23daVinci/CFPB_Complaints huggingface dataset:
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 the 3 credit bureaus 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 remove these files. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$520.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} ; XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$760.00} ; XXXX XXXX  ( Original Creditor : 10 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on a vacation with my wife to XXXX XXXX XXXX XXXX on XX/XX/2019 and sat through a time share presentation. The presenter asked if we would like to accept the package, we agreed saying yes. He asked if we would like to open a credit card for the purchase, and we said yes, AS LONG AS IT IS NOT A HARD INQUIRY ON MY CREDIT REPORT, He assured me it was a SOFT INQUIRY and it would not affect my credit report in anyway. Little did i know THE COMPANY LIED TO ME AND IT WAS A HARD INQUIRY AND IT DID EFFECT MY CREDIT REPORT in a huge way. The company is called BARCLAYS BANK DELAWARE, XXXX. XXXX XXXX XXXX, DE XXXX XXXX ( XXXX ) XXXX. All i am asking to resolve this issue is to take the hard inquiry off of my credit report.
Product: Student loan

Several years ago me and my wife co-signed several student loans with Sallie Mae for our nephew XXXX XXXX. The loans were spread over XXXX years in excess of {$100000.00}. 
Shortly after he defaulted on the first payment, Sallie Mae began harassing me and my wife by placing robo-calls to both of our job sites. The robo-calls seemed to be happening every 15 minutes. My wife got in trouble at her job and I contacted Sallie Mae to avoid getting in trouble at my job. We lost all contact with the student ( primary borrower ) XXXX XXXX. 

While making the monthly payments, I contacted Sallie Mae and asked if they were still going after the primary borrower for collection. They said " no '', that once they have the cosigners paying they no longer persue the student for payment. So we were basically stuck with the entire student loan obligation based on how Sallie Mae does things. 

After paying for almost a year, Sallie Mae " jacked up '' the loan interest rate. Still having no contact with the student, we tried to refinance at a lower rate. This was very difficult in that most of the student loan refinancing companies will only deal with the primary borrower. We did eventually find one, XXXX XXXX, to refinance the {$100000.00} student loans. But now the loans are in our name and it looks like XXXX XXXX is " off the hook '' for any of the obligation even though he's the only one to benefit from these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is misleading, fraudulent and unconstitutional the promissory notes allegedly signed by me is null and void because the notes was used to create the Credit or money on its own books bookeeping entry therefore no lawful consideration was given. There is no united states law or statue that gives XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX to do so. therefore the agreement is null and void, attempting to collect is usury because no consideration was given. Reporting these accounts to my credit file is extortion and blackmail and is a violation of federal law. Lastly I never was given a true bill these persons never verified under oath I owe a debt therefore I order the said persons to cease and desist from all communication including the credit reporting agencies. And remove and block the fraudulent accounts from my credit file.FTC IDENTITY THEFT AFFIDAVIT IS ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding the continued presence of a charge off, account included in bankruptcy, and public record entries on my credit report, despite numerous attempts to have them removed. Regrettably, I must inform you that this is now several attempt to address and rectify this issue, yet the problem persists. 

I demand immediate and decisive action to thoroughly investigate these inaccuracies and ensure their complete removal from my credit report. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future and to restore my trust in your company 's integrity. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My confidence in your company 's ability to uphold the highest standards of accuracy and accountability depends on your prompt and effective resolution of this issue. With this, I am asking for your assistance to remove these accounts in my credit file : XXXX XXXX XXXX Balance : {$2400.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX XXXX XXXX Balance : {$0.00} - This is showing to be XXXX past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay and bankruptcy court orders. 

XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove.
Product: Checking or savings account

I am writing to formally express my concerns regarding Bill handling of disputes. Particularly in light of the recent CFPB lawsuit, highlighting significant issues with the problem. Despite using Zelle, numerous times and reporting discrepancies, my financial institution in Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions was in unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious conservative about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX Inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX - Card Service inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit I noticed quite a few accounts that do not belong there. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to GAAP practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently or I will seek damages to the highest extent of the law. XXXX # XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries do not belong to me as I have not sought or obtained any credit or opened any accounts. I also have not applied for insurance. Delete the XXXX inquiry # XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX inquiry # XXXX opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX  XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry # XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX opened XX/XX/XXXX ) .| Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXXXXXX XXXX inquiry ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXXXXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX  inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX XXXX ( XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX inquiry XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry XXXX XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX opened XX/XX/XXXX ). Delete the XXXX inquiry ( # XXXX, opened XX/XX/XXXX ). Delete the XXXX XXXX XXXX inquiry ( # XXXX opened XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

