target offer to reapply the same card. I was on the phone for this issues multiple times and could not even get a US personnel on this. In short, my credit card application was XXXX  by AMEX representative. Benefit lost and time wasted and no one taking responsibility. I am with AMEX since XX/XX/XXXXand I demand an answer to this matter. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. 

XXXX XXXX XXXX {$1000.00} Opened XX/XX/year> XXXX
Product: Mortgage

I am trying to close out my loan pay in full can't get no answers from no one XXXX sold loan to sps stating XXXX was investor XXXX false sps states they are investors false XXXX  say XXXX XXXX last investors false go back sps csr say we don't buy loans we not bank we service loan only I say you didn't get memo check my record they say oh I guess you right I don't understand because it all deception still coming from XXXX I signed XXXX XX/XX/XXXX MY ANNIVERSARY WAS XXXX XXXX XXXX FROM DATE OF XXXX  NOT HAMP MOD DATE THE INCENTIVES WERE BASED ON XXXX  AGREEMENT XXXX SHOULD HAVE REACH OUT XXXX  AND CONFIRMED MY ELIGIBLE AND GAVE ME DOCS TO SIGN INSTEAD THEY BREECHED AND I BEEN FIGHT 2YR FIND OUT IF MY NUMBER WERE OUT HAMP REQUIREMENTS 22 % NEVER SHOULD HAVE OFFERED ME HAMP OF DECEPTION NOW I WANT OUT SO I CAN GET SUE XXXX GET MY OVERPAY BACK I PAID INTEREST FOR 27YRS ON 30YR FIXED LOAN AND I HAVE SECOND LIEN RECOREDED THAT DONT EXIST I HAVE TO PAY FIRST THEN WHEN I GET MY TITLE I GONE PROVE HOW XXXX USED A LOST NOTE AFFIDAVIT SIGNED BY HIGH SCHOOL STUDENT ALONG WITH OTHER TACTICS TO STEAL MY HOME OF 32YRS NO DEFAULT XXXX ONLY HAVE LETTER XXXX SAY UNDERSTATED DEFAULT XXXX WAS XX/XX/XXXX TOLD TO PAY ONLY XXXX  BY XX/XX/XXXX YOU ARE ISSUING A 1486 DEFAULT YOU MADE UP SO I QUALIFY FOR HAMP THEN XX/XX/XXXX YOU CLAIM I OWE 999 AND 458 ADVANCE CORP FEE FIRST THING YOU TOOK WHEN MOD BECAME PERMANENT SO I WILL PAY ALL IF YOU INSIST BUT YOU WONT GET AWAY WITH THE DECEIPT I TRY GET YOU WORK WITH ME BUT DID NOT WORK OKAY FOR XXXX TO FABRICATE AMOUNT OWED BUT I GUILTY FOR THE SIGN SO MUCH FOR THE WHITE COLLAR CRIME EVERYTIME I PROVE WHAT XXXX DID I GET NO COMMENT YOU SIGN YOU ACCEPT SO I WANT PAYOFF MINUS MY PROMISED INCENTIVES WOULD LIKE OVERPAYMENT REFUND BECAUSE IF YOU NEVER REFINANCE AT ONE POINT THE PRINCIPAL PREVAIL INTEREST PAYMENT GREEDY INVESTORS HAVE NO RIGHT KEEP LOWERING P AND I IN ORDER TO KEEP GET INTEREST ENOUGH IS ENOUGH I SIGN FOR 30YR EXT RECIEVED NO INCENTIVE XXXX $ PAY CUT I WANT PAYOFF SO I CAN GET JUSTICE FOR OTHER SENIOR GETTING HOUSE STOLE AFTER IF BEEN SOLD 10X ALREADY
Product: Credit reporting or other personal consumer reports

Please review this complaint carefully, as it was submitted with full intent. My credit report contains incorrect, unknown and mixed information, including accounts and transactions that do not belong to me. This mix-up is extremely concerning and has caused me unnecessaryXX/XX/XXXXand frustration.
Product: Credit reporting or other personal consumer reports

I didn't give this company authorization to access my credit report
Product: Credit reporting or other personal consumer reports

Hi, I applied for XXXX  to pay for an online course, how ever, before I applied I called & asked them do they report to any of the credit bureaus. The XXXX rep. told me they only report if you are late on payments & when you pay off the loan. So I went ahead & proceeded with the loan, because I did NOT want another account on my credit to lower the score. I have been working really hard for the last 3 years to build my credit & Im extremely close to my goals. Once I received the loan, I called customer service again & asked about payments & again if they do any reporting, a different customer service associate said the exact same thing, they do not report to any credit bureaus. Then on XX/XX/2023 my sore drops on Experian & I see an XXXX account report on my Experian Credit report. I was furious, this dropped my score XXXX points which is a big deal when your are building to buy a home & new car. I then called XXXX  customer service again & The customer service rep. said it must been an error because we only report if you are late on your loan payments & when you pay off your loan, same as the last 2 customer service reps. she transfers me to a manager & the manager says " SOMETIMES '' WE REPORT, " SOMETIMES '' WOW!!! I was like why would I be misinformed 3 times!! & then I get an email that these terms are in my contract, which of course I never seen!! Im disappointed with Affirms customer service associates & the lack of knowledge & their customer service period, I waited so long on hold each time I had to call, all to get LIED TO!! They could of just not reported this loan on my Experian credit report like I was promised, & NOT GAVE ME THE " SOMETIMES '' OF REPORTING! They are unprofessional & need to stop lying to customers! This false info. is hurting my chances of future credit for a home & new car that I desperately need. & XXXX needs to take the XXXX account off my Experian credit! So far I made 2 on time payments, I have shown I'm responsible & credit worthy! I HAVE NO LATE PAYMENTS OR ANY NEGATIVITY ON ANY OF MY CREDIT REPORTS! THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : Shows late payments on my credit report after never receiving the item ( XXXX ) to be financed in the first place. 

Late dates show : XXXX XXXX XXXX XXXX  Ive always owed {$0.00} and as further proof have nothing in collections. I have been told numerous times this would all be removed from my credit report and it still has not.
Product: Debt collection

In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus XXXX XXXX XXXX XXXX XXXX XXXX. InXX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus XXXX XXXX XXXX XXXX XXXX XXXX about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.
Product: Credit reporting

Trans Union is not responding to any of my many requests to investigate and remove accounts from my credit report that do not belong to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went to the XXXX XXXX casino in XXXX to withdraw money from my Cash app card, but the ATM service wouldnt allow me to withdraw so I had to a cash advance. I had to my Cash app card into the machine and everything went through just fine at the ATM but once I took the slip for the cash advance to the cage, they wouldnt cash it for me because XXXX not XXXX and you have to be XXXX cash in your cash advance. I contacted XXXX XXXX casino in XXXX and they told me I needed to do it through Cash App and Cash App told me that I need to do it through the casino.The total was {$72.00}. I opened a dispute on Cash app about it twice now the first time I chose ATM withdraw error and it got denied and then I called them and they help me open a second dispute and I went through it and said that goods not received because I never got the money from the cash advance. The second dispute had been open since XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My client had recieved some covid assistance in XX/XX/XXXX and XX/XX/XXXX. XXXX liens were filed with XXXX XXXX from the Secretary of Housing and Urban Development. We were able to obtain a payoff for XXXX of the liens, but not for the other one. After many attempts to get the payoff from HUD servicer, I was told that they were not the ones responsible. It was the mortgage servicer that did not properly file the paperwork for HUD to be able to give us the payoff. My client was supposed to close on the sale of his home on XX/XX/XXXX. Myself and the title company have been contactiong Mr. Cooper since early XXXX and now I call almost daily for an update and they can not provide me with any news other than they are working on it. I've asked several times for a manger call back and have never recieved a call back.
Product: Credit reporting or other personal consumer reports

TRANSUNION continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but XXXX XXXX XXXX. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Transunion, XXXX XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I'm submitting this complaint without any influence fromany third party or agencies. Please see attached documents and ID as is contains my full complaint and request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX no knowledge of account in violation of HIPPA and CRA
Product: Credit reporting, credit repair services, or other personal consumer reports

i already paid the indigo card. paid it XXXX XXXX i want it removed.
Product: Student loan

To Whom It May Concern, The loan company saying I owe for the student loan is a scam. We're not sure where to go from here to pursue this dispute.

I do have documents of the research and correspondence we have made so far of the various companies that have received my payments in which, you can find that those that received the most payments are in ongoing lawsuits. The most current company, MOHELA, that says they are in charge of my student loan has put a lien against me which is putting a hold on us qualifying for a home loan. Even if I could just pay it off AGAIN I wouldn't know where to pay it to. I was paying to the companies in good faith all these years that where in charge of my student loan at the time. So, who do I believe? 
Do you know of any action that I can take to resolve this problem? Any help you can offer would be greatly appreciated. 

Thank you, XXXX XXXX XXXX XXXX, I am hesitant of sending this because to me that just wakes up the company MOHELA to start harassing me again. I would like this whole thing looked into. MOHELA just ignored me when I sent them the letter and documents in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX UNIT XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX