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

Approximately 15 days ago I submitted a complaint regarding the extended fraud alert through Experian asking for this alert to be REMOVED due to the alert holding my credit score down and my ability to acquire credit. A week ago Experian responded saying due to the fraud alert they need proof of identification. So, Experian is again refusing to take off the fraud alert and continuing to hold my credit down. I want the extended fraud alert taken off! Experian is ruining my life, my next step will be a federal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of inquiries that suddenly appeared on my credit report. These are from unknown locations and when I tried reaching out to the bureaus I did not receive any response or results from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX Agreement with Ditech Mortgage Company to allow my mortgage payments to be put at the back end of my loan to avoid late payments. Since XX/XX/XXXX I have asked for a historical account of my payment history after discovering the mortgage company reported the agreement as late payments. Every month I received the same form letter stating they would resolve this but nothing has been done and it is now XX/XX/XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit agency is reporting untruthful information on my credit report i have told them repeatedly that the birthday that is listed on my credit report is n't correct I have sent in my driver license and also my social security more than three time via mail in also email I sent all the mail certified also. I also had disputed some inquires that was listed on my credit report i told them that there where not mine in i dont even know have of the company that is listed they told me it was my job to call in ask the company to remove them i told them how can i ask them to remove something that i dont even acknowledge they then told me they the company is paying them to keep the inquires on the credit report in that why when we disputed the inquires we get a return result the next day. the inqures are   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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$1200.00XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

I had a dispute over {$490.00} charge and the cc company credited back to account and I have supporting data and letter to support this from the credit card company. Credit card company then rebilled same charge again on same day and billed me with interest and harassment calls 3 months later. The card was closed after credited the {$490.00} and yet the charge mysteriously appeared months later. 
Ive called twice, was transferred a minimum of 3 times, they still have no resolution and they claim they record all calls and Ive asked them to review their records of call made to me stating account is closed and all charges were at XXXX. I also reminded them of letter they sent me stating the credit and if they needed any other info from me theyd contact me. They never contacted me. They simply started billing me finance charges, and made phone calls to me on Sunday asking me for resolution to my bill. What a joke!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX : {$0.00} & XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my third endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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

In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX  ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A 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 account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.
Product: Student loan

Please see the attached documentation There is too much information to type or copy and paste here Thank you! 

Overview : MOHELA has duplicate Parent Plus Loans on my account and they have not removed the DISSOLVED Consolidation Loan they wrongly advised me to take out XX/XX/XXXX There is an extra {$43000.00} on my account for months now because of the duplicate PPLs. 
Everyone I talk to at MOHELA says they will fix it in 10-21 business days. 
This has been going on for 5-months now. 

XXXX dissolved the Consolidation Loan on XX/XX/XXXX It's still on the account MOHELA has my account balance completely inflated and wrong : Current Principal : {$120000.00} ( wrong ) Accrued Interest as of XX/XX/XXXX : {$3200.00} ( wrong ) Payoff Amount as of XX/XX/XXXX : {$120000.00} ( wrong ) MY Correct Loan ( s ) Balance is : {$81000.00} Their Customer Advocacy Team keeps telling me it is in processing and will be fixed 5-months later now change I have filed multiple complaints with MOHELA, spent HOURS on the phone, filed complaints with FSA and XXXX, still no correction. 

Please read the attached documentation, it is dated and timestamped for each contact with MOHELA, FSA, and XXXX Who is holding MOHELA accountable for their lack of fiduciary responsibility, inflicting consumers with fraudulent account balances, and their inability to provide reliable or timely customer service. Their behavior is borderline criminal. 

