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

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Nelnet reported XXXX of my student loan accounts as being 90 days late. I knew that my student loans should have been in COVID forbearance that was federally mandated, so I called Nelnet to find out what the issue was. I was informed that all XXXX loans had been sold to a private financial institution without my knowledge or consent, so they did not qualify for forbearance. However, upon speaking with the agents ( I called twice, and recorded both calls which I can produce if needed ), I was told that this was an error on their part and my loans were placed into the COVID forbearance. I was also told that the late payments ( which dropped my score over XXXX points ) would be removed, but they never were. 

In XXXX, XXXX I consolidated all of my loans and moved from Nelnet back to Great Lakes. I didn't check my credit report again until the beginning of this year ( XXXX ). Upon checking, I found that all XXXX accounts were reporting as 90 days late for XXXX, XXXX. I disputed their reporting at all XXXX  CRAs and they then moved the late payments to XXXX, XXXX. I disputed again a month later, and the late payments were moved to XXXX again. Upon the third dispute the late payments were moved yet again. However, they were reporting that I was on time the month prior to the late payments ( instead of being reported XXXX, XXXX, then XXXX  days late ), which is inaccurate reporting. 

I have also filed a complaint with the Department of Education and Nelnet has once again denied that they are reporting inaccurately, stating that those loans weren't part of the COVID forbearance - yet once I found the error in XXXX, those loans were put into the COVID forbearance immediately. Furthermore, how can federally backed student loans turn into private loans without consent or notification? These loans were not taken out as private loans, and so should have qualified for the COVID forbearance. I am confused about how this was permitted to happen, and am certain that my rights were violated. Finally, their reporting that I was on time XXXX month, and then 90 days late the very next month, which is an impossibility. 

Clearly, Nelnet has XXXX intention on reporting these accounts accurately and has made a game of moving around the late payments with each dispute. I am at the end of my patience with Nelnet and will likely proceed with litigation if the CFPB is unable to resolve this by having those XXXX accounts deleted from all three credit reporting agencies.
Product: Debt collection

Carmax Account # XXXX The carmax account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this
Product: Money transfer, virtual currency, or money service

I was using Venmo buy and sell goods..i wasn't doing anything wrong that i know of all the sudden they froze my account with no reason why i still have XXXX in the Venmo account they will not unfreeze it so i can get the money out..i am a XXXX  mother  of XXXX boys i don't have a job and i depend on that money to pay my bills and buy food for my kids..i wasn't doing anything that went against their rules..i have emailed them spoken to them chated with them and they will not give me a reason why..the permitly desactived my account with my money still there.
Product: Debt collection

I have attached details and the letters I am sending today in a final attempt to settle this issue. I have spoken to agents on multiple occasions and I did ask them to stop calling and send me written communications. They are now calling me with unknown numbers and have done so 3 times. Now this weekend over XX/XX/XXXX break they contacted my ex-wife and discussed the issue with her prior to speaking with her father the co-signer. I will submit a notarized and signed affidavit from her if requested. Lastly SIMM Associates is the 4th agency trying to collect on this debt within the past 10-12 months and XXXX XXXX XXXX ( XXXX ) continues to fail to produce evidence they own the debt, and they illegally collect {$1400.00} from me as " good faith payments '' on a debt that had not yet been validated.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for a card with CITI in XXXX of last year knowing I needed to replace the roof on my lake house and planning on using the 0 % balance transfer to help. I was approved for a card with a {$6500.00} limit. I transfered XXXX over to it. Then I proceeded to pay it down each month. This month I made a large payment that brought my balance down to {$1900.00} and some change, the day after clearing they lowered my limit to around {$2100.00} dollars. 
As a direct result of me carrying a high balance on that one card my credit score had been lowered due to the usage percentage, and when I made a payment to raise it back up they lowered the limit to make it worse than it was before. 
I contacted them via phone and was assured they would reinstate my old credit limit as I had never missed a payment and always paid more than the minimum amount and there was no reason to lower my limit. A few days later I received a message saying my increase was denied. 
I contacted them again today and they can offer no further help.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven on XX/XX/year>, but Transunion still shows them as open debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everything that's on my credit b is false I have no credit the only thing wrong with my credit is is hospital fees and Some school debts and 2 bank accounts that I overdrafted.i have had 1 car rental repossession and that's it If needed I can produce evidence that I had no knowledge of any of the things I'm seeing on my credit report these are my ex girlfriends who used me and abused my kindness and have to stolen me. from me and have lied on me and drug my name thru the mud.they have had all these cars, clothes, houses and
Product: Debt collection

I started getting phone calls from Southwest Credit Systems in XX/XX/XXXX. The man who called me told me I owed {$640.00}. I asked who I owe and was told XXXX. I told him that amount was not right and I only owed {$110.00}. I also told him that I had not received anything from them. I did get a letter with a reference number and dated XX/XX/XXXX. It stated as of XX/XX/XXXX I owed XXXX and being charged {$260.00} in fees for a total of {$640.00}. Those amounts are incorrect! The math is wrong. The last time I spoke to someone I told him I didn't owe him anything and quit calling me. Then they put it on my credit.
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debts in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the databreach at Equifax I believe I have been victim to ongoing identity theft. I am unable to verify my identity with XXXX  e-verify as well as any service which uses Equifax. I have repeatedly contacted Equifax by phone to unlock my account which locked me out of the ability to login for over a year. I refuse to send Equifax copies of my personal identification by mail for verification. I do not trust Equifax nor do I consent to them having or using my personal data. Because of the data breach at Equifax my financial life is severely damaged and I will not send them anything as they can not be trusted. I have no issues verifying my identity with XXXX XXXX or XXXX. However Equifax has false adverse actions on my report which I need to review and can not. 
I am able to provide correct answers to all my verification requirements by phone however they demand these documents which I refuse to provide. I have explained time and time again that I need to verify what fraudulent adverse accounts are being shared by Equifax. 
I have verified my identity with the XXXX and XXXX XXXX XXXX in person and Equifax could easily check public records to verify facts like property ownership and LLC EIN or any other info. I refuse to send them my license and ssn # cards. How can I know they will not misplace or improperly dispense of those copies? I do not trust them. They are required by law to provide my report and that report is filled with fraudulent information which I am unable to address due to Equifax failure to keep my information safe.
Product: Credit card

I had a Care Credit by XXXX back around XXXX and they closed it for non use, I had it for emergency vet bills. So I re-opened a new card in XXXX. It had a {$XXXX} limit. Learning they close for non use, I made sure I always kept a small balance because I live paycheck to paycheck and need the card for Vet bills. Normally it would be $ XXXX. When I paid it down, wed go in for her appt and shots. The minimum payment was {$XXXX} and other then a few times a year, like when my insurance bill hit or XXXX, Id pay {$XXXX}. I can only think of a couple of times I forgot to make a payment, mainly because I took it out of my checkbook and forgot to actually pay it, but I did so within the next day. 

Ive never had any negative communication from the company in regard to the account. 

In the Spring we made a few emergency Vet visits, XXXX actually, because of a breathing issue. So the account went to {$XXXX} but not over. So, Ive been paying the usual {$XXXX} and got it down to {$XXXX}, when they sent me an email that they cut my limit to {$XXXX}. Really, whats XXXX XXXX of {$XXXX}? I was shocked and upset because the account was used only for vet bills, it was XXXX XXXX XXXX and in good standing. 

There reasons seem actually comical. 
1-the current ratio of balance to credit limit is too high ( I owed less then half ) 2-The average payment on the account in the last 6 months too low. ( Minimum payment was {$XXXX} and I paid {$XXXX} ). 
3-The ratio of last payment to amount due on this account is too low. ( That may have been my insurance month and I paid {$XXXX}, minimum payment not an underpayment and the balance was {$XXXX}. 
4-The number of months since the account was open is too low. ( Its XXXX XXXX XXXX! ) There response was that it was there right and in their CC agreement along with my credit history. I havent made a late payment on anything in 5 years. I think theyre being ridiculous and their response just as ridiculous. 

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

After not telling me anything as to why XXXXXXXX XXXX closed my account, they have caused it to be nearly impossible for me to open another bank account with any other bank! This happened around XX/XX/2022. Without a bank account, I can't get paid and it's causing me so much stress ; I can't pay my rent because I don't have access to any of my money.
Product: Credit card or prepaid card

As of XX/XX/2019 the account was Charged Off. Since the company is in violation of 16 CFR 433.1, 433.2, and 433.3 and this should have been an open ended account, they are posting false and misleading information in the public, which is causing damage to my person. 