I have made several attempts Im trying to get these fraudulent accounts off of my credit report. I have never even applied for credit anywhere. I didnt push as hard as I should have push to get them off however, I just XXXX XXXX XXXX and now my future is more important to me. I am asking that you really take a serious look really really do some serious investigation in these portal in accounts because they are definitely not mine, which includes.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though this one is a XXXX balance, it still does not belong to me, XXXX This one also has a XXXX balance, but it also does not belong to me I am really trying to get my life together and this I mean these fraudulent accounts are really holding me back and I am in dire need of help
Product: Credit reporting or other personal consumer reports

I called and sent letters to EXPERIAN about the generic letter that I received about my disputes. There are two bankruptcies that are reporting on my credit report that are fraud and not mine along with an account from XXXX XXXX XXXX texas, and 5 inquiries. As a consumer this is very frustrating and against my rights according to the 1978 FDCPA 15 U.S.C. 1692-1692P.

EXPERIAN has displayed no proof of validation and only send me something generic saying its validated. 

I also sent them my police report and my FTC report which shows fraud from the accounts that I've disputed. FCRA 605B ( 15 U.S.C. 1681C-2 ) was also submitted to block these fraudulent accounts along with fraud inquiries, bankruptcies, and address. The accounts are hindering me from obtaining credit and housing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX provided me with an auto loan. The car was wrecked and totaled. I had insurance on the car full coverage as per the requirements of the loan. I requested the bill of sale so that the insurance company could pay the Creditor the loan amount. The Creditor never gave me the bill of sale after multiple attempts on phone and in writing. I will include where I attempted to get the bill of sale and was never given the bill of sale as an attachment.
Product: Debt collection

In XXXX XXXX let me know that someone had a hard credit inquiry at XXXXXXXX XXXX I immediately contacted XXXX back to let them know that this was fraudulent. They assured me the account was closed and documented as fraudulent. I then put a credit freeze on my information with all 3 major creditors. 

Today I received a notice from a Debt collector that states I owe {$2000.00} dollars to XXXX XXXX It does not disclose what this is for. 

I want to have a record that clearly shows this is not my debt. My credit score is currently XXXX and does not have any red marks/flags. I'm unsure why I received this.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 Care Credit charged my XXXX XXXX account {$1000.00} to pay off the entire balance of my account which they were not authorized to do. A payment of {$51.00} was not even due until XX/XX/2018. When I saw they had charged my account for the entire balance I called them. They told me, " I'm sorry that was a mistake ''. So I asked them to reverse the charge because my rent was due on the XX/XX/XXXX and I needed that money to pay my rent. They told me the fastest way to get my money back was to call my bank. I called XXXX XXXX and told them what happened and they reversed the charges. I then called Care Credit back and told them I got my money back and that I was going to make the payment of {$51.00} that was due. I made the payment of {$51.00} but my bank rejected the payment to protect me from them taking anymore of my money without authorization. When I found out the next day my bank had rejected the payment I called them and told them to let the payments go through. By that time Care Credit had closed my account. I asked them to please re-open my account because they were the ones who took my money unauthorized in the first place. They told me the only way they could re-open my account was that I would have to make two payments a day apart so they could see if they would go through and then they would re-open it. So I made {$150.00} payment on XX/XX/2018 to show good faith, and she told me I could make a {$20.00} payment the next day. I showed good faith again and made a {$50.00} payment on XX/XX/2018. Then I called Care Credit back and pleaded with them to re-open my account because this would ruin my excellent credit by closing my account. I have a {$7500.00} credit limit with them and I've never been late one time making any payments with anyone and that's why I have excellent credit. 

In closing, I have attached all the documents to support my complaint. Care Credit closed my account illegally, they took money from my bank account illegally and paid off my balance which was not even due, illegally. Then, just because my bank rejected a payment by mistake they closed my excellent good standing account and told me they could not re-open it. So I'm pleading with you to make me whole again by having them re-open my account. I am stressed out and depressed about my account being closed. I have family members who are authorized users on this account as well. 