ALL OF THIS STARTED WHEN I CALLED MOHELA XX/XX/XXXX FOR HELP ON LOWERING MY PAYMENT AND HAD THE MISFORTUNE OF SPEAKING WITH A REP-IN-TRAINING WHO DID NOT KNOW WHAT SHE WAS DOING.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report a child support collection without providing me with the documentation or the persons name who they spoke with that verified this information. I contacted the child support office and they stated that did not report this account with either consumer agency and it is widely known that each consumer agency sells consumers data for profits to solicit business from other companies this is illegal because they do not have my consent and by reporting this information it is causing me to be denied credit which is a violation of my consumer rights.
Product: Checking or savings account

I trying to opt out of XXXX on my online banking because i rarely use it i told the rep to opt out those emails and she refused and refused me to get a supervisor and i told her i want to opt out of XXXX i told her that i NEVER use it and I just don't want any emails about XXXX i want to opt out of these emails which states by law Opt-In Requirements and Permission. The CAN-SPAM Act allows direct marketing email messages to be sent to anyone, without permission, until the recipient explicitly requests that they cease ( opt-out ). Direct marketing email messages may be sent only to recipients who have given their prior consent ( opt-in ).
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests to TransUnion that they are reporting inaccurate information on my credit file. My last dispute to TransUnion was sent on XX/XX/XXXX. TransUnion sent me back the results to their investigation on XX/XX/XXXX stating in writing that they verified the accounts are being reported correctly? As of XX/XX/XXXX XXXX TransUnion is reporting my XXXX XXXX account as a credit card account included in a XXXX bankruptcy. This account should be a closed credit card account in good standing. I have never file Bankruptcy. TransUnion is also reporting a collection account from XXXX XXXX XXXX XXXX. This account was deleted from my credit file in XX/XX/XXXX. XXXX XXXX XXXX agreed that they will delete information from my credit files.
Product: Credit reporting

I have been actively trying to have the collection account/judgment removed from my credit report from XXXX as I and my wife, XXXX appeared before the judge and the plaintiff did not appear and the Judge ruled in my favor that this matter was a non-suit judgment on the behalf of the defendant ( I, XXXX ). I have sent the Judge 's order to XXXX in support of disputing this item from my credit report and they have since removed it. I have also sent the supporting documentation to Equifax and XXXX in XX/XX/2017 and have received correspondence from that they will not remove this fraudulent charge from my credit report. I am requesting your assistance in having them remove this from my and my wife 's credit report as this is seriously affecting our credit and lives. Thank you, XXXX
Product: Debt collection

Fundo is trying to charge extra fees on a payment on a XXXX loan. I'm down to my final payment and needed to move it but want to charge an extra {$800.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following fraudulent accounts ; XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$110.00} ), XXXX XXXX XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3200.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$24000.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ). If necessary I have the certified mail receipts for the dispute I send them. The dispute is attached. Experian have not responded to the dispute or correct the errors on the report from the above 4 accounts.
Product: Credit reporting or other personal consumer reports

The account listed below was supposedly verified for ACCURACY on XX/XX/XXXX and XX/XX/XXXX by XXXX, Experian and XXXX. XXXX deleted the inaccurate account during the XX/XX/XXXX dispute process. This account was charged off on the following date ( XX/XX/XXXX OF FIRST CHARGE-OFF ). Since then, the account has repeatedly been updated as charged-off every month. This is an inaccurate update in my payment history. This inaccurate information falsely manipulates the statute of limitations. 

XXXX and Experian have failed to investigate this account twice. They have totally violated my rights per the ( FCRA ) 15 USC 1681e ( b ) Accuracy of Report This account is being re-aged and reported inaccurately which is destroying my credit opportunities.

I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I lived in an apartment complex in XXXX Texas, which we moved out of in XX/XX/XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I received a statement of deposit accounting from XXXX XXXX XXXX, which is the parent company of the complex we lived in. The statement of deposit accounting directed me to pay {$240.00} to XXXX XXXX XXXX/IQ Data. On XX/XX/XXXX, I sent a money order to XXXX XXXX XXXX/IQ Data for the outstanding fees, per Steadfast Management. In XX/XX/XXXX, I received my check in the mail from XXXX XXXX XXXX/IQ Data, with a note attached which reads " As we are unable to locate this account this check/money order to you. Thank You, IQ Data International Accounting Office ''. On XX/XX/XXXX, I wrote letter to both I.Q. Data International and XXXX XXXX at XXXX XXXX/XXXX  XXXX XXXX. In my letters I disputed the increased fees because of through no fault of mine they had charged me interest. On XX/XX/XXXX, I received a letter from IQ Data International , Inc., Account Rep. XXXX XXXX, again asking me for {$250.00}, which was the original debt plus {$8.00} in Interest. I still dispute the interest charges. On XX/XX/XXXX I received an email from XXXX XXXX, Regional Manager for XXXX XXXX XXXX. In her email she admits there was a problem with their transferring of files from her company to IQ Data International. That there would be no negative impact on our credit because there was a 45 day race period. On XX/XX/XXXX, I used my XXXX XXXX XXXX XXXX   debit card and paid the original debit {$240.00} ( I have the transaction in my account statement ). Yesterday XX/XX/XXXX, I received a telephone call from a Representative of IQ Data International who said, I still owed the debt. IQ Data International has killed our FICO credit rating. We want an acknowledgement from IQ Data International that our debt is paid and was paid as far back as XX/XX/XXXX. We want our credit rating restored to it's prior ranking. We want an apology.
Product: Credit card or prepaid card

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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 : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX 15 USC 1681 section 602 A 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 an account without my written instructions.

15 USC 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 USC 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

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. 

US DEPT ED # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  DP OF EDUC : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DP OF EDUC : # XXXX, XXXX : # XXXX, XXXX : # XXXX, DP OF EDUC : # XXXX, 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: Debt collection

I have written Fox Collection 2 times, dated XX/XX/2021 and XX/XX/2021. Fox has sent me nothing in the mail. I requested verification of an account, which is my right as a consumer. They violated this right. I looked to see if I could find a different address online, since I was using the one reported to my credit. Their website lacks such relevant information, this must be a violation as well, it's almost as though there is no right to dispute with these people. Please help me, they have caused me significant damage, both to my reputation and my time.
Product: Debt collection

I called the given number that the collection was under ( XXXX ) XXXX, but was redirected to a separate company ( XXXX ) XXXX. 

I spoke to the other company that was called Radius and confirmed my information in which I settled with a payment to close the account. They told me Id receive a letter detailing that the account would be closed in 24hrs. I didnt receive anything and when I called the original number they said that the account had not been settled.
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 Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I had 4 hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. 

XXXX. XXXX XXXX - XX/XX/year> Institution : XXXXXXXX XXXX XXXX  Account Type : All Banks XXXX. Inquirer Name : XXXX  - XX/XX/year> / XXXX  Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXX, Pa XXXX XXXX. Reported By : Experian Bus Info Solutions XXXX / Experian Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account Type : Credit Bureau XXXX. Inquirer Name : XXXX XXXXXXXX / XXXX  Phone : ( XXXX XXXX XXXX Industry Type : XXXX XXXX Subsciber Address : XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting

Equifax is unable to update my personal information such as address, telephone number, and transmit it to XXXX and XXXX. Equifax has been unable to update this information because XXXX and XXXX will not communicate correctly with Equifax. Equifax is unable to fix the Equifax ID Patrol product credit report lock feature. It 's currently not working which would allow for me to lock my credit report. Currently this has been a problem for 8 months and is ongoing. I believe I 'm the victim of Identity Theft and use of my personal and professional information is being used in ill will. There is a feature that Equifax provides as an email to consumer stating that no news is good news dissuading you from checking the internal ID portal, in a way assuring you everything is ok. This is a false status email and I believe is wrong. All prior complaints of change of addresses and phone numbers from my account have been removed, but still have incorrect data published. Equifax is now telling me it 's my responsibility to update the information with XXXX and XXXX. Eliminating the obligation of reporting to the other credit agencies from what I pay for each month.