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

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply.My name is XXXX XXXX My address is XXXX XXXX XXXX, XXXX, OH XXXX My DOB XXXX SS XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX
Product: Debt collection

I was a victim of identity theft in XXXX of XXXX. I was apart of the XXXX data leak. Since then I have received several random collections on my credit for services and credit cards I have never applied for or had. This new collection on my account quoted at being from " XXXX XXXX '' Is not owed by me. I have never had their services before in the past. I am seeking to report this and have the collection agency named " AMSHER COLLECTION SE '' looked into. I also request for any and all info to be provided to me to determine what this collection was for.
Product: Credit reporting or other personal consumer reports

This problem is still hear. They have done nothing even after I sent the court orders. All three credit reporting agencies refuse to remove this support order. I asked for a copy they have they refused to send it. The credit reporting agencies still show it on credit
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the failure of Experian, XXXX, and XXXX to properly investigate and address inaccuracies in my credit report, despite my previous submissions of accurate and up-to-date documentation. 

On XX/XX/2024, I submitted a report to the Federal Trade Commission ( FTC ) concerning fraudulent accounts incorrect addresses and inquires on my credit report. Along with the copy of ftc report, I provided Experian, XXXX, and XXXX with a copy of my driver 's license, a utility bill, and a bank statement to verify my current information. However, these credit reporting agencies have failed to conduct a proper investigation, and the fraudulent accounts and incorrect addresses remain on my report. 

These inaccuracies are negatively impacting my creditworthiness, making it difficult for me to apply for credit and other important financial opportunities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate accounts and addresses be promptly removed from my credit report. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that these credit reporting agencies comply with their legal obligations to conduct a thorough investigation and maintain accurate information.
Product: Credit reporting or other personal consumer reports

identity theft, These accounts XXXX credit managemen and National credit systems do not belong to me. I have no contract with either of these companies
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence Engelhardt V Gravens MO 281 SW 715,719 I presumed that no proof of the alleged debt, nor therefore in fact any such debt therefore exist! This company is violating my consumer right to privacy pursuant to 15 usc 1681 B2 company has also No permission to report anything using my information pursuant to 15usc 16814
Product: Credit card

I reported fraud on my account on XX/XX/2023. There were numerous charges for hundreds of dollars that I did not make. I immediately reported the transactions as fraudulent when I received an email notification about other charges that were declined. 

The fraud was reported and temporary credits were given but my available credit was not updated. I contacted Capitol One and they advised that the temporary credit was put on hold until the investigation is completed which could take XXXX  days. 

Providing temporary credits but putting them on hold seems illegal. Why post credits to the account if they are not able to be utilized. 

I am unable to pay my bills due to fraud on the account and the credits being on hold.
Product: Checking or savings account

On XXXX XXXX, they deposited two checks to my account, someone entered my account and made those deposits, one check was for XXXX and the other for XXXX. 
After this, the person who entered my account made shipments through XXXX, XXXX and purchases in XXXX. 
After this I put my complaint in the bank because my account had been overdrawn by an amount of XXXX dollars at that time, I made the request of my case in the bank and they opened 4 different cases related to the fraud that they made in my account. 
today, XX/XX/XXXX, a month after investigations at the bank, they told me that I had to pay the money from my account, something that seems unfair to me because the bank has no security whatsoever with my information.
Product: Student loan

I completed the rehab program their collection agency notified me about, and after I completed it, they started reporting my student loans on my credit report after over 8 years of not being on there and demanded much higher payments, both of which were not completely explained to me could happen since my loans were not on my credit report for being so old. I was in prison, which was cause of the default in the first place, so $ XXXX in student loans is currently over $ 29k and growing, despite me paying back for over 7 years. I am not crippled credit wise, and can not maintain the low payments I had been making for those 7 years. If I falter on the unrealistic payments they now expect, the new ding on my credit report will be even more serious. I feel trapped and tricked into doing this rehab, which was primarily done to get away from their terroristic tactics on the phone, which I previously complained about via the CFPB with no results. What was sold to me as a benefit has hurt me financially and also now on my credit with them reporting a previously unreported for years ( as the 7 year credit reporting guidelines expired on it ) and I was not informed it would affect my credit when they offered the rehab.
Product: Credit reporting or other personal consumer reports

ON MY CREDIT XXXX  I SEE THAT XXXX XXXX  BANK WAS LATE 120 DAYS. THAT IS WRONG. I CALLED THEM AND THEY SAID I WAS NEVER LATE. MY CREDIT REPORT FROM XXXX XXXX XXXX SAYS NEVER LATE ON ANY LOAN PAYMENTS, YET THERE IS A IT'S SAYS I HAD XXXX LATE PAYMENTS IN 12 MONTHS. I ALWAYS MAKE MY CREDIT CARDS PAYMENT BEFOR MY DUE DATE. THIS IS VERY DISTRESSING FOR ME. I AM A BANKER AND SEEKING A NEW POSITION THIS IS NOT GOOD ON MY CREDIT REPORT, ESPECIALLY WHEN IT IS NOT TRUE! 
I NEED HELP, PLEASE AND THANK YOU.
Product: Credit card or prepaid card

This complaint is in regard to the relationship credit reporting companies have with the credit bureaus they report to. 

The 3 credit bureaus in America recommend that no more than 30 % of available credit be used to keep a viable, useful, high score. High scores are needed for everything today. Even employers are currently checking credit.

I have had a negative response with Synchrony Cards ( mysynchrony.com ) when my credit cards are not charged to their maximum. On one card owned by Synchrony, CareCredit Card, my available credit was reduced from {$7000.00} to {$4000.00} because I kept an average balance of {$3000.00}. My official credit score fell by 100 points. My other Synchrony card, an online account through XXXX, was reduced from {$700.00} to {$100.00} then closed because I did not regularly keep an interest paying balance on the card. My score fell again another 40 points. I have been an excellent customer on both cards - never late, paying in full.

I feel that their corporate policy is in direct conflict with how credit scores are calculated. This company has a negative policy against responsible customers. Synchrony should not be allowed to report to the credit bureaus as they prey on all Americans.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Subject : Dispute of Inaccurate Debt Reporting and Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of an account on my credit report. The account in question, NRA Group , LLC has been improperly reported and requires immediate correction under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681i ).

This account was previously settled directly with the original creditor, [ Original Creditors Name ], on [ Settlement Date ]. Despite this resolution, the debt collector, [ Debt Collectors Name ], has failed to validate the debt in response to my written request dated [ Date of Initial Request ]. Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S. Code 1692g ( b ) ), debt collectors are required to provide written validation of a disputed debt before taking further action. Their failure to do so invalidates the legitimacy of their claims and reporting. 
Additionally, reporting an unvalidated and resolved debt violates the FCRA, which mandates that all information furnished to credit bureaus must be accurate and verifiable. The continued reporting of this account is therefore unlawful. 
My Demands : 1. Immediate Removal of the Account : I request that you investigate under the FCRA and promptly remove this inaccurate account from my credit report.

2. Notification of Resolution : Please provide written confirmation once the investigation is complete and the account has been removed.

Enclosed, I have included : Proof of settlement with the original creditor ( e.g., settlement letter, payment receipt ).

If this matter is not resolved within the 30-day period required by law, I will be forced to potentially pursue legal action for damages related to the inaccuracies. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that this error has been corrected. 
Sincerely, XXXX XXXX
Product: Debt collection

Activate Financial sent me an email of debt there trying to collect, I sent in a validation letter and I have not received any information per the letter I sent, they did however sent a letter stating that they have determined not validate or verify this account, by law it is my right to verify and dispute what is not accurate and they failed to do so and I DO NOT want this account reporting on my credit profile
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items 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 creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items 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 ). 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( XXXX ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX  XXXX Account Number : XXXX If can not be supported with documentation, this account must be removed from my credit profile. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account XXXX : XXXX Please remove it from my credit report. 


Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00}
Product: Debt collection

I owed XXXX on a medical bill, I told this company I would be more than happy to pay once I received an itemized bill explaining where the charges came from. At first they agreed. But a bill never came that stated the debt. Instead all I received was a bill with the date and the amount. I called again asking for an itemized bill and was refused. I was told that they would not and could not request another copy and thay if I wanted to know what it was pertaining too I would have to call the hospital myself. I also received a letter threatening legal action if I did not pay, and to notify my employer of the nonpayment. When I confronted them that this was illegal the response was " I did n't know that '' I have since made the payment on the bill but do not believe it is truly owed. As no proof has ever come to me. I did call the hospital and they claim it is for a XXXX, yet no bill has come yet.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the Equifax and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX and XXXX Partial Acct : XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.S. Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Money transfer, virtual currency, or money service

I used XXXX to send money to my sister in XXXX on XX/XX/XXXX. Money was not delivered as of XX/XX/XXXX. I filed multiple complaints with XXXX  and every time they come up with new excuse and ask me to wait. Please resolve this as money is urgently needed in XXXX to to COVID impact ( food and medicines )
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of a clerical error, our financial institution attempted to purchase insurance on our home on our behalf, which we did not agree to, causing a hard credit check.
Product: Student loan

I called Navient and asked if I could lower my monthly payments by a few XXXX dollars each month ( XXXX to about XXXX a month ). They told me that both myself and my cosigner needed to file a financial statement. My cosigner, who is also going through economic hardships ( divorce and alimony payments ) was denied because he makes to much per month, even though they did n't take in to account the money he is required to pay by law each month. I recalled and asked if their was any other option available and was quickly informed that there were not and that me or my cosigner were required to make the payments. I told the Navient employee that we both can not make the payments and that there has to be other options including the one I was currently looking at on their website which states that if you work under XXXX hours a week you are eligible for deferment. Currently I am looking for a full time position but am only able to work XXXX hours a week. The employee quickly told me that I was not eligible for deferment based on hours worked per week. When I asked why that option was on their website they had informed me that I was wrong and there was no such program.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting my free annual credit report, I am entitled to annually under the Fair Credit Reporting Act ( FCRA ) from XXXX XXXX, XXXX and Experian. Furthermore, I need my credit report released to all lenders, creditors, banks and credit unions.
Product: Credit reporting or other personal consumer reports

experian is reporting a unmailable fraudulent address on my consumer credit XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i have never lived there.please delete this address from consumer report.ive enclosed my current information see docs enclosed
Product: Student loan

my loan servicer fed loan servicing is failing to keep accurate track of the number of loan payments i have made with regard to public loan forgiveness. i have submitted the proper documentation and called to follow up multiple times. in addition i have previously received other borrowers private information via the mail.
Product: Credit reporting or other personal consumer reports

Someone just triggered a hard pull from SYNCB/AMAZON XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to both XXXX XXXX and XXXX  XXXX  XXXX that this account was re aged and that this in accurately reporting is hurting my credit in harmful way.ive tried to resolve this violation of my rights under the fair reporting act. Transunion and XXXX  shouldnt allow XXXX XXXX to repot a closed account be re aged with out an investigation
Product: Debt collection

Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX I have a debt on my credit report from Diversified Adjustment Service for {$130.00}. The debt is for a XXXX XXXXccount that I have never had. I have contacted the Diversified Adjustment Service over 60 days ago with no reply. I contacted them again 45 days ago and still nothing. I do not owe this amount.
Product: Mortgage

In XXXX XXXX we filed for a loan modification with Stonegate Mortgage due to a loss of job. We were simply asking for the removal of PMI, due to being over XXXX % LTV. We have had over 30 conversations with the company since we filed this, and get different answers almost every time. We were originally told the process would take 30 days, this drug in XX/XX/XXXX and were we given several conflicting reasons why. 

On XXXX/XXXX/XXXX, we were denied the modification due to " being current on our loan. '' This is an issue, because we are currently in Chapter XXXX and this same mortgage company threatened to file for foreclosure if we did not make a payment on the XXXX of every month, so we had to stay current. The HARP/HAMP regulations also state being current is not a dis qualifier. 

We were told we could file an appeal, which is basically an email to the person who denied us. We have tried to reach out numerous times regarding the appeal and the company keeps saying they are looking at it. They said they can not provide us any further information. This process has now drug on for almost 6 months, without any resolution.
Product: Debt collection

I paid off my consumer Loan with XXXX XXXX XXXX. Now Whitney Bank is calling me stating the loan was not paid off I owed them {$7.00} and now late fee charges because they have no way to see what XXXX XXXX XXXX did to process my payoff. I told them several times it was paid now they want me to locate the note stamped paid and bring it in to the bank to clear this up. I do not think it is fare for me to have to prove I paid off the loan prior to Whitney receiving the loans from XXXX XXXX XXXX. I did my part and paid off the loan now I have to prove to the company who took over the previous company I paid off the loan because they made a mistake.