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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

JPMCB AUTO XXXX Balance Owed : {$6200.00}
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my prior request for an investigation into the errors on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information still appears on my report, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, the errors I highlighted in my initial letter are as follows : - XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - XXXX XXXXXXXX Balance Owed : {$1200.00} Date Opened : XX/XX/XXXX - XXXX XXXX  XXXX Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX I respectfully request that TRANSUNION resolve this matter without further delay. PLEASE DELETE THE ACCOUNT MENTIONED ABOVE PROMPTLY. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus must investigate disputes within 30 days of receiving a formal request. However, more than 30 days have passed, and I have yet to receive any resolution, confirmation of an investigation, or update regarding this issue. The continued presence of this incorrect information has significantly harmed my creditworthiness, resulting in credit denials, higher interest rates, and emotional distress. This delay diminishes my confidence in the reliability and effectiveness of your processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit. The fraudulent inquires are below : XXXX / XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TransUnion allegedly verified this debt as belonging to me but provided no evidence they did a reasonable investigation in the matters at hand. I do not recall receiving any documents that verified this debt. Furthermore there can be no verification because I did not have a contractual agreement with this company that would have required me to repay this debt. There has been no court ordered judgement rendered against me so I do not have an obligation to repay this debt. Transunion is using deception to damage my report because they are paid by these companies to report fraudulent information and TransUnion makes money from selling consumer reports. They are listed on the SEC website as a publicly traded company that sells data. I never gave any such permission for this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint once again to remove the fraudulent items off of my Credit File. My credit report appears to have been corrupted. I was looking over my records once more when I discovered a lot of information, accounts, or other things that did not belong to me. Due to my meticulous study, I discovered that you are required by law to erase and block any accounts or information that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the necessary FTC Report for your records and the bank 's. Please get rid of the following things as soon as you can : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX Balance : {$460.00} XXXXXXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I will need all paperwork bearing my signature if you think there's a chance these accounts might be mine. Please be aware that I will take legal action if you don't offer any records while saying the item is verified. Both my attorney and I do not enjoy gaming. Thus, abide with the law so that this situation can be resolved quickly.
Product: Mortgage

I received a notice from the county stating that they have not been receiving property tax payments. I contacted the county to ensure that there were no clerical errors on their end. From talking with them, they said that they had received some of the tax payments, but have not received others. They said that I needed to talk to my mortgage company to get things all sorted out. According to the bills from BSI Financial Services ( my loan servicer ), I have been paying escrow. I contacted BSI to make sure that they have been doing everything on their end. The person I talked to on the phone confirmed that I was paying escrow, and said that she would forward the information on to the tax department to make sure that they had been taken care of that. That was a few weeks ago, and I have not heard anything back since then.
Product: Debt collection

On XX/XX/2018, I received a copy of a letter sent to my attorney who was representing me in a family law matter. Prior to this, the alleged debt was disputed pursuant to the Fair Debt Collection Practices Act and no validation was given to me. The company, Resurgent Capital Services, was not notified that Mr. XXXX was representing me and did not have my express permission to contact him.
Product: Debt collection

They contacted me via the mail about having a debt and tried to take a garnishment out. I reached out to get proof of the debt which I was never provided. They called, mailed and served my employer with court documents saying I owed this debt. My employer refused give out information as they believed it to be a scam. They then went and filed a court case to have my employer now with a judgment that they owe for legal fees as they refused fill out any information about myself as they had no proof of the debt.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report an noticed several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these Items for me to ensure accuracy. Here is the items I am asking you to verify as accurate : XXXX XXXX XXXX ACCOUNT # XXXX, AN ALSO XXXXXXXX XXXX Account # XXXX
Product: Debt collection

Comenity Bank has called me 5 times today regarding collecting payment on a credit card that I have already communicated with them about - it 's maybe a month behind, and I let them know via messaging on their website that I was going through financial hardship. Comenity does n't care about this ( why would they? ). I added my number to the Do Not Call Registry - they still called. Besides the incessant calling, they called from an Unknown number, and the customer service rep, " XXXX, '' refused to immediately identify himself. He then got extremely sarcastic and condescending with me when I told him that Comenity was harassing me by contacting me multiple times per day when I added my number to the Do Not Call List, and told him to have Comenity stop calling, otherwise I 'd be reporting him, to which he replied, " OH YOU GO AHEAD AND DO THAT. '' Comenity has also called my father multiple times to try and reach me, which is a violation of the FDCPA. I have contacted an attorney.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

During a time of Incarceration XXXX XXXX allowed someone to use my identifying information to open several loans and account and bank accounts.
Product: Debt or credit management

I filed a dispute with Capital One. My accounts were opened up fraudulently by a family member XXXX XXXX XXXX. My name is XXXX XXXX. I have now filed XXXX fraudulent claims. He opened up other accounts such as discover and XXXX. Those companies acknowledged the fraud and closed the accounts immediately. However, I had had problems with the investigation department for capital one. I am asking that this company be investigated. All of the purchases on the account were made in Florida. My residency has been with XXXX XXXX  XXXX. I have never lived in Florida. My identity was stolen by a family member who owes thousands of dollars in bankruptcy. Capital one has done very little to help. While a claim was filed I was denied the ability to email documents or provide any further information. While they even have access to full proof of purchases because this family member listed me as a primary holder of the account it is hard to prove. However, when looking that all the purchases were made in Florida while the police report was filed in NY it seems obvious that the accounts are fradulent. The other card companies such as discover even found proof of where the purchases were made and identified him as the suspect. I am asking that Capital One be investigated regarding how they complete their determinations of investigation because I never opened up these accounts. I had no knowledge of them for several years. I was in college and did not know the first thing about opening up an account. I always had co-signers. The fraud had been going on since 2020. He has a history of doing this and his name was linked on not just capital one but XXXX, XXXX  and XXXX  XXXX XXXX. I am still waiting for the response from XXXX XXXX XXXX So far both XXXX and XXXX  acknowledged it fraud. This report is regarding capital one and how they handle fraud.
Product: Bank account or service

Hello, I was subject to multiple " unauthorized chargeback '' scams on PayPal. 
at XXXX i received a notification email from PayPal saying a case had been filed and required a response from me. 
At XXXX I received an email thanking me for getting in touch ( which i had n't, i was asleep ) and that the case had been resolved in favour of the buyer, as i was not " eligble for seller protection '' insurance. 

This can not have been properly investigated and i feel PayPal are punishing me for not using the seller protection program. There is no way they could have investigated this case thoroughly and i am now left out of pocket with a negative balance which i am sure PayPal will pursue.
Product: Credit reporting 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.

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 inst

ructions 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: Credit reporting or other personal consumer reports

I am writing to seek assistance regarding a student loan entry that has recently appeared on my credit report. This entry is either inaccurate or was posted without my knowledge. I have reviewed my records and do not recognize this loan as legitimate. 

Here are the key details of my situation : Name : CENTRAL RESEARCH INC/DOE Date of Credit Report Review : XX/XX/year> Details of the Student Loan Entry : {$750.00} and {$430.00} I kindly request your guidance on how to proceed with disputing this entry. I have already contacted the credit reporting agency and the loan servicer but have not received a satisfactory resolution. 

Please let me know if you require additional information or documents to investigate this matter. I appreciate your time and assistance in helping to ensure the accuracy of my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XXXX - XXXX My account ( identity ) was compromised. I tried to contact creditors and explained but they didn't listen me and provide any proof and gave to collection agency. I am really tired and gave up. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.

All these are unauthorized inquires.
Product: Debt collection

I went to XXXX XXXX ER on XXXX/XXXX/XXXX, I paid my co-pay during the visit. 

XXXX XXXX XXXX XXXX tried to use/bill incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted CommonWealth stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas. 

