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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am a XXXX XXXX ( XXXX ). 
I took out federal loans ( XXXX ) to attend XXXX University XXXX XXXX. 
Navient refinanced my federal loans into private ones on or around XX/XX/XXXX, which would be made them ineligible for a loan forgiveness program announced by President Biden. I have contacted Navient for a refund. I should get a refund because I am a XXXX XXXX under the PSLF Waiver and one of the individuals covered under the {$1.00} XXXX Settlement With Student Loan Servicer Navient who has not received relief. I continued to pay my loans all through the Covid-19 pandemic. The response I continue to get from Navient is that, at the moment, we do not have any additional details on the forgiveness program. That is unacceptable.
Product: Credit card

After examining my credit report, I've discovered several unauthorized account that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that this account is a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the account listed on my credit report. This account has been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 
WELLS FARGO CARD SER XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$650.00} ; ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

4. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Product: Credit card

My wife 's American Express statement showed she owed {$4700.00} in charges for the month of XXXX. The balance was to be paid in full by XXXX XXXX, 2015. Only XXXX XXXX, 2015, I posted the full payment against my XXXX account on the American Express website, and American Express posted my payment to its account on XXXX XXXX, 2015. On the same date, XXXX XXXX, American Express sent a letter to my wife stating it was reporting a late payment to the credit bureau, and notified the credit bureau that there was an outstanding balance of {$4700.00} due American Express. XXXX picked up the information because I filed an application to refinance my mortgage, and concluded that the information adversely affected by wife 's credit rating score. American Express states that it automatically reports balances due and that the report has nothing to do with a credit rating unless the credit cardholder is late in payment or in default for payment. But that 's not the way banks interpret the reporting. Although American Express was paid on XXXX XXXX, the charge of {$4700.00} was still on the credit bureau report as of XXXX XXXX Credit card companies should be prohibited from reporting charges to credit bureau unless the account is past due or the cardholder is in fault of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Product: Credit reporting or other personal consumer reports

I

am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy on my XXXX report and Transunion report that belongs to my father. I would like this to be removed. It has been removed from my XXXX report.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The information listed below is incorrect and requires investigation and to ensure my credit report is accurate and fair. 
account : XXXX XXXX XXXX This inaccurate information is negatively impacting my credit score and is not reflective of my financial history. I respectfully request that you investigate this matter by contacting the data furnisher to verify the accuracy of the information. If the information can not be verified, please ensure that it is deleted compliance with the FCRA.
Product: Credit reporting

I disputed a balance with XXXX XXXX XXXX XXXX for a auto loan in the amt of {$27000.00} thats being reported on my credit report. i received a notification that the dispute was completed. after reviewing the results and viewing nothing had changed i contacted transunion and spoke to XXXX i explained to her the information was being reported incorrectly and i wanted it corrected, she informed me that a credit report was being mailed out. i explained the information i received had today 's date but still was incorrect. she hung up on me and i think that is RUDE!!!! i called back to speak to a supervisor i got her on the phone she claimed she was a supervisor i asked her for her last name she stated it is Page. I do n't believe her but some research needs to take place this is totally unacceptable she need to be reprimanded. i want this issue resolved ... my file number is XXXX please expedite this matter as quickly as possible. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX And Agency Account XXXX. received 5 letters That has violated my rights, By sending them to the wrong Address, Has violated with my rights by giving exposing my personal information, with the details accounts numbers, that has put my information in jeopardy for scams, and for someone to steal my identity I will be uploading the Letters that has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 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 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT! 

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX Georgia [ XXXX ] XX/XX/XXXX, XXXX To : c/o EXPERIAN Representative XXXX XXXX XXXX XXXX, TX XXXX XXXX Report : XXXX XXXX XXXX Is XXXX XXXX and is XXXX to me. The Entities in the file that you keep in my name are tied to my individual social security number. 

Immediately remove all Entities. 

XXXX XXXX has its own identification number. 

Immediately update my file and send to above address corrected report. 

Enclosed is my Registered certification of XXXX XXXX. 



If I find this matter to Not have been resolved immediately. I will file a claim. My XXXX XXXX will file against you personally. 


For your verification I have enclosed my Registered Business Documents. 



Regards, XXXX : XXXX XXXX Agent Without Prejudice/ All Inalienable Rights Reserved
Product: Credit card or prepaid card

Was counted as late in XX/XX/2019 but payment was remitted and then credited but still showed up as late.
Product: Credit reporting or other personal consumer reports

Kikoff and XXXXXXXX XXXX have reported the status of my accounts as Charged off but have not sent me the necessary tax forms ( 1099-c ) to report the charge offs as income.
Product: Debt collection

National Recovery Agency. This is a collection account for XXXX, a local utility company. I have been paying a monthly payment amount agreed upon by myself and collection agency for past five months. My credit report does not reflect any payment and indicates " C '' ( collections ) for each of the months I have paid. The payments are directly taken out of my bank account each month and i was told that payments would be reported on time.
Product: Payday loan, title loan, personal loan, or advance loan

I called the ofice to make an arrengment but they say they can not help me with that Im Just aking for help because they want to Take my car
Product: Credit reporting or other personal consumer reports

As a professor of over 10 years and non profit of 22 years my STUDENT LOANS WERE FORGIVEN AND REMOVED XX/XX/year> and now the credit agencies have fraudulently placed student loans on my credit report while in the middle of purchasing my new home. Im also have been approved AND PROTECTED by XXXX XXXX XXXX OF UNITED STATES ADVERSARY PROCEEDINGS CASE NO XXXX CREDIT AGENCIES MUST REMOVE AND DELETE ALL STUDENT LOAN WITHIN LEGAL DAYS OF DISPUTE.
Product: Debt collection

This is not my debt this debt is a result of forgery on my name
Product: Checking or savings account

they said the date of the transaction being posted i would have until XXXX XXXX sharp of the account being overdrawn to deposit the funds to not be charged an overdraft fee. Funds were always deposit before the due time and was still charged the next dayban overdraft fee
Product: Checking or savings account

I had an account with US Bank branch in XXXX XXXX, CA that was closed on me in XXXX because I got a bad check from someone. 

This was literally the first time this happened in 10 plus years. It wasn't my check either so how am I to know. 

Please help me recover my accoynts and restore them.
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXX XXXXXXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXXXXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/. There was an error on their part. I was never 30 days late.
Product: Debt collection

XX/XX/2022 Amount : {$2500.00} My information was given to this company without my consent. 
The company is in direct violation of 15 USC 1692
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, XXXX, and Equifax to reinvestigate these accounts : 1. Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account 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. 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 an 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.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX. Venmo froze my account without notice or explanation. I contacted customer service and was told to upload my drivers license which I did while on the phone. I was told by the rep they couldnt do anything and another department that would only contact me via email would have to look at my account. I have {XXXX} locked in my Venmo account t without reason. {XXXX} of that money was from my VA XXXX distribution and another {XXXX} was from my XXXX payment because I am a XXXX XXXX  XXXX vet. These are my living wages for the month and without explanation or a means to resolve directly I can not access them. I cant use my Venmo debit or transfer these funds to my checking account. 
My assumption is I use this acct periodically for my business I run and Venmo is upset I did not opt in for a business acct so they can charge additional fees. I did not even know they had a business Venmo until reading deeper I got heir help files. 
So without any notice, all my money has been stolen by Venmo
Product: Debt collection

On XX/XX/XXXX, I received information XXXX XXXX, via XXXX XXXX XXXX , XXXX is attempting to fraudulently assign mortgages XXXX, XXXX and XXXX to XXXX XXXX and XXXX XXXX XXXX, Mortgage-Backed Notes Series XXXX. This assignment was electronically recorded by XXXX to the XXXX County Clerk in New York State on XX/XX/XXXX. How is it possible to assign a mortgage from two deceased persons? XXXX XXXX XXXX, my father, died on XX/XX/XXXX. XXXX XXXX XXXX, my mother, died on XX/XX/XXXX. My father 's estate is currently being probated and remains open, and is dated XXXX XXXX ( XXXX # XXXX ). Neither XXXX XX/XX/XXXX nor XXXX XXXX XXXX , XXXX has made a sufficient claim ; even after my numerous requests as the estate 's executor. Secondly, XXXX XX/XX/XXXX and XXXX XXXX , XXXX is attempting to foreclose on property in which they do not have a security interest in. On XXXX XXXX, HSBC ( Beneficial Mortgage ) stated they sold the loan to XXXX XX/XX/XXXXXXXX Effective XX/XX/XXXX, yet has failed to provide any proof of endorsement or assignment. I am seeking a cease and desist on all assignments and formally requesting a copy of all submitted assignments any any endorsements associated with this transaction. I will be providing a copy of this request to the New York State Attorney General as well as XXXX XXXX XXXX, Surrogate Acting Supreme Court Justice.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX