23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

When I was XXXX, I only signed up for a tour of XXXX campus. And I wanted to go through the pilot program. When I showed up, I was informed that I would never be able to afford the pilot program but I " should sign up for the mechanics program since it will make you lots of money one day and then you can afford the pilot program ''. I was coerced into actually signing up for tuition same day. Some lady on a computer looked up all the loans for me and just had me verbally agree. I should have had more time to discuss this huge financial decision and some adult should have explained what my obligations would have been. I feel like I was taken advantage of much like a XXXX car salesman preys on the unexpected.
Product: Debt collection

on XX/XX/XXXX I lived in XXXX  and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX   not my ex he was in XXXX  They original company sold the loan to a company in XXXX  that collects old debt and XXXX  is a wage garnishment state, XXXX  is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX  and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX  in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in XXXX  in XX/XX/XXXX I called them and said I dont live in XXXX  I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX  is not a wage garnishment state no court in XXXX  will do wage garnishments but XXXX  will and being I do not live there how can they sue me the truck was repo from XXXX  and me and my EX live in XXXX  plus XXXX  has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo
Product: Debt collection

I disputed the debts and received bills. This is not sufficient validation.
Product: Debt collection

The debt is from my sister 's education loan from XXXX ( now owned by wells fargo ). I am the cosigner. 
The loan was issued in XX/XX/XXXX and in repayment since XX/XX/XXXX. Its monthly payment has a due date on XXXX  of each month with a grace period of 10 days. 
However, since the beginning of XX/XX/XXXX wells fargo started contacting me, harassing me by phone and mail, demanding payment as soon as the XXXX of the month. 
The last harassing call I got was in XX/XX/XXXX, after I told them to stop or I would report them. 
The collection letters keep arriving in the mail. I am attaching the last one from XX/XX/XXXX. 
Since XX/XX/XXXX no monthly payment has been missed and made within the grace period. 
The loan is 2/3 paid.
Product: Payday loan, title loan, or personal loan

I signed up for a payday loan. I fell on financial hardships and needed some money to help pay off some of my credit card debt. I found out that the company took out the payment today. I have recently lost my job. I called to scheduled a payment plan and they told me they are unable to do so since my account has already been processed for reoccurring payments. My account is now in the negative and my bank will not reverse the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,
Product: Debt collection

I sent Trans Union the information below in separate complaint forms on XX/XX/2022 and updated information on XX/XX/2022. Trans Union has refused to remove the said below account but removed other accounts that were sent at the same time. I am the individual whose credit file these items do not belong on. But Trans Union has allowed entities to place whatever on my credit consumer file my privacy has been invaded this has been stressful to me I have literally been sick over errors on my consumer credit file. when I called to try to speak with someone at Trans Union tells me about their policy and their rights all while Im speaking to someone overseas about my account though Transunion is based in the United States. I am requesting that I be sent an updated account after the removal of the said accounts below as well as my credit score. Please send me a copy of my credit score for free. 





XXXX. XXXX. Amt {$3900.00} Acct # XXXX CFPB # XXXX XXXX Acct. # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX XXXX. XXXX ACCT # XXXX CFPB # XXXX All these errors, violations and fraudulent entries are grounds for permanent removal. In association with these companies fraudulent reporting statements, my credit score has plummeted and caused me distress, lost of income, credit denials and lost of business opportunities. 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. I WAS NEVER GAVE WRITTEN INSTRUCTIONS REGARDING ANY OF THE SAID ITEMS TO BE PUT ON MY CONSUMER REPORT. 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector all 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 I NEVER CONSENTED TO THE DEBT COLLECTOR TO COMMUNICATE WITH ME 15 U.S.C 1681c. ( a ) ( 5 ) Trans Union please see the CFPB report you already have in your possession in your fraud department with this information which coincides with the CFPB reference number provided inside of this letter. Once again Im sending this to you and it should be resolved by tomorrow the XXXX extra information was just sent to you on the first of this month thats all so please do not try to open another dispute. 

Please provide me with your registered agents address. Thank you
Product: Credit reporting or other personal consumer reports

Complaint Facts Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX Texas XXXX Consumer Social Security Number : XXXX Consumer Date-of-Birth : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following identified accounts ; XXXX, Account number private, Balance {$1600.00}, Date opened XX/XX/XXXX XXXX, Account number private, Balance {$1700.00}, Date opened XX/XX/XXXX XXXX  XXXX, Account number private, Balance {$1600.00}, Date opened XX/XX/XXXX XXXX BANK XXXX, Account number private, Balance {$1200.00}, Date opened XX/XX/XXXX XXXX  BANK/XXXX, Account number private, Balance {$870.00}, Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have also provided Proof Of Identity as well as Proof of Residence documents for your review and confirmation of my identity.
Product: Prepaid card

I transfer money from my payroll account to my XXXX XXXX XXXXXXXX account but the money has never posted into my XXXX XXXX XXXXXXXX account since XX/XX/XXXX and I called I never received the money but they told me that the money has been successfully transferred already so they asked me to talk with XXXX  XXXX XXXX called XXXX  XXXX XXXX. XXXX  XXXX XXXX even told me that money was never posted into my account. They only see money to try to take money out of my account, but they were posted the money money posted into my account and I disputed and my dispute has been denied for no reason.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Ive asked chase to provide me a monthly statement or a XXXX balance letter multiple times but they havent sent me either since 11 business days ago. I need the monthly statement for all 3 credit cards at chase.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2024,, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Student loan

I can not get Netlnet to update my name. They keep asking me to scan and rescan the court decree. I sent them the exact same file I sent to other financial institutes such as XXXX, XXXX, XXXX, XXXX etc with no issue, yet for some reason Netlnet does not seem to be able to " read '' it. 

If they can not even read the original scan, how do they expect to read the secondary copy off off the original scan via fax? And they can not handle things electronically, they expect me to mail in the original copy. They really expect me to have faith in them to handle my only original copy with care while a simple thing such as changing name they can not process. 

What a waste of time.
Product: Checking or savings account

My Marcus by Goldman Sachs online savings account has been locked for more than 1 month WITHOUT my permission, even though I have followed all the instructions from the company to verify my phone, verify my identify ( every single time when I call customer service ), send out notarized Affidavit of Identity form, spend hours with customer service with agents who rudely hung up my calls. 

I opened the account ( account number XXXX ) XX/XX/2023, and have made several deposits smoothly throughout the year without issues. When I tried to transfer money out XX/XX/XXXX to my linked BOA account, transaction was reversed XX/XX/XXXX, and then the account was later locked. I contacted customer service immediately to address the issue and they kept saying my phone number is not mine. This is the first time ever I encounter phone number related issue because this IS my number, and all my IDs, banks, work, insurance, address are using this phone number with no issue. From XX/XX/XXXX to XX/XX/XXXX, I have followed all their instructions to verify my identity ( again and again when I call customer service, and I answer all questions right ), including receiving an Affidavit of Identity ( XX/XX/XXXX ) from the company, getting it notarized using my U.S. issued ID ( XX/XX/XXXX ), sending this notarized form out ( XX/XX/XXXX ) ( original copy, original stamp, everything is original ) and having it delivered ( XX/XX/XXXX ). I called XX/XX/XXXX and was confirmed that they received the form and were reviewing it. They said the review process takes XXXX business days. I didn't hear back ANYTHING during the time frame, and I called XX/XX/XXXX which was already beyond the timeline, they said there is no update, and asked me to wait. I asked them to provide a timeline, and no timeline was provided. They refused to provide any explanation why they are still reviewing, and no expected timeline when I can have access to my own money. 

