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

I was affected by the XXXX breach. Someone has stolen my identity. I've taken every precaution to try to secure my information. I've put freezes AND extended fraud alerts on all 3 credit bureaus SEVERAL TIMES ( Experian - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX - XX/XX/XXXX ; XX/XX/XXXX ; and I locked the account myself online around that time. I also put a promo block on XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX ; XX/XX/XXXX {$5.00} ; XX/XX/XXXX and XX/XX/XXXX ) and they were allowed to be lifted by someone who was NOT ME. I have put verbal passwords in place to ensure nobody can alter my information, but they were either overlooked or accepted pending further questioning to " prove my identity ''. The " further questioning '' consists of questions giving multiple choice answers to someone who has already stolen my identity and can see the answers on my credit report. In one or 2 cases, someone was allowed to fax in " my '' drivers license for the freeze to get lifted. It was NOT MY DRIVERS LICENSE. I shouldn't have to feel like I'm protected over and over again, only to get alerted by my credit monitoring company that new inquires or tradelines are again being opened in my name. I'VE ALWAYS LIVED IN MINNESOTA. The fraudsters have given me an address in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX IL XXXX. I'VE NEVER LIVED IN XXXX! I have spoke to multiple people at the 3 credit bureaus who assured me none of my information would change, YET IT DOES!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX US Dept Ed Acct. # XXXX US Dept Ed Acct. # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C also states a consumer reporting agency can not furnish a account with out my written instructions.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I seen a hard inquiry that did not have permissable purpose ( XXXX XXXX ) between XXXX XXXX This Inquiry has no permissible purpose to be on my report.Delete this inquiry due to violation 15 USC 1681b
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a financial instrument that represents a debt owed by the issuer to the holder. You are a consumer reporting agency, not a revenue agency such as the IRS. Why are you reporting certificates of indebtness to my consumer report which by law is ONLY to contain permissible purposes as outlined in Section 604 or the FCRA. 

These income accounts need to be removed IMMEDIATELY : XXXX XXXX XXXX PREFERRED CREDIT XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been fighting a long battle with Transunion for quite some time now, I have sent over disputes about unverified accounts - instead of the company doing what they are supposed to do they are continuing to send me stall letters or just not responding at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read complaint number XXXX. Equifax did nothing to resolve the actual issue. CFPB did nothing whatsoever either. In fact, CFPB closed my complaint without even waiting for my feedback to see if the problem was resolved. Seriously? What exactly is the purpose of CFPB? Is there a government agency out there that will actually review and address complaints? What agency do I need to report this issue to so that it is actually is fixed?
Product: Credit card

I was discriminated against because of my credit report, incorrect and misleading reporting 15 USC 6802,15 USC 6803, 15 USC 6804 and 15 USC 6805 sharing, unverified information, causing me denial of credit. Title 15 subsection 1611, the not faults and denial of my own personal credit.
Product: Vehicle loan or lease

The account in question in discussion is Toyota Motor Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XXXX I was unable to make the payment due to Covid As soon as I was able to I did make the payment immediately.
Product: Debt collection

this company refuse to tell me anything about a debt that's from another side of the world I dispute with XXXX comes back verified even through when I call this company direct there no answers or responds!!??????
Product: Credit reporting or other personal consumer reports

I did not take out this account. It does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing a dispute against Debt Recovery Solutions for stating that I allegedly owe this debt. I have found several laws that Debt Recovery Solutions have broken the laws are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and Debt Recovery Solutions is the person ( corporation ).
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

they contact me once a week and constantly harass me after i explain to them it was fraud i was incarcerated during the time period
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX ( XXXX account ) Account Number : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, Equifax and XXXX of the invalid address on my profile and is not a correct location. XXXX has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # 1XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to XXXX, Equifax, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.
Product: Credit card

On XX/XX/XXXX, I received an e-mail from XXXX that there had been a change to my credit report. When I looked into the details, I saw that Bank of America reported a more than 30 day late payment for my Bank of America credit card. I was shocked, since I barely use the credit card. I also had automatic payments set to come out of a XXXX XXXX checking account with plenty of funds. The automatic payments went through each month in the past and I hadnt turned them off. In addition, I had alerts turned on with Bank of America that I had also not turned off so I should have received an e-mail if there were any issues. I did not received any communication that my automatic payment had not posted or that my payment was late. 