The account says closed, but they are still doing inquiries into the account without my express written permission to do so. 

These are in direct violation of : 15 USC 1692c ( a ), ( b ) 15 USC 1692b 15 USC 1681b 15 USC 1681s 15 USC 1692e ( 8 ) 15 USC 1681n Pursuant to the 15 USC titles above, this is evidence that I am being subjected to custom and usage practices of BARCLAYS BANK and injury has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made multiple attempts to resolve all the mistakes on my credit report with all three major credit reporting agencies. starting on XX/XX/22 i wrote letters to XXXX, Equifax, and XXXX i got no response at all first issue at hand is an account from XXXX XXXX being reported Soley to XXXX and Equifax on my report its in complete violation of 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 highest balance shows different amounts account status shows paid on XXXX but show derogatory on equifax last reported dates show different dates date last active shows different dates date of last payment shows different dates as well i would like this account completely removed from my credit report immediately please and thank you
Product: Credit reporting or other personal consumer reports

Dear Sir or Lady : I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached. Send me an updated copy of my credit report and please block and remove all information from it. The following products were obtained through fraud that I did not authorize and are not mine : In accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates that these accounts be deleted within 4 Business Days of receipt, block and destroy all information arising from identity theft. Thank you Block and delete accounts. 

XXXX XXXX
Product: Debt collection

Account is not mine, Identity theft/fraud alert. Amount is {$26000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX  Balance : {$660.00}
Product: Vehicle loan or lease

Bridgecrest is not updating my ledger in recent activity in refusing to document my latest payments made on XX/XX/XXXX and XXXX of {$25.00} and {$160.00}. They also have refused to send paper statements at my request.
Product: Student loan

My wages are being garnished, I had no idea this was going to happen till I got the letter from my work stating it was, and saw on my first paycheck. I would like to have the garnishment stopped and start a payment plan, the garnishment is to high and is cause major finical hardship. I cant seem to find anyone who can help me with this. My old loan provider ( Nelnet ) has no information for me and I cant seem to get ahold of anyone with the department of education collections. Please help.
Product: Credit reporting or other personal consumer reports

5 HARD INQUIRIES IN MY XXXX  CREDIT REPORT 

1XXXX 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
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and would like for the files listed below to be reviewed. The details listed on the report is not mines and should be listed as fraudulent activities made on my report that wasn't of my knowledge.
Product: Student loan

Hello, I have noticed that my len der, Navient, is not applyi ng extra payments I am making to my loan in a way that maximizing my repayment. I followed instructions on the cfpb website with regards to how I wanted my payments to be handled and emailed my instructions to the lender. They shared that they could not set up in advance how to handle extra payments, but rather that each time I paid an extra amount, I would need to wait for the payment to post and then email instruction s ( corresp ondence attached ). I als o called Navient  on  XXXX  to receive additional details that they told me another method would be to send them a check and then send instructions every time I mailed a check. I pay a bit extra every month so this is not a realistic or consumer-friendly policy.     Next, they have an error on their site, they say that you can not add more than the minimum about to you auto payment. It says " Your recurring Auto Pay amount ca n't exceed your monthly payment due at this time, but you can pay more on a one-time basis by selecting Make a Payment in  the navigation menu  and specifying an additional amount for any loan enrolled in Auto Pay. '' However, when I called the lender on  XXXX , they told me that I could pay more than the amount with the autopayment ( ACH ), but that they had to set it up over the phone and that it would " change the terms of my loan. '' When I pushed her on what she meant by change the terms, she said she just meant changing the payment schedule. I asked that she please send me all the details in writing and shared that they are sharing erroneous information on their web portal with their borrowers regarding payment methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Opened CitiGold account in XXXX 2015 for XXXX TYP promo. Met requirements within the allotted time period ( 2 bill pays within 60 days ). Verified multiple times over the course of a few months that the requirements were met and the points would post. Waited for the points to post and they never did. I have screen shot records of the promotion and the verification that I would receive the points. I have been bait and switched by an offer which has not been fulfilled. CitiGold is defrauding customers by offering promotions and not honoring them. I should be entitled to XXXX points worth {$500.00}.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX - XX/XX/XXXX - {$3300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

XX/XX/2021. I was sleeping at a buddys house for a XXXX party an someone stole my whole wallet with my SS card in it as well as my debit card an ran me XXXX $ in the whole with Truist banking