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

I wrote to the credit bureau requesting investigation of inaccurate reporting leading to no resolution numerous times. The credit bureaus claimed that they have completed a reasonable investigation with furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report error on my credit profile, which is causing damage to my credit score. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy : 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section 2 : 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. 

Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Discover Card along with XXXX are in violation of Fair Credit Reporting Act 168 1b ( c ) for reporting 2 inquiries on my credit report. 
These dates are XX/XX/year> and XX/XX/year>. I am demanding that both of these inquiries be removed.
Product: Mortgage

In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion should not be reporting me as a authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX XXXX from XXXX - XXXX for a XXXX in XXXX XXXX. They used high pressure sales tactics and made no mention of the difference between private and federal loans, I was simply applying for loans through Sallie Mae at the time, all of which appeared to be federal. The school itself was deceitful, with some teachers unqualified to teach their respective courses and falsifying graduate statistics such as ~95 % of graduates being employed after graduation. I never obtained paying work in industry after graduation, which I've found is common after talking with many graduates. 

I am a XXXX v XXXX full-class member and my federal loans have already been forgiven for attending the same XXXX XXXX XXXX XXXX XXXX XXXX 

I have resided in XXXX  and XXXX, both states which XXXX XXXX 's came to a 'settlement ' with Navient for forgiving private loans, many from the same schools that are mentioned in XXXX that were in default for 7 months. I was in default for 6 months and Navient was relentless in calling friends and family ( my XXXX  is a co-signer on some of the loans ) but couldn't afford payments either. We came to a 'deal ' with the rep from Navient collections to go on a 1 % interest only rate for 1-2 years. By the time the terms were finalized, Navient had increased it to 3.5 %. Because I re-entered payment at the 6th month mark, I was not included in the XXXX case for forgiveness, even though I met every other requirement. 

For the above reasons showing misconduct, I request my remaining Navient private loans pertaining to the XXXX XXXX of XXXX XXXX be forgiven, as their counterpart federal loans are already court ordered to be forgiven and reimbursed as a full class XXXX member.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Money transfer, virtual currency, or money service

I sent the {$540.00} to a person named XXXX XXXX XXXX. I received a notice that the payment had not been sent. I sent it on XX/XX/year>. I notified the bank that I had sent the {$540.00} to the incorrect person. They denied the claim because the transaction had posted as requested. I asked for them to consider looking at the account history, as I send a payment to XXXX XXXX XXXX. They stayed there was nothing they could do to reverse the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was never late, posted as on time for XXXX and went back to late but it never was
Product: Mortgage

I 'm filing a complain against Wells Fargo Home Mortgage and the Real Estate Settlement Procedures Act ( RESPA ) which allows WFHM to collect for a minimum required escrow balance in addition to the funds we collect for your property taxes and homeowner 's insurance ( yearly ). For California, the allowable minimum requirement is 2 months of escrow payments. This would be considered a WF requirement as RESPA allows for us to do so. Well, my wife and I makes over $ XXXX/year last year and we have to pay {$2100.00} monthly mortgage based on 4.5 % APR. I strongly believe that the minimum 2 months balance is highway robbery. I was wondering what is CFPB is doing about. I have e-mailed my local XXXX. Congressman, XXXX XXXX, to start a bill in XXXX to repeal this act as it hurt XXXX of strong middle-class Americans like my wife and I. I might take it further to my California XXXX. Senators and also to XXXX XXXX Obama also. Thanks, XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I was a victim of identity theft. XXXX XXXX XXXX in XXXX, CA sent medical bills amounting in over {$6900.00} into collections originally through XXXX. This was done by a parent whose child was XXXX XXXX ( XXXX XXXX XXXX ) at an address Ive never lived before! The credit bureaus still refuse to remove this address after multiple attempts. 

I filed a police report with XXXX, ca police department and did an identity theft with the federal trade commission on XX/XX/. After completing this lengthy process this debt was removed from my credit. It seems that after XXXX closed it they sold the debt to another collections agency National Business. 

I disputed these accounts and the credit bureaus are refusing to remove it from my credit! So Im a victim of identity theft and these collections agencies can continue to sell these debts and put it on my credit again and again! I need help. 