When I called Bank of America, the representative was not sure why my automatic payments were canceled or why my notifications were turned off. When we were able to get in touch with the online banking department, they said that when I closed my Bank of America checking and savings account in XXXX, it triggered a change to the type of account I had with them ( from a checking/savings and credit card account to a credit card only account ) and therefore canceled my automatic payments ( even though they were coming from a different bank where the account was and still is still open ) and turned off my notifications. 

When I called to close the checking/savings accounts in XXXX, the representative failed to tell me that the change would trigger changes to my credit card account ( for the automatic payments and my notifications to be turned off ). In my XXXX  years of credit history, I have never had a late payment. I called and virtually chatted with Bank of America representatives XXXX times, had my case escalated multiple times, and they refuse to remove the credit alert. This credit alert caused a drop in my credit score of over 100 points, for an unpaid balance of {$150.00} that was not my fault. Their refusal to take accountability for their error has made it so I may no longer qualify for housing as I look for a new rental and may have to pay tens of thousands of dollars more for a loan as I look to buy a house in the near future.
Product: Student loan

I have been trying since XX/XX/2018 to get my loans recertified for an income-based repayment program, and due to errors by the servicer ( XXXX ), my recertification was delayed, and now, I have been placed into an inappropriate repayment plan. 

My recertification request, with my tax return and my spouse 's tax information, was submitted on XX/XX/18 ; after a request for additional income documentation on XX/XX/18, I provided that information the same day. 

On XX/XX/2018, I was notified that my request could not be processed, and on XX/XX/2018, I received a letter informing me that the issue with processing my recertification request was because my tax return had not been provided. I called XXXX, and after a discussion with Customer Service, it was agreed that my tax return had already been provided and that my application would be sent back for review. 

Despite repeated attempts to check on the status of my recertification, it took weeks longer for my recertification to be processed, and on XX/XX/2018, I learned of a new issue. My recertification was approved, however, after it was determined that I did not qualify for the repayment plan that I requested, and rather than placing me into a repayment plan with the next lowest payment ( IBR ), I was placed into REPAYE, which because it includesmy spouse 's income in its calculations, will increase my payments by approximately {$850.00} higher than IBR, the lowest repayment plan I qualify for. 

Per the XXXX representative I spoke with, my only option was to start the process over again with a new recertification application ; even though they had failed to follow the instructions of the program requirements of placing me in the lowest repayment plan I qualify for ( since I did not qualify for the one requested ). 

Unless I pay more than I should be having to pay, I will now be losing the ability to make qualifying payments for at least the next month, if not longer. There have been repeated errors and delays with the processing of my recertification.
Product: Mortgage

XXXX XXXX A SCAM ARTIST CONVINCED ME HE HAD PURCHASED PROPERTY XXXX XXXX XXXX AND I MOVED OUT XX/XX/XXXX BUT HE LIED. HE AND MY NAME ARE ON TITLE. THE FEDERAL TRADE COMMISSION CONTACTED ME FROM FTC # XXXX XX/XX/XXXX AND INSTRUCTED ME TO CALL CHASE AND ASK THEM " WHAT THEY WILL DO FOR ME '' AND TWO WOMEN SAID MR. XXXX WE APOLOGIZE FOR WHAT XXXX XXXX DID TO YOU AND ARE DOING A LIEN RELEASE ON THIS PROPERTY FOR YOU AND CONGRADULATIONS FOR A PAID UP LOAN. 

ARE MY XXXX LOAN SAFE OR HAVE XXXX XXXX STOLE IT? 

THEY SAID THEY WILL NOT RELEASE INFORMATION TO A THIRD PARTY WITHOUT MY AUTHORIZATION. THEY HAVE INFORMED ME THAT THAT HOUSE IS YOURS. 