This is the second complaint I submitted to address the same issue, because the company further prolong the process after the first complaint, and still requested to close the first complaint. The whole " phone number not yours '' security concern is a scheme to get hold of clients ' personal funds without permission. I need my account unlocked and my money back immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed there was a balance on my credit report from XXXX. The loan was cancelled and I was trying to remove this from my report due to there still being a balance and my inability to negotiate to pay and remove this issue from my credit report. Also, the loan is listed in as a student loan. This was private loan for a coding bootcamp called XXXX XXXX ( XXXX ), which did not satisfactorily land me a job, nor were they even officially accredited at the time.
Product: Debt collection

I explained to them I do not Owe anybody anything, and if I did then the company that's in question should have taken me to court a long time ago. They have not done that because they are known for fraudulent activities which I reported to IDFPR and they subsequently was fined for numerous infractions and deceitfulness ( That company being XXXX XXXX XXXX whose real business name should have been XXXX XXXX out of New York ). They were order to change their name because they were operating under XXXX XXXX XXXX illegally and using staff persons that were not actually licensed in the state of Illinois to practice as Leasing Agents or had expired licenses, they also used the bait and switch on numerous unsuspecting tenants including myself and were fined for that also. They tried to get rid of me by raising the rent on a contracted XXXX XXXX XXXX unit that I was renting, but XXXX refused there increase, so instead of ( XXXX XXXX XXXX  or XXXX XXXX ) taking XXXX to court, they instead tried to include the rent increase that was denied into my utility bill without notice or authorization by XXXX. This is just another example of how they treat honest hard working people and they keep getting away with it. They also retaliated against me because of a negative " XXXX '' posting I made about them and their terrible customer service and unpatriotic activities. I sent National Credit System Inc.XXXX XXXX XXXXXXXX GA XXXX a Cease and Desist Letter by certified mail and they again contacted me by mail twice after receiving the letter from me, so that's what brought me to this website for help. I am also an XXXX  XXXX XXXX XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

I saw a collection i was unfamiliar with under XXXX XXXX XXXX XXXX. I contacted them to ask who the original creditor was, after i filed a dispute with XXXX XXXX through XXXX XXXX on XX/XX/year>. The account referenced was with Vystar CU, one that was closed due to fraud and i never received anything stating i ever owed a balance from the bank. I requested a formal validation of debt on XX/XX/year> from collection agency XXXX XXXX XXXX XXXX. I did not receive anything stating validation via email or paper mail within XXXX days ( according to XXXX regulation XXXX validation should be received within 5 days of initial contact or verbally during contact ) and still now that it has been almost 30 days. Im requesting this collection be removed from all XXXX credit bureaus due to no validation of debt received proving i owe any balance. Besides call i made for validation, no emails or letters have been received from this collection agency and no record of my call transcript was ever emailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM THIS MAY CONCERN, I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

Inquiries that I did not do - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did want to note that , I DID APPLY WITH XXXX XXXX XXXX, XX/XX/XXXX THIS YEAR. Not to mistake with the other dates that I did not apply with them. 

ADDRESSES THAT I HAVE NEVER LIVED- - XXXX XXXX XXXX, XXXX XXXX NC XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX - XXXX XXXX XXXX, XXXX XXXX GA XXXX ACCOUNTS THAT I DID NOT OPEN THAT ARE ON MY REPORT - SOUTHWEST XXXX XXXX XXXX XXXX XXXX- {$170.00} - DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 
PLEASE DELETE THESE INQUIRES AND ALSO THESE ACCOUNTS FROM MY CREDIT REPORT I DID NOT DO THEM NOR APPROVE ANY TO BE OPENED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Comenity Bank has not reported any updated balance on my account since XX/XX/2022. I reached out several times to them. My balance is {$0.00} but it shows on my credit report that I have an outstanding balance of {$9000.00}. They sent me a message on XX/XX/XXXX stating that because of a recent system update they are not reporting account updates to credit bureaus while our processed align for accuracy. I would assume that they suppose to report after 90 days maximum, this is very inconvenient for me. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and an Sales contract loan account opened at XXXX on XX/XX/XXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone managed to open a card using my information. Once I discovered the issue monitoring my credit I begin the dispute process with both the company and Equifax. 
Equifax did not speak with me or ask any specifics around the fruad and deemed the account legitimate and stopped investigation. 

The problem now lingers and my credit is being effected as a result of a improper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 credit reporting agencies they all have my incorrect information barring me for using my credit of applying for anything using my credit they have made no attempt to fix this