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

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XX/XX/2020 TRANSUNION COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX  XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$840.00} INQUIRIES : XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires on my credit report that are not mine ... fraud
Product: Credit reporting or other personal consumer reports

hello I have tried to remedy the fact Carmax gave XXXX XXXX, and XXXX has been reporting the history of my credit extension which 1 understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations. 
15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and XXXX due to the abusive and unfair practices.
Product: Student loan

I attended XXXX XXXX XXXX XX/XX/XXXXto late XX/XX/XXXX. I recently received a collection notice from XXXX XXXX saying that I owed {$8600.00} for a student loan taken out through XXXX XXXX XXXX through XXXX without my knowledge. I never signed for this loan, I never took this loan out and if they have anything saying I did, it was fraudulently taken out. I have never received any bills or correspondence regarding this bill until I got this collection notice in the mail. I am not the only student from XXXX XXXX that has this issue with XXXX XXXX. I am dealing with the XXXX XXXX right now for the Federal loans that I have ( they are in forbearance ), due to the fraudulent activities, lies and coercion I encountered while dealing with XXXX XXXX. I was lied to and told that I could transfer credits, I would be placed in a high paying position and I was told if I didn't sign up asap, the cost of the program was going to sky rocket. They had subpar equipment, subpar teachers and they told me they were accredited. I am not responsible for this loan ... I also did not finish the program, so how in the world did they manage to get {$52000.00} from me??? I have also contacted XXXX regarding the lawsuit that was filed against XXXX XXXX XXXX - XXXX XXXX XXXX XXXX. There is also a lawsuit that was filed against XXXX XXXX - Case No. : XXXX, filed in the US Bankruptcy Curt for the XXXX XXXX of Indiana, XXXX Division. This lawsuit covers all XXXX XXXX students.
Product: Credit reporting or other personal consumer reports

Someone impersonating me opened a credit card with Chase bank. This happened around XX/XX/XXXX. Somewhere around XX/XX/XXXX, Chase alerted me of potential malicious activity. We discovered the card was opened without my knowledge. The card was closed soon thereafter. Chase Charged Off the account balance of {$9800.00}. This is showing up on my credit report and needs to be removed.
Product: Student loan

Fedloan has consistently been inaccurate about my student loans/XXXX and XXXX  since XXXX. They seem to have ignored the fact that I have been working for the State of Nebraska government since XXXX and have never left. They didn't qualify my employment for numerous years since I graduate in XXXX. They have also been incredibly inconsistent with payments amounts when my salary has rarely changed more than a few dollars an hour over these years. All of XXXX appears to be labeled as a not certified employer, XXXX shows only a few payments when I paid every month. XXXX seems to be missing entirely from their record of my payments. XXXX only shows half of the year. XXXX and XXXX is shockingly all accounted for BUT not all the months show up as qualifying payments that go for my XXXX. They even try to say that I had multiple years on forbearance and this is simply not true. Now they are showing AGAIN that my employer is not certified yet, I sent in the form in XXXX and they still haven't gotten back to me on that and it's almost XXXX. I truly feel that with my payments and being enrolled in the XXXX since XXXX, I should almost be done with the program yet they have my account listed as having only 38 payments!!! that is completely absurd and U truly feel as though I'm being ripped off and being stolen from and taken advantage of. Now with XXXX approaching and still not hearing anything from them after repeated attempts to contact them about my account, I feel I have had enough and that it's time to have the authorities look into this situation. I have a huge amount of student debt that just gets higher every single year. I'll never be able to pay it off or retire if they are allowed to continue this type of predatory business practice with me and my account. Please help me with this.
Product: Credit reporting or other personal consumer reports

Most recent late payment history on my Equifax credit report is showing XXXX months which is incorrect information. My most recent late payment is actually over XXXX old.
Product: Consumer Loan

I purchase a Gap waiver clause with my automobile loan from the bank. The car was total and now they keep saying its my responsibility to pay the loan until the insurance company pays the bank minus my dedu. The loan was due on the day of the accident. When I found out that the car was XXXX I went to the bank on the XXXX of XXXX 2016 and reported the lost of the car, I ask should I still make a payment? and the manager of the bank in XXXX, N.Y. Told me she was going to put in a claim immediately so not to pay because it will go to the collection and they will get in contact. Now they are claiming that my insurance did not response quickly they want me to pay for the time they took to settled this matter.. They also change gap company while this was going on. When I research on the computer who was handling banks insurance claim I saw it was the same company I had my insurance XXXX and then their change it in XXXX I do n't know who their covering but its obvious its not me.. I wrote to previous about this matter and did not hear from you. Forwarding letter of my correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I sent a complaint to the company Equifax via CFPB ( complaint number ending in XXXX ) regarding the unauthorized use of reporting and to affirm that I do not owe the alleged debts listed. I demanded removal of all debts and compensation along with written confirmation that it was done. This was all submitted in relation to multiple consumer rights violations under 15USC 1681 and 1692. 
The company responded on XX/XX/XXXX that they needed additional info. Writer has been unable to contact the company via phone thus far. However, pursuant to 15USC 1692g ( b ) an Affidavit of Truth was mailed on XX/XX/XXXX and within it I requested verification. Per tracking all correspondence was received by agent XX/XX/XXXX @ XXXX and I am aware that pursuant to 15USC 1692c ( 3 ) if notification is made by mail, notification shall be complete upon receipt. Per law pursuant to 15USC 1692g ( a ) ( 4 ) and 15USC 1692g ( a ) ( 5 ) and per my request made in the affidavit the company had 30 days from the receipt to produce a point-by-point affidavit to validate all debts they allowed to be posted on their site. Subsequently, Equifax is now in default and must pay the invoice and remove all alleged remarks/debts listed in the affidavit sent. I am aware that an un-rebutted affidavit stands as truth in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account ( s ) listed below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

The entities listed below with account numbers have violated my rights : XXXX. XXXX XXXX, account # XXXX = {$2500.00} - violation of privacy/no consent given XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} - violation of privacy/no consent given, inaccurate reporting XXXX. XXXX XXXXXXXX - unknown account ( possibly fraud/violation of privacy/no consent given XXXXXXXX XXXX XXXX XXXXXXXX - violation of privacy/no consent given XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX - inaccurate report, violation of privacy due to no consent given XXXX XXXX XXXX XXXXXXXX - unknown account ( possible fraud ) /violation of privacy/no consent given XXXX. XXXX XXXX XXXX XXXX - entity unknown, possible fraud/ no consent of reporting given. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given XXXX. XXXX XXXX XXXX XXXX XXXX - inaccurate report, violation of privacy due to no consent given 15 U.S.C 1681 Section 602 A states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax Information Services LLC, XXXX XXXX XXXX XXXX XXXX 

The reporting of inaccurate information by the above companies has affected my character, my reputation, livelihood, and ability to obtain credit and a house.

These companies have affected my livelihood and knowingly continue to break all the ( FCRA ) laws that are put in place to protect the consumers.

These agencies have removed the below accounts once I make a complaint with the Consumer Financial Protection Bureau then they will RE- ADD the same accounts that were deleted after they feel the investigation with the Consumer Financial Protection Bureau is done or closed.

They continue to SEND ME MAILED LETTERS SAYING THAT THE FURNISHERS HAVE VERIFIED THAT THESE DEBT ACCOUNTS BELONG TO ME, THAT IS NOT ( ACCURACY, COMPLETENESS, & VERIFICATION ).

The below accounts continue to violate my rights in Pursuant to section 611 ( a ) Of The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( XXXX ), to conduct a reasonable reinvestigation of information on a consumers credit report alleged by the consumer to be inaccurate. 

1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX
Product: Credit card

I have accumulated {$190.00} in rewards on my XXXX XXXX Credit Card, issued by Synchrony Bank. Despite multiple attempts to redeem these rewards into my XXXX XXXX, the funds are not transferring successfully. 

I have contacted Synchrony Bank multiple times to request an alternative redemption method, such as receiving a check for the {$190.00} rewards. Unfortunately, Synchrony Bank has been unable to assist in resolving this issue. 

I am filing this complaint to request that Synchrony Bank issue a check for the {$190.00} rewards balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/202XXXX XXXX reported 90 days late payment to my Experian bussiness credit when I never been late on single payment which bought my score from XXXX to XXXX & affected my commercial insurance renewal
Product: Credit card

My financial institution sent my payments prior to the due date XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). The checks were presented for payment and I have cancelled checks. 

I wrote to the company 3 times submitting documentation, including a letter from my financial institution THREE times. Each time, I receive a response saying they are workig on it, but receiving a bill dated XX/XX/XXXX showing interest and late fees. 

On XX/XX/XXXX I called AGAIN, and was told the letter was not acceptable because it didn't include an " amount ''. This is untrue, all the documentation was included. Also, they tried to tell me it takes 60 days to resolve -- also untrue -- have been trying to resolve this since XXXX. Once I threatened to file a regulatory complaint, there was some vague comment about some " supervisor '' resolving this. 

I believe this was a blatant attempt to defraud a consumer.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

My mortgage was sold to Nation Star by XXXX Mortgage. I was in the process of paying my mortgage off as the sale of my loan took place. The payoff was received by Nation Star on XXXX XXXX. Since then I have been trying to finalize the paperwork with Nation Star. According to Nation Star my name is not correct in their system. My husband 's is. I have been told twice that I need to fax a copy of my Social Security card to them in order for them to correct my name. I have declined to fax my Social Security card to them. I have been advised by a consumer agency not to do that, but I am willing to send my Driver 's License, the copy of the Deed from the Courthouse, bills, etc to prove the spelling of my name. Today, XXXX XXXX, 2016, I asked them to look at the records that they have, including the Security Deed, to see if my name was correct on the paperwork associated with the loan, and use that as verification of the correct spelling. While on the phone with Nation Star representative today, she told me that is was Nation Star 's policy to hold onto a lien as long as possible, that she did not have a copy of the Security deed and that I would have to send a copy of my Social Security card to have my name corrected. XXXX Mortgage had my loan for several years before selling to Nation Star and I never had a problem with my name being spelled incorrectly. I want the deed to be sent to XXXX XXXX courthouse, with my name spelled correctly so I can be done with this institution once and for all. 
I am also concerned with the fact that their recordings and statements that they read off states that they are a " debt collector and that the information collected during the recorded phone call will be used to collect a debt. '' I thought XXXX Mortgage sold my loan to another mortgage company, not a debt collection agency. The sheer amount of complaints about Nation Star Mortgage 's less than ethical behavior concerns me and should be an indicator that there are major issues in their business practices. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency Violated my consumer rights : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX Account Type : Collection Status : Paid, was a collection account, insurance claim or government claim was terminated for default. 

Status Update : XXXX Original Creditor : XXXX XXXX
Product: Debt or credit management

I opened a credit builder loan with moneylion. Closed it out and was told I would receive my funds in XXXX business days. XXXX days later I still have gotten no money. Just emails telling me to wait more. The account is already off my credit report and they have been trying to take the membership fee out of the account after I canceled the credit loan. I also requested to close my checking account and was met with refusal to do so. I feel like I've been scammed and I lost money that I need.
Product: Credit reporting or other personal consumer reports

Someone is using an address to use my credit and theyre not paying the bills and its reflecting on my credit score and its reflecting on the amount that I owe. I am sick and tired of this. Theyre using an address that I live that 30+ years ago. Also someone use a different name using my identity and ran a huge bill up over XXXX some dollars and I have no idea what theyre doing with the other address. This is really frustrating and it needs to be fixed as soon as possible.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Two rounds of dispute letters were sent to Experian on XXXX, XXXX, XXXX  and XXXX XXXX via certified mail ( usps ) in regards to XXXX  XXXX and XXXX XXXX reporting collection accounts which has not been fully validated with signature as requested. This collection account remains on my credit report despite not being fully validated.
Product: Credit reporting or other personal consumer reports

I uploaded proof which consisted of a payment activity activity summary sent to me by my mortgage company, showing that my payments had been made. I submitted this proof to Experian and they got back to me in one day and said my dispute was closed because the company reported the information on my report was correct when I uploaded document sent to me from the company showing that it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative ( XXXX ). Incorrect address ( XXXX XXXX XXXX XXXX ). Two revolving account XXXX XXXX XXXX and XXXX credit card. Also, a incorrect name XXXX XXXX. I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.
Product: Debt collection

I filed a dispute and was not given a phone call or a written letter concerning my dispute only finding out that 3 days after I filed the dispute you confirmed the debt was mine. How was this confirmed? I didn't have an agreement with you nor have I ever heard of you. Furthermore you are not even licensed to collect a debt in Tennessee.
Product: Mortgage

I have called several times dealing with XXXX XXXX I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}. 
The pay was sent but has not been applied to my account. The escalation department refused to address the issue. Will not allow me to talk to a supervisor reference locating the funds.
Product: Checking or savings account

This complaint is regarding an ongoing issue with the banking service cashapp. In which the first issue occurred on XX/XX/XXXX, when there was a market place order in the amount of XXXX for a bitcoin without my knowledge or authorization. I reached out to cashapp at XXXX XXXX, I was told that I had to send additional money in order to use my own account and the XXXX was never recovered or returned to my account. Due to using the cashapp banking service to get payroll deposits from my job, I continued to use my cashapp account. In which the most recent incident occurred on XX/XX/XXXX, where I am unable to receive any cashapp payments, I got a message I am unable to receive payment at this time I reached out to cashapp customer care at XXXX, an I was told by a cashapp representative that my account has been closed due to unspecified reasoning, Other than my activity are against their teams of service an my account has been closed. In conclusion, I have been a customer of cashapp for the past 8 years, in which I have never used or attempted to use my cashapp banking service for anything against their terms of service. Furthermore, Im a XXXX XXXX XXXX XXXX XXXX, in which, I have no intentions on using my account for reasons unspecified, that are against cash apps terms of service
Product: Debt collection

LVNV FUNDING has been reporting a deragatory account that is result of identity theft and has cussed my score to drastically change and completely changed my lifestyle because of this reporting
Product: Debt collection

Today, I received a collection on my credit report that I paid. Prior until today, I never received any notice from the debt collect or Harris and Harris pri or to reporting it to my credit so that I could exercise my right to dispute this debt and ask for validation which is my right under the fair debt collection act.