Every time I call the creditors they arent able to find my information because its not ME. It happened with XXXX and now financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a XXXX account nor XXXX XXXX XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit
Product: Money transfer, virtual currency, or money service

cashapp took money from me when my card was locked and theres no one to get it back or a solution
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft. I have done everything humanly possible to recover from this. I hav sent to all.3 credit agencys a copy of police report, FTC complaint form, accompanied by credit report identified errors. Thy told me acct verified, so I resubmit my paper work and didnt do nothing but bring my score to XXXX. These are acts that hav to be blocked permanently because I didnt authorize and were open in my name. 
XXXX XXXX says I ow e XXXX. Thats wrong. Its a laseee. I pay XXXX/month and nvr been lat because its auto ded from checking. And the screen shot is all acoustic to fraudulently opnd and must b permanently BLOCK. And remove all inquiries!
Product: Debt collection

I am seeking to validate and verify this alleged debt. This alleged debt is reporting on my consumer report and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account charge off settled in full for {$810.00} on XX/XX/2020 with collection agency Global Radius Solutions. Account still shows active on my credit report. Have reached out to both XXXX and Global Radius Solutions, both entities are aware that account has been satisfied, but nothing has been updated with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX I am sending my Affidavit from the Federal Trade Commission which state the student loan for {$49000.00} is fraudulent and not mine. 


The FTC advice me to close this account due to identity theft. I have filed a police report. The Department of Education has already started an investigation. The student loan for {$49000.00} is fake because XXXX XXXX legally was not my lender nor owner of my student loan. XXXX never sent me any legal document I signed for a loan in the amount of {$49000.00}. XXXX never sent Disclosure statements required under the Higher Education Act. Truth IN Lending. So close this account while the investigation is in process with the FTC and Department of Education and other law enforcement.
Product: Credit card or prepaid card

Due to being at high risk for contracting COVID-19, I was not able to enter the bank branch to withdraw cash. I did not have my debit card, so I used my credit card to access the ATM to withdraw cash. The ATM ONLY disclosed that a higher APR would be charged to withdraw the cash, but did NOT disclose that there would be additional fees related to the amount of the cash withdrawn as a cash advance fees. I discovered these fees on review of my statements today and attempted to request a waiver from the bank. The request was denied as to all but one transaction fee of {$10.00}.
Product: Debt collection

XXXX XXXX XXXX turned an account over to a collection agency named Caine & Weiner to collect a debt that I do n't owe and that was as a result of identity theft. I have made both XXXX XXXX and Caine & Weiner aware that this debt does not belong to me and was as a result of identity theft but both of them have ignored me. XXXX has had agents threaten me when I have called them to make the aware that this was fraud and told me that I needed to just pay it or that they would have me arrested. I have tried to have communications with this company multiple times but they continue to threaten me and intimidate me. The very same is true with Caine & Weiner there agents are also unethical, when I have called in to their collection agency to allow them to know that the debt they were attempting to collect was fraudulent, they have also threatened to have me arrested if I did not pay the debt that I have explained to them that I did not owe and was as a result of identity theft. I have been yelled at and cursed at by the representatives at Caine & Weiner. Both Caine & Weiner have told me that they plan to continue to defame my character and hold me liable for this fraudulent debt until I pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened my XXXX XXXX XXXXXXXX  account and see that I have a past due credit card bill to BARCLAYS BANK DELAWARE for an account that was opened on XX/XX/XXXX in my name. I have contacted BARCLAYS BANK DELAWARE and told them this is a fraudulent account on multiple instances but it is still showing up on my credit report on XXXX, XXXX, and XXXX. The information displayed on the overdue " closed account '' is as follows : Account name BARCLAYS BANK DELAWARE Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Past due 120 days Status updated XX/XX/XXXX Balance {$6300.00} Balance updated XX/XX/XXXX Credit limit {$7000.00} Monthly payment {$170.00} Past due amount {$690.00} Highest balance {$7200.00} Terms Revolving Responsibility Individual I have disputed the claim through the crediting bureaus but BARCLAYS BANK DELAWARE refuses to take it off of my credit report even though I have spoken to them on the phone multiple times to tell them this account was opened negligently in my name. Their contact information is : Address po box XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked XXXX how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like XXXX XXXX. I will not accept another reinvestigation of the information Only deletion of the information. Also they are reporting incorrect addresses as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address
Product: Credit card or prepaid card

In XX/XX/2018, I make an online purchase and changed my mind after realizing I didn't need the things I selected. The next day called store 's customer service to cancel the order and was advised order was being processed therefore to cancel the order don't pick up the order at the store when notified. A few months on XX/XX/2018, I received a bill with a new balance for the canceled purchase for {$70.00} plus unknown fees of {$1.00}, totaling a new balance of {$71.00} for XX/XX/2018. Upon viewing the bill I called customer billing service, after much back and forward discussion it was agreed the charges stemmed from the canceled order and would be corrected. I now see after viewing online bills starting with XX/XX/2018, the order price of {$70.00} was removed from my bill leaving the remaining balance of {$1.00} to incur interest for each following month. Accumulating in a new balance for this account of {$100.00}, including an expired refund check for {$1.00} on XX/XX/2018, a late fee of {$32.00} on XX/XX/2018, an interest charge of {$2.00} on XX/XX/2018 and an Account Assure fee of {$2.00} on XX/XX/2018 for insurance that offers no benefits to me considering I'm unemployed due to retirement. Creating a total new balance of {$100.00} for the month of XX/XX/2018 with a warning : Late payment warning : If we do not receive your minimum payment by XX/XX/2018 you may have to pay up to a {$38.00} late fee. All of this for a canceled order that I never taken possession of - there was no fair trade or agreement in this entire process.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit file with TransUnion that was caused by identity theft. I am requesting that you block and delete this information as per the provisions of 15 U.S. Code 1681c2, which mandates that consumer reporting agencies block and delete information resulting from identity theft once proper documentation is provided. 

TransUnion has deliberately removed the ability for consumers to initiate disputes directly through their online platform, effectively forcing individuals to submit their claims via traditional mail. This calculated maneuver not only introduces unnecessary hurdles in the dispute process but also significantly extends the timeline for resolution. By imposing this cumbersome requirement, TransUnion is creating an undue burden on consumers, potentially discouraging rightful disputes and delaying critical corrections to credit reports. 

This shift in policy raises serious concerns regarding consumer rights and regulatory compliance. The Fair Credit Reporting Act ( FCRA ) was designed to ensure accuracy and fairness in credit reporting, yet TransUnions recent actions appear to be in direct conflict with these principles. By eliminating digital dispute options, the credit bureau is imposing arbitrary barriers that disproportionately affect individuals seeking timely corrections. This practice may not only warrant regulatory scrutiny but could also be subject to legal challenges for unfair and deceptive business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  it show 2 XXXX XXXX loans both different amounts and open at different time. I never received documents of amount owed once account was closed. All 3 credit bureau show different closed dates and information. Student loans closed paid in full on XXXX  and XXXX  but shows open with balances owed. All student loans are satisfied. Different amounts past due on credit card balances and different dates. XXXX has duplicate reports of same accounts. This has lowered my score drastically with improper reporting and duplicating accounts as well as incorrect reporting. I've disputed items with the credit bureaus with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully drafted a letter after reading about fixing my credit on my own.

I have wrong names and addresses and previous employers that are wrong and mutiple accounts that are labled as charge off with balances still owed and that is illegal to report that along with the fact I never recieved a 1099 for these items and some other accounts I was not late on and don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from the credit bureaus in regards to a unknown collection account from XXXX XXXX XXXX XXXX in the amount of {$940.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation and to send my a signed contract with my signature and the agent disconnected the call. XXXX XXXX attempted to collect on this fraudulent account as well and they weren't able to validate the debt it was removed from my credit file XX/XX/XXXX. XXXX  XXXX  purchased this fraudulent account XX/XX/XXXX and just reported it on my credit files XX/XX/XXXX. XXXX  XXXX  needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft.