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

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My son was a student at  XXXX   XXXX   XXXX .   I " co signed '' his  one year lease. " Guarantee '' One year later he took a new lease, new date, new dollar amount. I did NOT co sign and did not guarantee the seco nd lease.   Landlord is trying to hold me responsible. The landlord has hired National Collections of  XXXX   Ga. to collect on unpaid rent and damage to apartment.    The bill collector removed the staple from the first lease, removed the signature page with my signature from the first lease and attached it to the second lease in attempt to imply I co signed second lease. My evidence is clear from date on the " guarantee '' and from date of public notate signatory.   Please help me have this removed from the  XXXX  credit reporting files :   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am filing a case against the XXXX and Transunion Credit Bureaus for violations of the Fair Credit Reporting Act or FCRA, Section 605b. These credit bureaus have engaged in unfair and deceptive practices by providing inaccurate information in my credit file. I am not satisfied of what the XXXX and Transunion Credit Bureaus reported some inaccurate information in my credit file. I found out some inaccurate inquiries and I never upheld these all, For this reason, I want you to help me delete these inquiries in my credit file : XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX Inquiry : XX/XX/2023 ; XXXX Inquiry : XXXX. XXXX, 2023 ; XXXX Inquiry : XXXX. XXXX, 2023.
Product: Debt collection

In XXXX of XXXX I filed chapter XXXX bankruptcy I have an auto loan with TD bank I did not list them, As a creditor in my petition I reaffirmed the debt, and continue to make payments of {$530.00} As agreed. 
In XX/XX/XXXX due to covid virus I requested forbearance agreement TD bank stated that they could not communicate with me on account of my Bankruptcy status they also stated that I would not have to make any payments for 60 days something about a cooling off period. between XXXX and XXXX of XXXX I contacted TD bank to find about my auto loan and was told that they could not communicate with me. 
I have tried to honor my obligations with this company, calling repeatedly to speak with an account manager to no avail. 
I have made all of my payments plus late fees the company accessed on my account. 
I have paid up until XX/XX/XXXX I make a payment of {$800.00} in XX/XX/XXXX and another payment in XXXX of XXXX of {$300.00} I owe one payment for XX/XX/XXXX Every monday this company calls my home at XXXX making threats.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your  company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Debt collection

Midland Credit Management has called my phone several times a day for months. I repeatedly asked them to send me the information in writing so I can look over the information and make sure that I am dealing with an actual collection company. Now they are flagging my credit report every week for the same collection. But I still have not received any information in the mail. This company will call from different numbers from all over the united states.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX {$810.00} XXXX XXXX {$590.00} XXXX   XXXX {$790.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I initiated an instant transfer of {$100.00} to my XXXX  account on XX/XX/year>. The transaction said that it failed and something went wrong. When I went back to my Venmo account, my balance said {$0.00}, and the transaction did not show up in the completed transaction setting. I spoke with an agent ti get this cleared up and they stated that this was an issue that the XXXX  team had to resolve and they would push my case as a priority, I needed the conversation with the problem not being resolved. I spoke with another agent a week after that and received the exact same response from them, only this time the agent believed that the instant transfer went through, when that was not the case at all. Which leads to me to believe that this company is running a scam that is taking money from people via instant transfers and leaving the consumer hanging by not resolving their issue. I can not do anything about this on my end and other than talk with more agents who dont know what theyre doing.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX and the credit bureaus at nauseam, in an attempt to get this account verified or removed from my credit reports, and absolutely nothing has been done. The Account Number is XXXX, and it says it's for a collection in the amount of {$1500.00}, and that the account was opened on XX/XX/year>. The date is completely wrong, because I signed up for ZERO new accounts at the time, or even in the vicinity. I do not know what/where/when/who this account is for, and I have asked repeatedly for a copy of the contract via mail, and they refuse to provide me with this information, yet they keep " verifying '' this account when I dispute it without contacting me. This company is lying ; they know this account is fraudulent and they can not verify it, which is why they refuse to send me the documents I am entitled to under law. I am entitled to a copy of the contract they say I owe, which they have listed on my credit reports, but refuse to let me see. I need to receive a copy of this contract that clearly shows I opened this account and owe this money, or I need it removed from my credit report, because it is fraudulent and false, and they refuse to provide me with the information I have requested over and over again. This is against the law, I have the right to obtain the documentation that proves this is mine, and I have not been given what I have requested time and time again. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for an account with Equifax and created a login. They physically mailed me a code to enable me to create the account. The code was accepted but then when I attempted to login with my credentials ( using a password storage tool so I know I didn't type the credentials incorrectly ) all I get is the following error message, " We are temporarily unable to complete this request. 
Please try again later. '' based on the comments here, https : XXXX This " temporary issue '' appears to be intentional to prevent people from locking their credit reports.
Product: Credit reporting or other personal consumer reports

Earlier today, I discovered that my credit report contained incorrect accounts, and I have no explanation for how they appeared. As usual, I checked my report, but this time, I noticed inconsistencies that werent there before. I even tried refreshing the page to see if it was a system glitch, but nothing changed. Due to this concern, I urge you to carefully examine the documents Ive submitted so that I no longer have to deal with this issue.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SS # ENDING IN XXXX
Product: Student loan

Several of my accounts are showing late payments, this should not be as all my accounts are in forbearance. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

Accounts with Nelnet 15 USC 1681 Section 604 A, Section 2 ; It also states that a consumer reporting agency can not furnish a account without written permissions.

15 USC 1681 c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 16818-s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

Although I haven't declared bankruptcy, there seems to be a mistaken tag associated with my financial status. My record erroneously reflects a bankrupt status, despite no such declaration having been made. This discrepancy has caused confusion and requires rectification to accurately reflect my current financial standing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on my credit report i have never had an XXXX XXXX credit card they must have mistaken me for another person
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I opened a Victoria Secret line of credit in XX/XX/XXXX. The payment due date was XX/XX/XXXX. I made a payment to Comenity Bank in full on the payment due date : XX/XX/XXXX. Since then I had not received the credit card itself, any credit card statements, received any emails or calls/messages regarding tgis account. I had not made any other purchases since paying the account off in XX/XX/XXXX. I receive a late payment alert on my credit report on XX/XX/XXXX where I saw an outstanding amount of approximately {$280.00}. I immediately contacted Comenity and learned that the company posted my payment on XX/XX/XXXX which made my payment late. A late payment of {$41.00} was assessed. Thereafter further late payments plus interest was applied since XX/XX/XXXX now totaling {$280.00}. The company 's payment system did not denote that payments made after XXXX ( which I was told by the customer support manager ) are considered late. The excessive fees could not be waived although I made my payment by the due date and in full. I was told that the company could not waive any fees and that I must pay it. This is predatory!
Product: Checking or savings account

During XXXX XXXX XX/XX/2023 I was on a retreat with my girlfriend and camping outside of XXXX XXXX Tx XXXX I left all of my personal belongings in my truck parked outside of my apartment building. When I returned, I was missing my phone and my wallet unfortunately. As I got a new phone, I was alerted that there had been tons of alerts from Wells Fargo, my bank. Emails and text messages regarding suspicious activity I had missed through the days. When I got into my online banking I was prompted to change my login information. I then saw that over {$4500.00} worth of charges had been made from the XXXX, Texas area to Colorado. Some of them including XXXX, which is illegal in Texas. I filed my claim the same night I returned home and waited to hear back. This morning on XX/XX/2023 I was informed that it was denied. They claim that the patterns are not consistent with what they are looking for. They are also claiming that the headquarters of the merchants XXXX be reported on the transactions and that the transactions were made in Texas. They also claim that since my PIN was used there is no chance it was anyone but me. Half of the transactions were made using my XXXX XXXX and online banking however. I just started a new job and lost my a majority of my {$5000.00} signing bonus. I was going to have a police report and they said I never provided it, but they said someone would reach out and ask for it. That request was never made from me and I didn't have a chance to even submit it. Per the process I will file it and provide it to anyone neccessary. I am asking for help as they are denying my chance to appeal the claim. The person I spoke with last told me to dispute it with fanduel and others, but I don't have any kind of information on these merchants or accounts created using my banking information.
Product: Credit reporting or other personal consumer reports

I have provided court documents that XXXX XXXX XXXX was informed to retract erase from my profile {$420.00} I have sent registered letter as well to XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX GA XXXX which was returned BAD ADDRESS
Product: Credit reporting or other personal consumer reports

Theres an account reporting on my credit that doesnt belong to me, My identity was compromised and im asking for a removal of the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I submitted a PSLF employment certification to my ( XXXX XXXX ) student loan servicer on XX/XX/22. I saw my HR representative at my former position sign the paperwork. 

However, my servicer has determined that the paperwork was " digitally '' signed. That's just false. I asked them to correct their mistake but on XX/XX/22, they refused to do so. 

Now because of this false determination, I have to reach back out to an old employer to get the same form signed. It is absolutely absurd.
Product: Vehicle loan or lease

I purchased a car from Carvana in XX/XX/2019. Carvana guaranteed that it would register and inspect the vehicle. It failed to do both.
Product: Debt collection

NES - National Enterprise Systems : They continue to call my place of work. They are lying saying my voicemail is full and giving messages to our corporate call center. I have been reprimanded for these continuous calls and now I am afraid of losing my job. Yesterday for example they called at XXXX ; XXXX ; XXXX ; and XXXX. Can someone please help? Thank you.
Product: Credit card

XXXX XXXX XXXX is charging a {$3.00} paper statement fee, however their app is broken and you can not access, get notifications, or pay through the app.
Product: Debt collection

I purchased a house XX/XX/XXXX, in XXXX, Georgia. Property address is XXXX XXXX XXXX, Georgia. At the time I purchased the property, I received a XXXX loan with XXXX XXXX XXXX. The 80 % was a conventional loan and the 20 % was an unattached note on the account. The property went into foreclosure and was sold in XX/XX/XXXX. The 80 % was satisfied, however the 20 % part of the loan was not. The XXXX part of the loan was sold to a debt collector which is known as Real Time Resolution. The debt collector, Real Time resolution has been reporting this as a late mortgage payment every month on my credit, when I no longer own the property, instead of an account in collection. Since the creditor has been reporting this as a late mortgage payment every month, it has really affected my credit. I have reached out to the creditor directly and also disputed on my credit report, and the creditor refuses to make the necessary corrections. This is an unfair and deceptive way of reporting a debt as a mortgage debt instead of an collection, when the creditor bought the debt and is clearly identifying themselves as a debt collector. I need for the creditor to correct my credit reporting information as soon as possible.
Product: Money transfers

Moneygram has blacklisted me and will not let me send money across the street let alone anywhere else purely based on conjecture with no evidence of proof or eyewitness testimony! 
Dear XXXX XXXX, Thank you the letter you mailed to our corporate office dated on XXXX XXXX 2016, detailing your concerns associated with MoneyGram XXXX. 



You have complained that MoneyGram has refused service. 



Please be advised that in order to protect the safety of our customers, and to meet our compliance requirements, MoneyGram actively reviews transaction amounts and frequencies and will, from time to time, put restrictions in place to safeguard our consumers. MoneyGram retains its rights to process or decline any transaction sent through its system at any given time when it does not feel comfortable with the purpose of the transaction and/or sending/receiving activities of the customer. 



After reviewing your send activity, MoneyGram Compliance Department determined that your transactions raises several red flags concerning the activity. Due to this reason, your name was placed on restrictions in the MoneyGram system which disables you from using our services. This decision was made after careful consideration and can not be changed in the future. We apologize for the inconvenience. 



Providing first class service is one of our main priorities. Again, we are sorry you encountered any inconveniences with our service. 



If you have any questions, you may contact us directly by e-mailing us at XXXXXXXXXXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence Regards, XXXX XXXX XXXX - Resolution Assurance ______________________ MoneyGram XXXX p : XXXX f : XXXX XXXX XXXX , Texas XXXX , US