23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request to pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX XXXX XXXX XXXXXX/XX/year> under the account number appearing on my credit report as XXXX. This Account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. The aforementioned account and hard inquires are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage caused a huge problem with my bank account and did not follow instruction properly on processing of my payment. This created me to be late the following month due to their negligence in handling the problem and resolving immediately. they submitted for payment several days after they were supposed to process ACh payment, which is supposed to process immediately that day or day after, They also received payments as proven by bank statements I sent to them showing proof of this. After calling them they were arguing with me about something that was clear as day. 

I mailed another check to them 6 days before months end and they said they never received it even though all my other bills mailed same day were received by other service providers. they stated they would consider it late because of this. However, the ACH that should of been processed on a particular day would have avoided the so called late payment on record.
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The item disputed was returned as " updated '' but with no evidence to prove it to be accurate. 

The debt collector has no evidence of DEBT VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully requested that the offices provide me with competent evidence that I have any legal obligation and that I personally signed with my signature with their company. This is a violation of 15 U.S.Code 1681e ( b ). 

XXXX XXXX XXXX XXXX
Product: Debt collection

I moved out of XXXX XXXX in XXXX XXXX XXXX ( owned by XXXX ) in XXXX of 2022. Upon receiving my move out statement, there were ambiguous charges including a painting fee and a large cleaning fee. I asked XXXX directly for an itemized breakdown of the charges, in which they never responded to my request. I had reached out multiple times over e-mail. Eventually, my wife and I grew sick of dealing with them and went to pay the balance, however they had shut down our portal access and we were told our balance had to be paid over the phone. We then called the phone number to be told that our balance was {$500.00} more than what was on the paper at move out. We never received any clarification on this, and of course never agreed to the amount owed. Now my account is in collections at 10 % interest while I have never received clarification on the debt and the amount owed. I have attempted to resolve with both COLUMBIA DEBT RECOVERY LLC DBA GENESIS and XXXX  but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three 3 credit shows activity that's what was not me nor do I recognize all activity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved into the Service member Civil Relief Act program in XX/XX/2017. Since the time of my approval has not updated my account to reflect my new percentage rate or adjust how much I owe. They also have not been reporting to the credit bureaus properly. I have called them several times and each time they have said that they were going to correct it and get back to me ; but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to see if the credit report companies can show a sign a good faith in removing my credit inquiries on my credit report. I started a small business and had gotten denied for a business credit account by XXXX. My company is on hold until i can resolve this issue. I called XXXX twice and i am unable to convince them to open a business credit line for me. My credit score is in the 700 's  and i have never missed a payment. I also do not have any negative remarks on my credit report. Please help. Thank you.
Product: Credit reporting or other personal consumer reports

To delete hard inquires, old address, misspelled names, and provided proof of original contract that has been signed and agreed to because I don't have a contract or agreement with the companies, I have people getting mail in my name and contacting me about my personal information AND I DON '' T stay at the addresses they have listed they have sent a letter with my social security number and other personal information TO THE WRONG ADDRESS Remove accounts under these names - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never lived at these addresses you guys are merging incorrect information on me I have never worked at these places of employment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$860.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} 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 : XXXX XXXX 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 : XXXX Equifax Information Services LLC 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 : XXXX
Product: Debt collection

I am filing this complaint against a debt collector called CREDIT BUREAU XXXX. I noticed that this company has been attempting to collect from me while not being licensed in the state of Tennessee. XXXX XXXX XXXX. Title XXXX, Chapter XXXX requires debt XXXX to have a license in Tennessee before doing business in an attempt to collect. This a violation of state law. I can confirm they don't have license because I looked there company up on the XXXX website. This company did not give me an opportunity to dispute the alleged debt nor was I given enough information to verify relevancy of the debt they are claiming to collect. Considering this company has no Tennessee license to collect, they are also in violation of the Fair Credit Report Act section 1681b permissible purpose for putting their tradeline on my credit reports. This company is also in violation for deception and false or misleading representations per 15 USC 1692e ( 10 ) and section 1692 ( 2 ) ( A ). This company is causing unnecessary problem and ruining my credit reputation while doing it.
Product: Debt collection

There was an account opened with XXXX XXXX on XX/XX/2019 and had a high balance of {$2900.00}. I made payments on the account while attempting to dispute. Im hoping to have results now. Also, on XX/XX/2019 there was another account opened with XXXX XXXX XXXX in the amount of {$2600.00}. These accounts are fraudulent and Im told were registered to North Carolina and I reside in Michigan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which has caused me severe XXXX and anxiety upon finding unverifiable, invalidated, inaccurate and questionable items that the credit reporting agencies are reporting on my credit report. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. Code 1681e ( b ) and 15 U.S.C. Code 1681i ( 5 ) the following accounts are in violation and not reporting 100 % accurate as well as violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX. Acount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX 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. 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 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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: Checking or savings account

TD Bank is repeatedly mailing account opening bonus offers and not honoring them after fulfillment of terms by consumer. The terms are deceptive. The offer says the consumer should not have a checking account in last 12 months. But later on they are denying the bonus saying the consumer had a prior account 3-4 years ago. This has happened to me and 3 of my family members.
Product: Student loan

I took out a parent plus loan so my daughter could attend XXXX XXXX of XXXX XXXX. When the loan was taken out I was told by the financial aid director that the checks will be sent directly to them due to problems in the past where they never received the money from past student that decided to not attend. XXXX XXXX XXXX financial aid director said that she would send me a check for the amount I took over school cost to pay myself back for purchasing my daughter 's XXXX. She said XXXX would need to complete so many hours before she could send me the money ( ca n't remember # of hours ). She did n't advise me of the name of the loan holder I would be going through. I got a few emails saying I owed Navinet over {$700.00} and need to pay right away. The emails did n't say what school they were for, so I figured tahey were some type of scam. I think I got a few possible calls from Navinet but still I felt this was a scam. Then in mid XXXX I received a letter stating I was going to be sent to collections. Even on this letter the school name did n't appear. I asked my daughter if this was who she had her loan through. She advise me it was not her lender. I decided to call to see what this was all about since they keep on trying to contact me and also said I would be sent to collections. When I called I spoke to XXXX, I asked if this was the loan for my daughter 's XXXX. She advised me I was behind {$770.00} on the loan for {$17000.00}. I asked why the loan owed was that amount when my daughter only attended for 6 months was on XXXX for 6 months then forced to withdrawal due to a medical condition. She proceeded to tell me that they sent me the check for the amount of my loan. I told her I never got the check that is was sent to the school. I asked what address they sent check to? She gave my home address XXXX XXXX XXXX XXXX XXXX XXXX. I told her that was a lie. She said they only pay check to the borrower. I told her that they never sent me the check. Also I never cashed a check from them. I only got a check from the school after for the amount I borrowed to pay myself back for her XXXX I asked for copy of front and back of check. She put me on hold then told me they were n't allowed to do that, they could only send it to the borrower. I said I am the borrower, and they are legally able to provide that to me. She said get copy from the school. I said if check was sent to me and cashed by me why would the school have copies. I told her they did send it to the school directly and not to me the borrower. She argued with me it was sent to me. I asked why they would send the full amount of the loan when she was only attending for 6 months plus the school also took money from my daughter 's loans she took out. I asked for a supervisor she refused to do so each time I asked. I got tired of arguing with her and said I was out on a XXXX and unable to pay at this time. She set up a forbearance to hold my payments until XXXX 2017.
Product: Checking or savings account

All the Oops fee/Overdraft fees from Navy Federal Credit Union for years . I read an article where auditors caught/fine Navy Federal for charges the fees. As a member I was told to submit a claim to get these fees return to me over many years.
Product: Student loan

Well basically they’ve directed me to put my loan in forbearance multiple times and didn’t give me the opportunity to use the income based plans.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to delete is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I purchased a certificate of deposit with Citibank which matured in XX/XX/2023. They told me multiple times my check has been issued. I've also contacted them for more than XXXX times. No representative really understands my issue and they just kept telling me they will escalate the issue or the check will be received by certain dates. It has passed their promised due dates a couple of times but I still have not received my fund.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE CRIMINAL COMPLAINTS I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card

I went to go try and make a payment on this account always made it through the app. I went through the branch since I was not able to make a payment on the app or on a call with a Chase representative. Ive always been on with this account. I also had problems with fraudulent charges. I always made payments on this account as I was advised they are still marking this account 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never heard of sagestream credit reporting agency. It is showing my credit being much lower than it is. They are hurting my credit
Product: Debt collection

BYL Collection Services violated my rights by never contacting me regarding a debt that has supposedly been sent to them for collections. They place a collection account on my credit report without proper notification that I owed a debt with them. They never sent me any billing statements and still have not sent me any billing statements or notification I owe a debt with them. I found out through my credit report monitoring service that they placed a collection account on all  XXXX  of my credit reports. I never had an opportunity to dispute the debt which they claim I owe nor have been given an opportunity to ask for proof of the debt with them. They have violated the FDCPA and the FCRA! Due to their unlawful practice I have been denied credit and my credit scores have dropped significantly! After review of the CFPB website it appears this is a typical practice of this company for violating consumer rights under both of these acts and I will be contacting an attorney regarding filing a class action lawsuit!