I SPOKE TO XXXX XXXX OF THEIR MORTGAGE DEPARTMENT AND SHE SAID THIS IS FRAUD, THAT WHAT XXXX XXXX REGISTERED XX/XX/XXXX IS FRAUD AND PROVIDED ME WITH CASE XXXX XXXX.
Product: Credit reporting 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/delete any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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: Debt collection

I VISITED WITH MY XXXX DOCTOR A YEAR AGO, XX/XX/XXXX. AT THIS TIME, I WAS NOT INSURE. I SELF PAY FOR THE XXXX VISIT. UNFORTUNATELY, I WILL BILLED XXXX DOLLARS. I WAS ERR FOR NOR FOLLOWING-UP WITH XXXX XXXX TO INQUIRE ABOUT THE DEBT..HOWEVER, NOT LONG, I RECEIVED A LETTER FROM QAR RECOVERY ABOUT THIS DEBT. I GOT FURIOUS NOW AND CALL XXXX XXXX BILLING OFFICE. I SPOKE WITH A REPRESENTATIVE AND INFORM THEM THAT I SELF PAY FOR THE VISIT AND IT IS THE POLICY OF XXXX XXXX TO REDUCE THE PRICE WHEN THE PATIENT IS SELF-PAYING. THE REPRESENTATIVE AGREES AND APOLOGIZE AND THEN REMOVED THE OUTSTANDING BALANCE FROM MY ACCOUNT. I ALSO CALL QAR AND EXPLAINED TO THEM THE ISSUE AND THEY INFORMED ME THAT THEY WILL LOOK INTO IT. THIS ISSUE HAS BEEN RESOLVE FOR OVER A YEAR NOW. LAST WEEK, I RECEIVED A NOTICE ABOUT A CHANGE IN MY CREDIT HISTORY FROM MY CREDIT PROVIDED. WHEN I CHECKED, IT WAS XXXX.I TAKE MY CREDIT VERY SERIOUSLY AND I AM VERY CONCERN AS TO WHY THEY HAVE PUT THIS ON MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of Transunion and Experian. It is past the  XXXX  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to   XXXX   as well as multiple consistent 120 day late entries from   XXXX   to   XXXX   I have made no payments whatsoever past 12/2008 yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.     I just want to let the CFPB know that the company response is a lie. They sent me a letter to my home on   XXXX   XXXX  . The account number is also incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unauthorized inquiries that I would like to dispute are as follows : XXXX on XXXX XXXX on XXXX XXXX on XXXX XXXX  on XXXX I have no affiliation with the companies listed above and did not provide them with authorization to access my credit report. As such, I believe that these inquiries should be removed from my credit report. 

Additionally, I would like to request that an incorrect address be removed from my credit file. The address in question is XXXX XXXX XXXX XXXX XXXX WI, XXXX. I have never lived at this address and have no association with it. Therefore, I request that this address be removed from my credit file as soon as possible. 

Enclosed with this letter are copies of supporting documentation, including evidence of my current address and identity, that clearly demonstrate that these inquiries and address are incorrect and unauthorized. I request that you investigate these items and remove them from my credit report as soon as possible. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate this matter within 30 days of receiving my dispute. I request that you notify me in writing of the results of your investigation, and provide me with an updated copy of my credit report that reflects any changes that were made. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I opened an account and closed it shortly after. In person. I signed papers. Now I'm receiving emails saying I have a credit card or an open account. I have called these people several times in my city and they don't answer the phone. I don't know what else to do.
Product: Payday loan, title loan, or personal loan

I think I made this loan with loan Star Title since maybe, XXXX Or XXXX of XXXX ... today, I'm still paying 320.4608 % on my 2009 XXXX. For months I have to XXXX and somethng a month and still doing. I thought as my bill, gets lower, the interest too would be lower. No, maybe a dollar or two goes down each month
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

im writing this because I noticed an item on my EQUIFAX credit report that should NOT be reporting. EQUIFAX has been notified by the original creditor to stop reporting this account and yet EQUIFAX is stlll reporting this account. in addition to that reporting this account is a violation of 15 US CODE 1681s-2 because this account is a charge off with a XXXX balance which is considered " cancelled debt '' and according to the IRS which states : " In general, you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt ''. And according to the FCRA It is not permitted for any credit reporting agency to report income on a consumer credit report. It also states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 inaccurate. 

Here is the inaccurate account in question : XXXX BANK / XXXX XXXX XXXX # XXXX