Respectfully, XXXX XXXX
Product: Student loan

I need from Navient, my federal loan provider, information about the first payment plans I enrolled in right out of college. 

I have called twice ( XXXX XXXX, 2019 ) and this past week ( XXXX XXXX, 2019 ) and both times Navient told me they would sent a letter detailing all of the payment plans I have for my federal student loans for the past 10 years, especially the first few years. 

I have yet to receive this letter.
Product: Debt collection

XXXX XXXX  was notified that the information regarding XXXX XXXX was not accurate. XXXX XXXX refuses to talk about the debt stating it was sent to collection and sold
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 and XXXX  XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX  Account reporting on my Credit Profile in XXXX. I advised all 3 Bureaus along with XXXX XXXX XXXX  that I DID NOT open this account and this account IS NOT MINE. I did not notice this account reporting on my credit profile until XXXX when I had my credit reviewed trying to obtain credit. I disputed this account immediately and provided a police report in which at that time was requested. I do not currently have access to said report as this was over 2 years ago. 

After the dispute the bureaus sent me a response of verified, and XXXX XXXX XXXX  sends me something stating I opened the account online, address used, IP address used ( which they couldnt have possibly verified as mine ). 

I advised thier documentation does not consitute as validation of this debt, and to date I have not gotten a response, and it is still reporting on my credit profile.
Product: Credit reporting or other personal consumer reports

I filed complaint number XXXX on the CFPB website on XX/XX/2023 in reference to inaccurate information I saw on my credit report. I filed another complaint number XXXX on the CFPB website on XX/XX/2023 in reference to more inaccurate information I saw on my credit report. I have made these inaccuracies known to TransUnion. Nothing has been corrected on my report and TransUnion has claimed to have investigated and verified the accuracy of the information. TransUnion claims to have determined the information including my dispute information. TransUnion is accepting monetary gain from the furnishers of the inaccurate accounts as well as accounts that don't belong to me. TransUnion is engaging in parroting and TransUnion has not properly investigated ANY ACCOUNT furnished to my report and continues to defame me for financial gain. TransUnion has recently been found guilty of these same offenses by the CFPB and the FTC. TransUnion is claiming to agree to settle the invoice yet is requesting authentication documents that I do not have nor am I required to possess such documents by federal regulation, yet TransUnion has attained such nonpublic information against my will. I have never surrendered any non-public information or documents to TransUnion nor instructed TransUnion on what my report should entail, although they have taken it upon themselves to assume this vital role for monetary gain. Trans Union is still allowing collection attempts despite the accounts being under investigation because TransUnion is monetizing the inaccuracies on the report. These are the names of the specific items on the report in question, XXXX XXXX # XXXX {$700.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX {$220.00} the reason you for disputing is inaccuracy ; US DEPT OF EDUCATION # XXXX {$2400.00} the reason you for disputing is inaccuracy ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  ACCT IS PAID & NEVER BEEN LATE the reason you for disputing is inaccuracy ; XXXX XXXX XXXX # XXXX {$910.00} the reason you for disputing is inaccuracy.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

WellsFargo on XX/XX/XXXX reported XXXX days late. This is inaccurate there is still a pending payment for {$40.00} that has not posted but says posted/ pending posted.im guessing this is was caused an automatic reporting which is not correct because payment was made in time. I also called that week wells fargo can pull the recorded call to their office. I understand this is an error but please remove the recent late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! I have been trying to get this removed from my credit report. Someone opened a Chapter XXXX bankruptcy dismissed in my name years ago. It was listed on Experian, XXXX, and XXXX. It was list twice on all 3 bureaus. I disputed them and XXXX and Experian removed 2 different bankruptcy off my report. However XXXX only removed 1 of 2 off my report. The name was used to open XXXX was XXXX XXXX, that's not or never been my name. My name is XXXX XXXX and has always been. The address that was listed on court documents XXXX XXXX XXXX XXXX, Ga XXXX I have never lived at that address or ever used that address. Those two errors alone that should have made them remove the Bankruptcy. Also there hard inquiries that need to be validated and removed. I didn't authorize for these lenders to have ran my credit. I certainly didn't sign any documents for them to run it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX