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

I reviewed my credit report on XXXX and noticed that Experian had put some improper information on my credit report. 

The following accounts does not belong to me XXXX XXXX for {$350.00} XXXX XXXX XXXX {$1800.00}
Product: Credit card

This is the second credit card that Synchrony Bank closed of mine. I have never been 30 days delinquent and they closed by Sams Club Account ending in XXXX. Synchrony did not send me any letter nor email notifications regarding why they closed my Sams Club Account on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share XXXX XXXX XXXX ; XXXX XXXX  XXXX ( Bank ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XX/XX/2023
Product: Debt collection

Ive been getting countless calls from cross check saying that I will be served with papers and that they will show up to my work. I called to verify the debt and see how it could be resolved and they were never able to verify it. They kept asking me personal questions instead of answering mine. I asked for an email laying out what my debt is and what I can do to resolve it, never received it. They said theyve sent it to my address is physical form AND email but I havent received anything. After every call they say theyll get everything to me right away to verify the debt but then directly after the call they start calling me again saying they are going to serve me and show up to my work without sending me information.
Product: Debt collection

On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XXXX XXXX  at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Debt collection

As Im viewing my credit report Ive come across violations, Experian, XXXX and XXXX XXXX violated my federal protective consumer rights and civil rights. XXXX has commit fraud, sold my personal information over to XXXX XXXX without my permission. XXXX has been repeatedly sending letters in the mail on a monthly daily bases to collect on a debt of {$1100.00}. I am distress I keep getting denied of something due too experian did not delete what Im disputing. Ive reached out by certified mail, telephone, & cfpb complaints in regards of the matter.
Product: Credit card or prepaid card

Contacted Citi about a charge on my account and they are giving me a complete run around. Already confirmed with the card network issuer ( XXXX ) regarding issue and they confirmed dispute is valid and eligible for a conditional credit which Citi is refusing. Called at least 10 times with no success
Product: Credit reporting, credit repair services, or other personal consumer reports

All bureaus have put a long-standing fraud alert on my credit report without my authorization. This is inhibiting my ability to apply for credit. There is no reason why there should be an ongoing alert to be lasting 7 years. This needs to stop reporting on my report as soon as you receive this message. According to 15 USC 1681b, A consumer needs to provide the bureaus with written consent for changes to the credit report. Not once did I provide written consent to place a long-lasting fraud alert on my account. It is causing more harm than good and is creating hardship in my financial life.
Product: Credit reporting or other personal consumer reports

In accordance with the fire credit reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've called these places and tried to get account numbers but couldn't get anywhere.

15. U s.c. 1691 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 consent or instructions. 15 u.s.c. 1681 a ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information in any adverse item of information, other than records of convictions of crime which atedces the report by more than 7 years.

U.s.c. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows of his responsible cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. I have submitted the proper documents to prove it and nothing has been solved.
Product: Checking or savings account

My bank BBT is hitting me daily with extended over draft fees and charges, the latest was again this morning! I spent 2 hours on the phone with them yesterday trying to resolve the problem and make the charges end, but then was told that they can't help me. 
I have been making deposit after deposit to try and stop the cycle but they will not let my deposits post until after they have charged me more and more fees, therefore I can't catch up and make the account clear. I am interested in a class action lawsuit against this! I want all of the charges and fees returned to me. I am on XXXX, I cant even purchase my daily medication that I need because of all of this. And I intend for my family to sue them if I do not make it through all of this stress and XXXX it is causing me
Product: Mortgage

I obtained all XXXX of my credit reports and my XXXX credit report shows a 90 day late payment, dated XXXX of XXXX. This is XXXX XXXX so this information is 7 years and two months old. As per the Fair Credit Reporting Act, my rights as a consumer are that a consumer reporting agency may not report negative information that is seven years old. I was denied for a conventional home mortgage due this piece of information that is not even supposed to exist on my credit report, as of 2 months ago. I need to have this remedied and appreciate your help. Thank you, XXXX XXXX XXXXXXXXXXXX
Product: Student loan

Every time I try to get ahead on payments, they change the way their interest is allocated or say that I missed a payment even though I'm on auto debit. They have stretched out interest payments as long as they can always finding ways to not actually allocate my money to the principal of my loans. I have now probably paid a few thousand extra or will pay in interest because they can't just be straight forward and take money out and apply it to loans that are supposed to receive the money. Their system makes no sense and it seems they're just trying to keep the payments going for as long as possible to XXXX as much money out of me as possible.
Product: Student loan

Sallie Mae sold my loan to Navient. I was assured that the consolidated loan was eligible for forgiveness after 10 years of on-time payments because I work for a state university ( non-profit organization ). Now I'm told my loan type does not qualify. I would intend to join class-action suit. They've cheated thousands of us, please help. 

Thank you for your attention. 
Sincerely, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This was my follow up for my latest complaint. I am requesting the removal of the following items from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), mandating their removal no later than 4 business days after XX/XX/XXXX. This matter was previously addressed in my prior correspondence, and I am restating it here alongside my new FTC report # XXXX. Please expunge the following items attributed to alleged identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to remove the listed items may result in legal action. I have apprised my attorney of my intentions, and they stand prepared to pursue legal recourse in case of willful noncompliance.
Product: Debt collection

Portfolio recovery continues to call my house attempting to recover a debt, that they never say what it is .... when I question them they ignore my questions or hang up.
Product: Credit reporting

XXXX XX/XX/2013 {$270.00} CABLE/CELLULAR has charged me an incorrect charge which is negatively affecting credit status on all XXXX credit bureaus. I 've cleared all my accounts with XXXX and have an active account with them currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Transunion Failed To Investigate & Provide Me With Proper Documentation Of The FURNISHER Whom Is Verifying This Account As Accurate. I Would Like Paper Documentation Of The Company Whos Reporting This Account On My Credit Report.
Product: Student loan

I qualified for the PSLF program in XXXX of 2022. I have not received forgiveness despite waiting the 90 business day. There has been limited communication about my status or a possible discharge date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried disputing old names and addresses and it has not come off Transunion
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Late Payment Reporting on XXXX XXXX Account To Whom It May Concern : I am writing to formally dispute an inaccurate late payment reported on my credit file maintained by TransUnion for my XXXX XXXX account. This error is causing significant harm to my creditworthiness, and I request your immediate attention to resolve this matter. 
Nature of the Complaint : Inaccurate Reporting : A 30-day late payment is listed for XX/XX/year>. However, I have consistently made payments on time, as confirmed by my autopay enrollment records. This late payment is incorrect and does not accurately reflect my payment history. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates 15 U.S. Code 1681i and 1681s-2, which mandate the accurate reporting and timely correction of errors in consumer credit files.

Civil Liability for Noncompliance : As outlined in 15 U.S.C. 1681n and 1681o, willful and negligent noncompliance with the FCRA may result in actual damages, attorneys fees, and possible punitive damages.

Account Details ( TransUnion ) : Account Number : XXXX High Balance : {$20000.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$19000.00} Account Status : Open Payment Status : Current Past Due Amount : {$0.00} Account Type : Auto Lease Two-Year Payment History : XX/XX/year> : 30-day late payment ( erroneous ).

Requested Resolution : I request that TransUnion investigate this error thoroughly, remove the inaccurate 30-day late payment for XX/XX/year> from my credit file, and update the record to accurately reflect my history of on-time payments. 
Please confirm the resolution of this dispute in writing within 30 days, as required under the FCRA. If the issue is not resolved promptly, I may pursue further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ACCOUNT XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX BANK ACCOUNT NUMBER XXXX has violated my rights, XXXX XXXX account number XXXX has violated my rightXXXX XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX XXXX account number XXXX has violated my rights, XXXX XXXX XXXX account number XXXX, US BANKRUPTCY COURT ID NUMBER XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the rights 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.
Product: Credit reporting or other personal consumer reports

The following names and addresses are incorrect on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

On XXXX XXXX at XXXX and XXXX my ATM debit card was used at an ATM located at : XXXX XXXX XXXX XXXX XXXX TX , twice in a row to withdraw XXXX each transaction at this time I was at work at XXXX , Ar XXXX from XXXX CST a XXXX hour and XXXX XXXX XXXX or XXXX hour flight from the location of the transactions my card was in my possession and I have not shared my pin with anyone I have attempted to contact my bank multiple times and been told I must come into a branch to make a dispute I have thoroughly explained I do not live within XXXX miles of a branch and can not come into a branch I have offered to have the forms emailed or faxed to me so that I can complete them I have filed a police report and my bank is just telling me " too bad because it is not their policy to email or fax the forms regardless of where I live '' I have exhausted all other means of resolving this so I am just making a complaint at this point to hope you guys can help me to get my bank to listen and assist me with these fraudulent charges. The police report number for XXXX XXXX is : XXXX taken by XXXX XXXX over the phone the same day of the transaction if you would please reference my attached screenshot of the transaction as well as my time sheet showing I was there.
Product: Checking or savings account

I opened a new checking account and my account was marked for fraud investigation after an initial deposit. There was no communication regarding this and when I called to find out more, I was told there would be a resolution on XX/XX/XXXX. On the XXXX, I called and was initially told my account was closed, but then was told it was still being investigated with follow up coming on another date. On that date, I called and was told that there was no update. 

I called three days later and was told again my account was closed, a letter was sent, and the check for the funds in the account were being mailed to me. With further inquiry/additional calls I found out the account was closed, but the funds were being reviewed and there was no timeline update. 

There was no communication from the bank regarding the account, I had to call and find out information every time. There is no way for me to check the status or get any information beyond 'it is under review '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX XXXX XXXX XXXX XXXX. I did not authorize XXXX XXXX XXXX XXXX XXXX to pull my credit nor was there a formal application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agencies have not complies with the Fair Credit Reporting Act section 605b, and conrtinued reporting the fraudulent accounts and information on my Credit File without providing me any proof of documentation they found to claim such erroneous things. I am submitting this CFPB Complaint to remind the Credit Bureaus that under the Fair Credit Reporting Act, they are required to remove any accounts that resulted due to identity theft. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the list of accounts and information I need removed below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that these accounts are in violation of that law.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON XXXX   111 TIMES AND IS FAILING TO REPORT TO XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is illegally reporting late payments on my consumer report. I have tried over and over to get them to correct this with no luck.
Product: Checking or savings account

On XX/XX/2017, I utilized my mobile banking application which is linked to my Citibank card to make a purchase in the amount of {$200.00}. The mobile pay failed at the point of sale terminal at the merchant store. I was told in the store I would have to wait 3 to 5 business days for my funds to be returned. I advised my bank that a permanent credit should be returned or a provisional credit based on the fact the charge was pending. As an individual who works at a bank I 'm dismayed by the lack of assistance provided by Citi and the process of having to discuss this issue with customer service representatives who are unhelpful. 

I explained the situation and I was told over and over nothing could be done but to wait. There was no assistance from Citibank to contact the merchant and figure out a resolution at all. I will be closing my account and as a consumer I 'm very disappointed.
Product: Credit reporting or other personal consumer reports

XXXX. Failure to Conduct a Reasonable Investigation : TransUnion violated 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
XXXX. Failure to Provide Details of Investigation : TransUnion failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
XXXX. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : Bank of XXXX XXXX XXXX Bank and TransUnion continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
XXXX. XXXX  XXXX XXXX and XXXX Bank failure to issue a XXXX for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity. Furthermore, reporting debt that XXXX XXXX XXXX and XXXX Bank must be reported as income by me with a 1099-C from these banks if in fact the accounts are charged off. This is how both banks are reporting to TransUnion yet I have received no documentation as I have requested multiple times showing the accounting ledgers for these accounts and all accounts maintained by these banks using my social security number. Income is not permitted to be reported on a consumer credit report. Both of these accounts were settled years ago, yet both banks continue to report to TransUnion without my express written permission from anyone and the information is inaccurate in every way : Account balance and dates are incorrect and must be immediately removed as these accounts are being reported inaccurately and no-one is providing the required by law proof and my agreement to justify reporting of these accounts at all.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX  who's XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXXXXXX XXXX were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

today I was alerted by all the credit bureaus of XXXX false inquiries on all my credit reports i have already filed with identity theft.gov I will upload a copy of the report as well as a result my credit score was decreased in abundance from something I didn't do my self as well as all the credit bureaus violating my rights which in turn hurt my credit score In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 an account without my written instructions