XXXX of Texas denied their claim stating the submission was XXXX months past service date, and I was liable for {$0.00}.
Product: Student loan

XXXX shows me still on this loan. I was removed from it in XXXX, 2015. I originally co-signed my nephew 's student loans to attend XXXX XXXX XXXX, but assumed full responsibility for his loans one year ago.
Product: Debt collection

I mailed out four dispute letters via certified mail and notarized to verify the collection debt on my credit report. The collections I'm referencing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received responses from XXXX  and XXXX  stating they verified the debt but I have not received any proof of this unverified debt. I have contacted the collection agency myself and asked for validation of the debt which I didn't receive. How is it that XXXX  and XXXX  have verified the debt but I contacted the collection agency directly and failed to obtain verifiable proof? According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXX   didn't report this collection because it is unverifiable. 

I sent my first round of letters to XXXX  and XXXX  on XX/XX/2020. 
Second round on XX/XX/2020 Third round on XX/XX/2020 Fourth round on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a car loan back in XX/XX/XXXX. I called the loan place towards the ending of XX/XX/XXXX letting them know I would no longer able to make payments due to me losing my job an they needed to come pick up the car. I moved away in XX/XX/XXXX to XXXX XXXX NV. They took a whole six months to come pick up the car because I had to call them back again in XXXX of XXXX to asked them why havent picked up the car yet so like a week later they came an got it. While me living in XXXX XXXX for the year of XXXX they had my account active and open charging me late payments for the whole year of XXXX as if I still had the car in my possession. I disputed it with XXXX credit union an they closed the account but still charging me those late payments with The same amount loan but the car has been resold for less the amount they are charging me. Also I wrote them a letter stating the same issues asking why are they still charging me an I give them 30days to respond if not this was my official request to have the loan deleted off my credit report. I sent the letter off as certified mail an it was delivered to them XX/XX/XXXX way before the whole Covid 19 took place. Also it has passed the 30 days since they received it an have not responded to my letter
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is 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 first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly? 
Who verified these accounts? 
They 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 they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX  ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX.
Product: Mortgage

XXXX approved the streamline flex modification before the changeover to PNC bank. 
None of the forbearance payments are reflected in new loan paperwork that arrived over the weekend. PNC is unlawfully inflating the amount owed on the loan and not keeping to the agreement made by XXXX. I asked supervisors to fix the errors and the errors are getting worse.
Product: Debt collection

Dear Cfpb, XXXX XXXX XXXX XXXX : CREDIT COUNSEL INC Original creditor : XXXX XXXX XXXX XXXX opened XX/XX/2020 Amount : XXXX On XX/XX/2020 the Secretary of Education directed the office of Federal Student Aid to provide the following relief on ED-held federal student loans : suspend loan payments stop collections on defaulted loans set interest rates to 0 % for a period of 60 days On XX/XX/2020, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XX/XX/2020.

On XX/XX/2020, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XX/XX/2020. 

Despite the fact that ongoing litigation case detail here XXXX XXXX XXXX They won't respect the rule and laws, Put my credit score in dangerous and harmful during this pandemic is very unconstitutional. 

The federal loan often 10 years, but many don't know that before having a chance to pay back the federal loan.

.

These corp private school loans already put these dreams under collection after a 2-3 years loan term. 

What's I know now after enrolling and graduated. In contrast, they haven't completed any commitment and promise in the contract from a business point of view. 
Frauding process and education plan, the structure education plan prepare under XXXX systems, and that plan to destroy US education systems as a goal. The government must act. 

Example : All high education colleges require accreditation as required by law. 

The private school claimed accreditation that is false, it's an invalid search in the student clearinghouse, it's also mean Non-transfer credit eligible to any US college. 

Non-report data success transfer college in the private school.Non-transparency. 

Again, these corp private school is intended to manipulate the system for this interest, and they go after vulnerable students and that is exactly what is this United Education Institute did. 


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

I am in dispute with XXXX, XXXX and Equifax over a collections account. I sent a letter in on XXXX/XXXX/2021 and it has now been over 30 days so this item should be removed immediately. Please refer to the attach letter that was mailed to XXXX and XXXX.