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

Account was open in my name due to fraud and it is affecting my credit score! I have not supplied proof under the doctrine of stoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit history with Transunion and noticed it have inquiries that wasnt authorized by me. I called customer service and they would not help and take care of the negative inquiries reporting to my credit report.
Product: Debt collection

I am unaware of this debt ; I did not have the opportunity to dispute this debt. i did not receive proper notification. if in fact you think I received proper notification send me a copy of the certified letter that was sent to me with my signature.
Product: Credit reporting or other personal consumer reports

Equifax was given information regarding my student loans in deferment back on XX/XX/22. The refuse to update my report after documentation was provided indicating this. The other XXXX XXXX have updated my report correctly.
Product: Student loan

Navient is reporting late payments to my credit report dating back to XX/XX/XXXX when my loans were in forbearance they have a knowledge that the loans were in for forbearance but refused to remove my late payments. I have been calling in dealing with them since XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for the company to send me a signed copy with my signature of this loan that I allegedly have with them. I have not received any information on the validity of this debt. 



DEPT OF EDUCATIONXXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$40000.00} Balance updated XX/XX/XXXX Exceptional payment history DEPT OF EDUCATION/XXXX {$36000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$36000.00} {$29000.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$29000.00} Monthly payment {$0.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - - XXXX - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - XXXX - - On Time - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments-
Product: Checking or savings account

Opened a new Citibank checking account and deposited the $ XXXX required within the 60 days, then waited 90 days and never received the {$500.00} bonus. I contacted Citibank through their phone system and got nowhere, so I closed my account and used their chat service. I was told that I have met all requirements to receive the {$500.00} bonus, yet never received it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for not taking actions of these unauthorized inquiries reporting in my credit reports. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00}. I have contacted these companies and these actions were initiated without any proof of the companies reporting. These inquiries are not factual since I never authorized them. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

I am writing this pre-arbitration demand in continuation of my previous dispute regarding the inaccurate information on my credit report. Despite my initial communication and your acknowledgment of the dispute, the disputed items have not been adequately resolved. Therefore, I am compelled to escalate the matter and request a resolution through arbitration, as provided for in Experians arbitration agreement.

I am aware that under Experians arbitration agreement, Experian is responsible for paying half of the arbitration fee. However, considering the substantial costs associated with the arbitration process, I am providing Experian with an opportunity to avoid these expenses altogether. In addition to the request for a comprehensive investigation and resolution of the disputed items, I propose the following settlement offer : XXXX. Pay me the full arbitration initiation fee : the initiation fee for arbitration ( for the corporation ), as outlined by the XXXX XXXX XXXX XXXX XXXX ) guidelines, typically exceeds {$4000.00}. To settle this matter expeditiously and avoid the significant costs and time involved in formal arbitration proceedings, I request that Experian pay me the full amount of the arbitration initiation fee. 
I believe that this settlement offer reflects a fair and reasonable resolution, taking into account the costs Experian would otherwise incur during the arbitration process. Accepting this offer would spare both parties the financial burden and extensive time commitment associated with formal arbitration. 
Potential Costs of Arbitration : Should this dispute not be resolved amicably, please be aware of the following potential costs associated with arbitration : Arbitration Filing Fees : [ {$4000.00} ] Legal Fees : [ {$10000.00} ] Administrative Costs : [ XXXX ] Time and Effort Compensation : Possible claim amount of {$5000.00} for time spent addressing the dispute. 

Total Potential Costs : [ {$20000.00} ] The initiation of arbitration can incur significant costs, which I am fully aware of. However, to avoid the expense and inconvenience of arbitration for both parties, I am prepared to settle this matter with the following one-time offer : Settlement Amount : [ {$4000.00} ] Removal of the following Inaccurate accounts from My Credit Report Account Name : XXXX XXXX Account Number : XXXX {$1200.00} Account Name : XXXX XXXX Account Number : XXXX {$980.00} Account Name : XXXX XXXX Account Number : XXXX {$5500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Furthermore, it is important to note that should Experian decline this settlement offer XXXX I will pursue the arbitration process as provided for in Experians arbitration agreement. In that event, I will seek appropriate remedies, including but not limited to compensatory damages for financial hardship, emotional distress, and any other damages resulting from the inaccuracies on my credit report.
Product: Debt collection

After reviewing my XXXX credit report, I noticed a medical collection that does not belong to me. After following up with the reporting company several times, I've yet to have this issue resolved. I've requested documents, but have still yet to receive any.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left out the gym around XXXX walked to my car and noticed glass on the ground and my window on the back passenger side broken. I immediately called the police. I checked underneath the passenger side seat which contained my wallet and it was gone along with everything that was inside my drivers license, debit card, credit cards and my social security. I've been fighting fraudulent accounts that has been opened in my name ever since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Experian Credit Bureau. The date of the last letter was on XX/XX/2022 And now we are in the month of XX/XX/2022 and still nothing has been heard from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, which I acquired from Experian, XXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity.
Product: Student loan

I dispute it with XXXX  and my credit was corrected but I didn't see changes to my XXXX XXXX or XXXX  XXXX to XXXX of 2014 I called fedloans to get my payment in to forbearance because I couldn't make payment they said their gon na change the status but 5 years later I find out that they put me on late payments I want them to take responsibility and change the status on my fedloans accounts
Product: Mortgage

Wells Fargo Home Mortgage is holding 3 payments of XXXX in an Unapplied Funds balance and stating they we are behind on our account 4 months. The account is only 1 month behind as they bill a month in advance. They stated via phone call that the funds they were holding from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of {$980.00} would be applied to the balance on XXXX/XXXX/XXXX. ( see attachment ) I spoke with a person named XXXX and named XXXX XXXX did not apply them and on XXXX/XXXX/XXXX we received another statement stating that they we had {$1400.00} in unapplied funds ( see attachment ). I called them again and spoke with a person named XXXX and she stated the 3 payments totaling {$1400.00} would not be applied to our balance until we made another payment. I then asked to speak to her supervisor and was transferred to a XXXX XXXX who informed me that he would have to look into it and that would take 10 days. 
Attached to the both of the statements one dated XXXX/XXXX/XXXX was a letter stating that we were 77 days delinquent and another dated XXXX/XXXX/XXXX stating that we were 105 days delinquent. XXXX XXXX also stated that were we behind in our monthly payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We pay this bill through our bank, XXXX bill pay and I have attached our payment history to Wells Fargo for the past 24 months, that reflects we are not behind 4 months. The are counting the unapplied funds and the upcoming payment this is not due as of this date as late payments.
Product: Money transfer, virtual currency, or money service

I keep getting notices from cash app that my account has been locked I have deleted my account and notified customer service which you can only do by email and Im still receiving 100 plus emails an hour from them I really need you to do something about the notifications I am receiving from you.I have had 80 notifications in an hour, I have deleted my account and removed my email to no avail, this is absurd. I need something done immediately. I am contacting the chamber of commerce and any other official I can Monday morning and filing harassment charges Put a phone number on your site so people can get issues resolved, this isnt a way a business should be ran
Product: Debt collection

I am disputing the validity of the debt reported on my credit report by Consumer Adjustment Co. I have mailed out a final letter to all three credit bureaus and have filed dispute online. 

On XX/XX/XXXX, I mailed a written request to Consumer Adjustment Co for validation of the alleged debt to address provided in XXXX Report. The addresses and phone numbers provided in all three reports for Consumer Adjustment Co are not the same. It was also stated in first dispute of this debt that CFPB requested a validation of debt from Consumer Adjustment Co and was to be forwarded to me showing validation of this debt. To this day XX/XX/XXXX, nothing has been provided to me nor have I been contacted by Consumer Adjustment Co via mail, phone, or email. 

Under 15 USC 1692g, Consumer Adjustment Co is legally obligated to provide the following : 1. Proof that the debt belongs to me.

2. The name and address of the original creditor.

3. A complete breakdown of the debt amount, including interest, fees, and charges.

4. A copy of the original agreement or contract showing my obligation to pay the alleged debt.

To date, I have not received the requested validation. Reporting this unvalidated debt to credit reporting agencies violates 15 USC 1692e ( 8 ), which prohibits false representation of a debt, and 15 USC 1692f, which prohibits unfair or unconscionable collection practices.
Product: Debt collection

For some reason this company just randomly showed up on my credit reports in XX/XX/2019 claiming I owe a debt without sending me proper validation for the debt they claim I owed. I have mailed this company a letter to validate the debt on XX/XX/2019 and have not received any follow up correspondence from them assuming this collection was bogus. They continue to damage my credit reports and credit score by reporting this erroneous debt without sending me any information or validation I requested in writing from them. I have never received any letters or phones call from this company prior to reporting this debt to the credit bureaus. I also disputed this debt twice with the credit bureaus by certified mail on XX/XX/2019 and again on XX/XX/2019 with both disputes coming back as verified which is false. How was this debt verified with the bureaus but not with the consumer ( me ) like requested?!
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing a personal loan ( XXXX XXXX XXXX XXXX XXXX XXXX ) account on my credit report as open. However, this account was paid in full and closed in XX/XX/2022. I have tried to remedy this directly with Transunion numerous times ( providing supporting documentation ) in the last 5 months, but they refuse to correct their error. I will attach the supporting documentation to this complaint.
Product: Debt collection

I extended my credit creating this debt on XX/XX/2017. I am now aware of my rights as a consumer and it has been brought to my attention that my rights have been violated with this company. I dispute this debt. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and The Truth In Lending Act ( TILA ). Payments were made towards this debt by allowing deductions from my employee compensation. I am the original creditor. Lending Point LLC is not the creditor. Lending Point LLC is a debt collector pursuant to 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). I was subjected to unnecessary harassment, unfair, abusive, and deceptive collection practices from this company.

I extended my credit to create this debt. Credit is defined in 15 U.S.C. 1602 ( f ) as, ( the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ). I used the numbers reflected on my credit card as defined in 15 U.S.C. 1602 ( l ) when I applied. Credit from my open-end credit plan funded this consumer credit transaction. Unauthorized use occurred as defined in 15 U.S.C. 1602 ( p ), ( as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ). I made contributions from my employee compensation towards a debt that was already paid yet was harassed, threatened with penalties for early withdrawals, the debt was incorrectly reported to the credit reporting agencies as a bad debt affecting my creditworthiness, etc.

At the time I created the debt my name was different. I have since had a legal name change. So, the account associated with my SSN will reflect my former name. I received many deceptive forms regarding this debt. 
If this matter is not resolved I will have no other choice but to file a civil suit against Lending Point LLC in Federal Court for discrimination under the Equal Credit Opportunity Act because I am exercising my consumer rights under this chapter. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), ( It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. ). I am aware I will also be able to sue for violations committed under the FDCPA and TILA as well. On top of that I will seek actual damages and attorney fees. I am aware of 15 U.S.C. 1692e ( 3 ), ( The false representation or implication that any individual is an attorney or that any communication is from an attorney ). I would end up being entitled to a judgment. I would rather resolve the matter amicably. I am invoking my rights as the original creditor.

I look forward to your full cooperation in this matter.
Product: Credit reporting or other personal consumer reports

I submitted a dispute and my dispute was ignored by XXXX. In fact, XXXX inadequately investigate my complaint, they failed to adequately update my credit score by slow reporting. XXXX failed to block identity thief related information. XXXX shared incorrect credit scores and data about me to lenders. XXXX also, in a previous filed complaint deleted an error to only put it back on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

PER XXXX XXXX  THIS COMPANY " COMENITYCAPITAL/SALL '' RAN A HARD INQUIRY ON MY CREDIT WITHOUT MY CONSENT THIS COMPANY DOESN'T EVEN HAVE THERE CONTACT INFORMATION LISTED ON XXXX XXXX  ; I HAVE NO WAY OF CONTACTING THEM OR VERIFYING THIS COMPANY IS REAL. 

I am asking for a validation letter proving this hard inquiry belons to me. I demand to know why this company illegally ran my credit without my permission. I suspect SOME OF THE STORE ASSOCIATES ARE DOING IT ON PURPOSES TO GET AN INCENTIVE FROM THE STORE. I SUSPECT I AM NOT THE ONLY VICTIM PER THE FCRA " If you were seriously harmedsay, the credit reporting agency continued to give out incomplete or inaccurate information after you requested correctionsconsider filing a lawsuit. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. Depending on the violation, you might be able to win actual damages, statutory damages, punitive damages, court costs, and attorneys ' fees. ''
Product: Credit reporting or other personal consumer reports

Transunion is showing that I owe {$240.00} to XXXX XXXX, causing the credit rating to drop XXXX points. 
I filed a dispute, and my credit score went back to normal, only to fall back down XXXX points again when XXXX XXXX reported the original information as correct. 

On XXXX, the account was paid in FULL. ( {$240.00} ) On XXXX XXXX XXXX reported that I was in debt for {$240.00} I took a XXXX pint hit I filed a dispute with both Transunion and XXXX  On XXXX I was notified by the XXXX  that XXXX XXXX would respond in writing, On XXXX Transunion updated my report XXXX pint increase. The {$240.00} was taken off my report. 
On XXXX Transunion updated my report showed a XXXX point decrease, and the {$240.00} owed was back on my report. 
On XXXX I filed another dispute with Transunion over the phone, and have to mail my evidence that it was paid. 
As of XXXX I have not received a response from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, AND 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 Any financial institution is forbidden from sharing my information with third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX  XXXX .... Balance : {$1000.00} ; XXXX XXXX OF XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX FINANCIA XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
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  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX