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

It says that I have two Mark 's when I never filed for a credit card and it's for the same thing twice I should not be effected by someone else 's XXXX I'm very upset with this if been trying to get my credit back in order along with my life and this just ruined everything I worked for
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXXXXXX Account Number : XXXX Inquiry XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX, XXXX Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main Credit Bureau 's such as TransUnion, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs XXXX, XXXX Consent Order but make no mention of XXXX redress plan, final resolution, or restitutions as required per CFPB. 
In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs XXXX, XXXX Consent Order.
Product: Checking or savings account

Opened XXXX children saving accounts at same time when it was suntrust no problems when it became truist and I try to access the 5 accounts on line can't see 2 of them called truist 4 times and everything I have to wait an hour to talk to some one and when some one comes on they tell me 2 of the accounts are restricted but no one can tell me why or who done this. Even been to 2 different branches and get told restricted but don't know who or why and can unrestrict them. Only way I can get balance is driving or calling branch. If accounts get hacked won't know until I go to bank or call them. This problem has been going on for a month.
Product: Mortgage

I submitted a complaint against Lakeview Loan Servicing on XX/XX/2021. I just reviewed your status report that stated the matter was closed because the " company responded ''. However, the company has not responded to me nor have you provided anything concerning the matter. Please reinstate this complaint until the company responds to the consumer and satisfies the consumer demands. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that have been paid/ settled. XXXX/XXXX and XXXX/XXXX both accounts have been disputed three times I even included a letter from the creditor as proof. They continue to report as charged off and it's hurting my credit score. I have now reported both companies to the XXXX in hopes of getting this corrected. I don't know what else to do. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account # : XXXX, 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
Product: Debt collection

On XX/XX/XXXX I received three calls from a company claiming to be debt collectors. 
The first call was at XXXX, second call XXXX, and third call at XXXX. ( California time ) They insisted I pay {$800.00} upfront and give my debt card information over the phone. 
I told them I dont mind sending a cashiers check, but they said I can not do that. 
I spoke to their female Manger and she mentioned my debt was {$700.00} ... Which is a different amount that was said prior. 

I call them at XXXX and ask them to send me a validation letter in the mail, but the guy says they can not do that and if I dont pay today, they will charge me 7 % everyday of interest. 
I told the guy I was at work and didnt have a card on me, and he rudely says who doesnt take their wallet to work .. then I tel him I have XXXX XXXX ( only works in stores ) and he starts listing companies Ive never used before. 

I would love to pay debts correctly, but this seems like a scam.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF EDXXXX XXXX Balance : {$6200.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have a security freeze and fraud alert on my credit reports along with an Identity theft Affidavit filed with the FTC - Report # XXXX and a police report report filed at the XXXX Police Department. 

Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three written requests, the unverified and FRAUDULENT items listed below remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be removed from my credit report : Collection Agency : XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Through borrowers defense to repayment my balance was reduced to {$57000.00}. XXXX hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX XXXX updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors
Product: Debt collection

I have repeatedly tried to handle this situation with grace and elegance but this company just does not seem to care! 

NOT ONLY DO THEY NOT CARE THEY ARE NOT EVEN LEGALLY AUTHORIZED TO COLLECT IN THE STATE OF NJ Attached is all correspondence with this company! They did responded my letter I sent back in 2021 but with no information verifying the debt! The did not give me a contract with THIER COMPANY WHO IS COLLECTING! 

Exhibit 1,2,3 & 4 will be attached Upon checking XXXX consumer this company is wrongly collecting in the state of NJ
Product: Credit reporting or other personal consumer reports

**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a XXXX XXXX  through XXXX XXXX. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/2024, I received a notification from my credit report stating that the XXXX XXXX  reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a XXXX XXXX, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Product: Debt collection

In the spring of XXXX I had a scholarship called XXXX XXXX XXXX. This scholarship paid for my college tuition and classes. However, I was granted a medical withdrawl from the semester by the administration due to an injury and multiple deaths in my family. Several months later, I was notified by the college ( XXXX XXXX  University, IN ) that they had turned my account over to a collection agency. I was unaware that I even owed anything to the college. After talking with the college, they said the scholarship wouldn't pay for the classes that semester since I had withdrew. They said because I didn't withdrawl before the refund deadline I still owed the money for those classes. This is incorrect. Medical withdrawls are exempt from this deadline, or at least that is what I was told by the administration before my withdrawl was approved. I didn't just drop classes, I had to go to specific administration personel and show medical documents to get approved for this medical withdrawl. I attempted to explain this to the bursars office at the college, and again to the collection agency but nothing changed and I am still being told I owe a " loan amount '' of {$2200.00} even though I never took out a loan in the first place. The collection agency is Security Credit System, and they keep telling me I owe this debt even though I have explained the situation multiple times. This is an issue because they are reporting this to credit bureaus. The collection agency did this once before a couple years ago and I contacted creditrepair.com and they were able to take it off my credit report. Security Credit System just reported this collections account to a credit bureau again after it was already taken off once. This was done on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Random credit check and find out that my score has gone down because of accounts I have no knowledge of. From places like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of these places attached to them I have used ever. I've tried several times to have removed and no results.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint regarding violations by the three major credit reporting agenciesXXXX, XXXX, and TransUnionof federal laws designed to protect consumers, including : 1. 15 U.S.C. 1681 ( Fair Credit Reporting Act - FCRA ) : The credit reporting agencies have failed to ensure the accuracy, fairness, and privacy of my credit information, as required under this law. Specifically : Inaccurate Information : My credit reports contain inaccuracies that persist despite multiple disputes and documentation provided to substantiate my claims. 
Failure to Investigate : The agencies have not fulfilled their statutory obligation to conduct thorough investigations into my disputes within the required time frame. 
Reinsertion of Deleted Information : Information that was previously removed from my credit report after being found inaccurate was subsequently reinserted without proper notification or re-verification, as required by the FCRA.

2. 15 U.S.C. 6805 ( Gramm-Leach-Bliley Act - GLBA ) : The credit reporting agencies have not adhered to their responsibilities under the GLBA, particularly regarding : Safeguarding of Sensitive Information : The agencies have not properly secured my sensitive consumer information, leaving it vulnerable to unauthorized access.

Breach Notification : I have not received proper notification of potential breaches or unauthorized disclosures of my personal data.

3. 16 C.F.R. Part 313 ( Privacy of Consumer Financial Information ) : There appears to be non-compliance with privacy regulations, including : Unauthorized Sharing of Information : Nonpublic personal information has been shared with third parties without my explicit consent, in direct violation of privacy rules. This is Identity Theft Harm Experienced These violations have caused significant harm to me, including : Denial of Credit : I have been denied financial opportunities due to inaccurate credit information.

Emotional and Reputational Damage : The ongoing inaccuracies and breaches have caused undue stress and harm to my reputation.

Financial Burden : I have incurred additional costs and time in attempting to resolve these issues.
Product: Student loan

My student loans have been with XXXX since XXXX. I finished school in XXXX. 

Even though XXXX has always been servicing my loans. A company called Education Credit Management or ECMC is reporting collections on my credit report for students loans with the same exact dates that XXXX has for XXXX and XXXX for late payments on my student loans. 

I have no knowledge of ECMC. I've never signed any paperwork with them or even spoken to anyone from that company in XXXX and XXXX. I never recieved a letter, an email or any kind of correspondence to who they are. So I have no knowledge of the collections or why they're reporting fraudulent information on my credit report. 

XXXX has always serviced my student loans.
Product: Debt collection

A gentleman representing Apex Resolution Group named XXXX i believe first contacted my wife stating that I owed XXXX, and that if we did not pay XXXX of it right now, they were going to freeze our bank accounts that night, and put leans on both our vehicles ( which i own XXXX of the vehicles ) He sent a letter to my wife via e-mail stating that they offered us an opportunity to pay for this debt. We never received any type of letter from this group. I called the number back and talked to this gentlemen stating that this was a scam, and we are not paying any type of debt unless he could provide a debt validation. This man has left messages for my mother, my mother in law, and my wife ; all the while not contacting me directly while having my phone number. The next day he had left messages again for my mother, mother in law, and my wife trying to find out where i work. I called back again and was not happy with him, i was very beligerant with him, and he had stated " How do you like getting calls at XXXX on Sunday morning? '' then he then started listing family members all around in XXXX Kentucky stating he was going to call them all. This has started XXXX XXXX 2016, and has escalated fast because i am filing complaints with CFPB and XXXX, and am going to file a police report today. If they can show debt validation or even send me this information in the mail i would be happy to oblige.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it XXXX concern, Equifax has not responded to my letter that I sent out to them WELL OVER XXXX days ago. Credit Reporting Agencies  have XXXX days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.
Product: Student loan

I have 3 Student loans for XXXX on my student aid account listed as being serviced by XXXXXXXXACS from XXXX that still show me as " In School '' and " Grace period '' I submitted a complaint ( feedback case # XXXX ) on XX/XX/XXXX when I discovered the issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX since XXXX and do not even remember having ACS or XXXX as a servicer. I can not contact XXXXACS as they no longer exist. I have since discovered XXXX/ACS  mismanaged student loans and was fired/sued by Department of education. If these loans were valid they should have been included in my direct consolidation completed XX/XX/XXXX. They were never listed on my credit report and I was never contacted to make payments on them to my recollection. Furthermore I have 2 more loans from my XXXX XXXX  which were included on my consolidation loan ( XX/XX/XXXX ) however they are listed as 1/2 of each loan was cancelled. I believe the entire loan was cancelled as this was probably the point XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX. I do not think those loans are correct. I do not think my consolidation was done correctly at all and my loans related to XXXX were mismanaged. I have contacted both general student aid hotline, chat, and student aid ombudsmen. They indicated this was being investigated by my current servicer ( XXXX XXXX ) and had no answers except it may take a long time ( so wait ) and they would do nothing as it is an XXXX XXXX problem. I contacted XXXX XXXX also. XXXX XXXX indicates they do not do anything related to consolidations and this is a student aid/Dept of education problem. XXXX XXXX further indicates they are not investigating this issue, all amounts on my account are as the dept of education has directed them. 

see attached " XXXX XXXX XXXX '' for loan numbers, servicers, amounts, dates, statuses, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an invitation from Experian to apply for an XXXX Credit Card. The information stated that it would not impact my credit score. So I applied and noticed yesterday that my credit scorXXXX decreased by XXXX points. I called to speak with someone about this and spoke with a customer service manager named XXXX. She was nasty and rude. This is misleading information. It appears that Experian gets rewarded for the number of applications submittetted. This is unethical and fraudulent.
Product: Credit reporting or other personal consumer reports

I sold apartment in NY put {$30000.00} down on house and put in my husband name ONLY as his income was better for a fixed mortgage my husband for XXXX years.He owned company in XXXX and commuted. He died in XXXX XXXX which is suspicious, due he was arriving in XXXX next day his daughter put divorced on death certificate.. my family flew down Immediately.. I was deleted at home called XXXX and said he died they gave me no help.. His daughter took all information from his lap top and said she was me.my attorney called XXXX to not refinance.. there was a tax lien on house which I was trying to handle IRS.. I received paperwork from XXXX in email telling me refinancing and IRS was included. XXXX was very difficult.. I proved continual married and our Attorney helped my sister and I pay off mortgage they had no right going in my credit report XXXX  never called me.. my XXXX attorney ihas proved fraud that there was no divorce and they are being served by a judge. I HAD NOTHING TO DO WITH XXXX AND THEY ALMOST GAVE MY HOME TO A THIEF.. 
I WANT THEM OFF MY Credit REPORT NOW I WILL TAKE LEGAL ACTION ON XXXX. I AM XXXX and THIS IS IDENITY THIEFT, and XXXX IS INCOMPETENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a ftc report to credit report agencies and creditor and received no results and this has caused me much distressed having fraudulent accounts being reported to my credit report. I reported these fraud cases on XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report the account XXXX  XXXX Account # XXXX the account is reporting incorrectly. The consumer agencies knows they can not lawfully validate or verify this account. The banks are federally insured and dont incur any losses due to the insurance being paid on defaulted accounts. The law further states any account charged off with a balance should be returned to the consumer. This is my final attempt to get the consumer agencies to follow law as it is outlined or face the consequences.
Product: Debt collection

A delinquent account not belonging to me was linked to my credit report. The delinquent account belongs to another individual with same first/last name living in the same city as me, but different SSN. When I disputed it with the collection company, their response was that they confirmed that I am a current XXXX Customer which was initiated in XXXX 2012. Additionally, charges incurred in that delinquent account # XXXX date back to XXXX 2012. Neither parties have been cooperative in my attempts to clarify the confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I personally sent in letters to all three bureaus informing them about the inaccurate information that is reporting to my credit report. It's been over 45 days and the law states that they have 30 days to come to a conclusion with their investigation and I still haven't heard from them. I also found out that I was affected by the XXXX  data breach, and my information could have gotten into the wrong hands. I feel like I'm being taken advantage of and ignored. Please help me with this issue.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and TransUnion credit bureaus to dispute 2 inquiries that I did not authorize. Both are from XXXX XXXX with inquiry dates of XX/XX/2023 and XX/XX/2023. XXXX XXXX  states they received credit applications in my name but I have not applied from any new personal credit with them. I have attempted to dispute the inquiries with the credit bureaus but they refuse to even start an investigation to verify information they are reporting.