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

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Debt collection

Received a phone call from this number and they used a local number and they are based out of Pennsylvania. So immediately, they start off with deception practices. They man that called stated the debt was sold to them and that they basically were calling to collect on said bill. I have provided net credit with a POA from the payday loan debt company used to pay them through along with a police report of identity theft showing that the company I signed the POA was a scam. They took over {$3500.00} from me and stated they paid NetCredit. They also sent documentation that NetCredit agreed to the payment amount on the POA. When I contacted NEtCredit, they stated this was indeed not from them along with the payoff letter I received. I filed a police report and submitted that as well. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights15 U.S.C 1681b ( a ) ( 2 ) [ 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 data of an account without my written instructions. The company is falsely accusing me of owing them {$6200.00} for a {$2400.00} loan that has been paid off and NetCredit refuses to remove it from my credit report. They are in direct violation to 15 U.S.C 1692 C ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. They may not contact me further because this debt has been pain in full.
Product: Checking or savings account

Bank involved : TD Bank Description of Issue ( s ) : On or about XXXX XXXX, ATM card was frozen allegedly for use at a questionable ATM not of TD Origination. Discussions with TD Personnel unfroze card, but there was no real reason for it. 

On XXXX XXXX I get a text from XXXX that my payment is late. I had already set up their payment for on or about XXXX XXXX. This made no sense. I tried to log into my account on line several times but was unable to login. 
I then called TD Bank about XXXX XXXX. after a whole crazy process, I spoke to a person who was pretty clueless at which point I got XXXX and he hung up on me. 
I called back and had to go through the entire process again. Was connected to their fraud people and verified the bills they questioned ( which I had paid many times before ) and they were supposed to have been unfreezing my account. I waited the 2+ hours and called back since I was still unable to login. 
So the upshot is all my setup payments are now late which will ding my credit score and wallet. 
I again went through the lengthy process and was told the account was unfrozen and " they were working on it ''. I asked what that meant. They were unable to tell me what that meant. I asked to be put through to a supervisor to file a complaint about their XXXX  fraud people unilaterally disrupting bill paying to parties that have been paid many times by me. I was then transferred into a hold cue ... .I hung up after waiting a few minutes. 
I tried to log into my account about 2 hrs later, it still wouldn't let me log in. I called back but the wait was over 10 minutes. 
For a bank that states they are the worlds most convenient bank I would say they are the worlds most Inconvenient bank. I would just say their " fraud team '' is incompetent and current customers should run very fast in another direction.
Product: Credit reporting or other personal consumer reports

I have no knowledge of these accounts these hard inquiries are a result of identity theft.

15 U.S. Code 1681c2 - Block of information resulting from identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, XXXX and TransUnion, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!
Product: Credit reporting or other personal consumer reports

I was going through my credit file & realized that theres a security freeze on my credit File.
Product: Credit reporting or other personal consumer reports

I'm setting up to bestow my apprehension concerning the tested accounts on my credit report. On different occasions, I have raised the issue of misunderstandings in these records, and have constantly referred to that they be by and large broke down. Despite my endeavors, I before long evidently can't get any goal or mending activity. These off-base records are truly harming my credit report and discouraging my capacity to go on with a typical life. The hostile consequences of these missteps have caused enormous difficulties for me, and I'm left with no decision beside to fight for your help with checking on what's happening at the earliest entryway. I mindfully demand that you direct an exhaustive evaluation concerning the essential of these tested records. It is fundamental that the crucial advances are taken to empower and change my credit report right away. With your assistance, I need to reestablish the accuracy and conventionality of my credit record so I could recover command over my monetary flourishing. I truly encourage you to offer this matter your generally ridiculous idea and make an expedient move. Your organized exertion and moving in settling this issue quickly would be hugely significant. Grateful to you right off the bat for your comprehension and help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating. 

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

Transunion has been charging me a subscription fee for 2 years and I can not access and have been locked out of my account. I can not use Transunion and they are committing fraud by taking a fee for a service that is unusable and I can not get it corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Debt collection

This is a continuation of a claim filed and closed by agency. Previous complaint number is : XXXX, and XXXX. 

In previous complaint, company indicated that they had closed the account : " Hello, RMS-Recovery Management Services has closed the consumer 's account. Any questions will need to be directed to XXXX XXXX XXXX directly. Sincerely, XXXX XXXX '' However, there is still a collections action posted on my credit report with the agency 's name on it. Therefore, it leads me to believe the agency, RMS, is acting id bad faith and being desingenious. Lying is completely against the law and they are trying to get around the system by publishing statements that are not true. 

This is the third complaint created against this company, Recovery , Management Services ( RMS ) and they still are our of compliance with this issue. How many more times do we have to file complaints against RMS so that they may resolve this issue once and for all?
Product: Credit card

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 : Account name : XXXX XXXX account # XXXX 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 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: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed these accounts that is reporting inaccurately.
Product: Credit card or prepaid card

While on vacaton in XXXX in XX/XX/XXXX, my citi card account received several charges I did not initiate. Got an email while I was there asking if I recognized the charges, checked a box saying I did not and sent the email reply. When I got home, had a number of phone messages telling me to call fraud investigator at citi bank. I did and confirmed my earlier email reply that I did not recognize the charges. Was told to destroy that card, a new one would be sent to me.
When I got my statement covering period thru XX/XX/XXXX, there was an additional fraudulent charge. Called ( XX/XX/XXXX ) to inform them of this charge and was told they could n't verify who I was so could not help me. 
When I got the new card, called ( XX/XX/XXXX ) the number on the card to activate it. After a very long time trying to do so, was told again they could not verify who I was and would not activate it. 
Received a statement for the period ending XX/XX/XXXX for the new card ( the one I had not been able to activate ) with a charge on it. Decided to try emailing from their website to see if I could get resolution. Sent email XX/XX/XXXX. received polite but totally inadequate responses. 
Finally decided to fax a letter ( XX/XX/XXXX ) stating I refused to pay the charge on the new account and requesting the account be closed. Since then I have continued to receive a new statement each month with additional charges added. I also get several emails each month about the charges not being paid. I also get at least one call a day telling me to call another number for a recorded message telling me to pay my bill. This harassment has been continual since XX/XX/XXXX up to the present.
Product: Student loan

I obtained my federal student loans in order to attend XXXX XXXX ( graduating in XXXX ), and I subsequently refinanced them with XXXX. XXXX subsequently sold the loans to XXXX XXXX, who then sold them to Navient. XXXX had a principal payment option electronically available on their web site when they had my notes. Navient has no process to make principal only payments, and refuses to recognize my requests to make them, even though my accounts are on auto payment and in good standing. It seems that if you would like to avoid their archaic repayment system that appears designed to ring every possible cent of profit out of a note, you have to save your extra payments until you have enough in the coffee can to pay them in full. So while the documentation I signed say there is no prepayment penalty, Navient effectively adds one by refusing all pre-payments until the loan is repaid in full at that moment. And they pass this off by saying that it 's the Department of Education 's fault, because they decide the repayment terms. I 'm certain, however, that the Department of Education has not precluded Navient and other firms from accepting principal only payments from customers in good standing unless it comes in a full payoff. The effect of Navient 's position is illogical on its face, and absurd in its impact. This is clearly a profit motive on the part of Navient to deny principal only payments, and I believe they should be held to account. My Navient account number is XXXX, and I am willing to provide statements as required to support my claims. My most recent discussion with Navient took place on a chat board on their site on XXXX/XXXX/XXXX, beginning at XXXX XXXX. This is what that discussion looked like : XXXX XXXX XXXX XXXX I do apologize, all payments are applied to the interest first and then once interest has been satisfied, payments will be applied to principal. XXXX XXXX XXXXXXXX XXXX I 'm sorry, that 's not my request. I want to make a principle only payment. XXXXXXXX XXXX I would like to know how to do that. XXXX XXXX XXXX XXXX I do apologize, that is not an option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted XXXX to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 


XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : The reported balance of {$420.00} is incorrect. I remember the amount to be lower. I request the deletion of the Past Due information as this account is closed and charged-off. I also ask XXXX to mark this account as disputed to prevent any negative impact on my credit score. 
XXXX Account Details : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported balance of {$3700.00} is inaccurate. I recall the amount to be lower. I urge XXXX to revise the Past Due information as it is incorrect to present a Past Due amount for a closed and charged-off account. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor to address this incorrect data. I request XXXX to mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : The reported information about the account balance of {$24000.00} is inaccurate. The original creditor for this account is XXXX XXXXXXXX XXXX, not the company XXXX indicates. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXX & XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported balance of {$520.00} for the account is inflated and inaccurate. I am aware that the original creditor is XXXX XXXX, but I have not been contacted by XXXX & XXXX. I do not recognize this amount, and I believe I owe a lower sum. Due to these inaccuracies, I dispute the entire account and insist on the verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have inquiries and a bankruptcy on my credit report that doesn't belong to be I was a victim of Identity theft fraud I made a complaint with my local police department and the FTC report I contacted all 3 bureaus XXXX, XXXX and Experian doesn't want to remove the inquiries or Bankruptcy off my credit report here are the inquiries and Bankruptcy of my credit report XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have contacted my current student loan servicing company and the Federal Student Aid office to obtain the original loan application for my spousal consolidation loan as well as my Master Promissory Note. I was told by MOHELA that I would receive my MPN emailed to me within a couple of business days. That was on XX/XX/XXXX. I have sent follow up emails and still have not received a response. I was told by MOHELA to contact the Federal Student Aid office to get a copy of the loan application for my spousal consolidation loan. The FSA told me to contact MOHELA. This was also on XX/XX/XXXX. I have sent multiple emails and have received nothing. I would like a copy of my Master Promissory Note and the original application for my Spousal Consolidation Loan.