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

XXXX, Equifax, XXXX are reporting inaccurate information of student loan that aren't reporting correct to all three Consumer reporting bureaus. This not a request for an update only a request to remove the inaccurate information once again this not an update. My XXXX account information is inaccurate. This not a XXXXredit repair Service I don't want nor need a repair service that I can't fix myself. Your in violation reporting inaccurate information. The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Credit card

Please rectify the error on my account by removing the incorrect late payment notation. I have always made timely payments and have never defaulted. This issue is significantly impacting my well-being and disrupting my sleep. I implore you to address this matter promptly and correct my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference XXXX : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have bank of america for last 20 years. I used to get email when my balance of my account go below theshold limit so i do n't pay them maintenance fees.     bank of america has started charging me {$14.00} fees for las t three mo nths without my knowledge, as i was not getting any paper or email statement starting from  X/XX/2017    to   XXXX     i have paid {$42.00} in maintenance fees.     every time i tried to call them the line is too busy and there is no email address to send them email on there website.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act 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. 

as 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: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alliged debt, therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) 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: Money transfer, virtual currency, or money service

In XX/XX/2020 I made a {$1400.00} instant transfer by my Venmo account to my XXXX XXXX account. They promised money will reach my account in 30 minutes but passed 24 hours and money wasnt in there. 
I called Venmo and opened a dispute and they send me in couple hours a transaction ID number that I could call my bank and find where the money was. I called my bank and they said with that number wasnt possible find any transaction by Venmo to my account. 
I called Venmo again and they said the transaction was completely successful and my dispute was denied. I called again and they said for another kind of tracking number I need to reach a XXXX XXXX  branch manager, get a official letter and send to Venmo. 
I made a lot of transfer before and I know all my account information is correctly. I understand this problem isnt my business and a issue between Venmo and XXXX XXXX. It was a 6 days ago and I still without my money and I can be overdraft if that money doesnt show up asap. Unfortunately I cant waste my time calling everyday and going to the bank to solve this once I tried and I figured out I can do anything more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wage earner protection rights were violated. I was under wage earner when my second mortgage was refinanced. The loan was with XXXX XXXX XXXX. The new loan was with XXXX XXXX XXXX. XXXX made regular payments to XXXX XXXX without my knowledge or consent. I opened an account with XXXX XXXX in XXXX after I received a settlement from a XXXX XXXX law sue I filed in XXXX. The case number are XXXX & XXXX. I was discharged in the first case XX/XX/XXXX, XXXX on the second one. The case number for the law sue is XXXX. Attorney XXXX XXXX filed the law sue as workman 's compensation without my knowledge. The FBI brought this to my attention. I learned I was under investigation in late XXXX. I was laid off on XX/XX/XXXX, my former continued to pay the courts from my payroll. My employer EIN # is XXXX. I paid the courts {$18000.00} on XX/XX/XXXX to pay all of my creditors off. My employer never stopped paying the courts and they knew I was laid off. The payments was {$140.00} a week from XX/XX/XXXX-XX/XX/XXXX. Someone have abused/is abusing my identity. The person/persons had health care insurance with my personal information. XXXX XXXX XXXX. It 's a group. My drivers license number is XXXX-social security # XXXX. All my former employers have been changed with all Of The credit agencies. My drivers license was copied without my knowledge & my social security card. The spelling of my name was XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. When I learned I was a victim of identity theft. I went to probate court and changed my name to my maiden name. XXXX XXXX XXXX Federal Identification number is ( XXXX ). XXXX-mortgage interest statements was reported to IRS using my personal information. Fraudulent transitions was being reported to IRS. Interest was added to the C/D 's I opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX Federal Identification number is XXXX. I was told by the FBI to pull all of my tax transcripts. I went back to XXXX. XXXX XXXX Federal Identification number is XXXX. It was used to report fraudulent interest on the C/D 's I opened the account with. ( XXXX ) & ( XXXX ). This information was reported to IRS, yet I never received statements. My mail was being stolen, a series of people had p o boxes in my name through XXXX XXXX. From the time I opened that account it was being abused. XXXX XXXX really needs to be investigated, with her mother. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX she is a former postal employee. XXXX XXXX XXXX, XXXX XXXX. I wrote checks for my tithes, money was being stolen.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Loan Under 34 C.F.R. Section 685.215 Dear CFPB I am writing to formally dispute the certification of my student loan under 34 C.F.R. Section 685.215, also known as the False Certification Discharge. I believe that my loan was certified under false pretenses, and as such, I am requesting that my loan be discharged according to the provisions outlined in this regulation. 
Below are the details of the disputed loan : Loan Account Number : XXXX Date of Loan Certification : XX/XX/year> School Name : XXXX Reason for Dispute : According to 34 C.F.R. Section 685.215, a borrower is entitled to a discharge of their student loan if the school falsely certified their eligibility for the loan. I believe that my loan falls under this category for the following reasons : No knowledge of this loan I request that you investigate this matter promptly and provide me with written confirmation that the loan will be discharged as per the regulations. If additional documentation or information is required, please notify me immediately. 
Thank you for your prompt attention to this matter. I look forward to your response within the timeframe prescribed by law. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery/XXXX XXXX Account # XXXX Collections Agency : Portfolio Recovery Associates , LLC. Original Creditor : XXXX XXXX XXXX XXXX XXXX 1. ) Portfolio Recovery has perjured themselves in their last response to The CFPB. They claim they mailed a letter notifying me of the debt they allege I owed to them in XXXX, however, show no proof of such, I never recieved such, I was unaware I could dispute this debt and the only documentation they have stating they mailed me anything at all is dated XXXX, roughly ( 3 ) three years later. 

2. ) Portfolio Recovery made the irrefutably false, fraudulent, deceptive and misleading statement in their last response to The CFPB : " Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$3500.00} was due on the account at the time of PRA 's purchase. '' I have personally confirmed with XXXX XXXX, that the account ending in XXXX was not opened until XX/XX/XXXX, not XX/XX/XXXX as they falsely claim. 

In fact, XX/XX/XXXX has clear records which state my XX/XX/XXXX account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, due to my account being upgraded to a XXXX XXXX XXXX XX/XX/XXXX account which was then updated with a new account number ending in XXXX. None of these dates are remotely close to Portfolio Recovery false and likely forged record of events as they clearly have retaliated for a period of 5 years through deceptive practices. 

The XXXX XXXX Account beginning in XXXX which was opened XX/XX/XXXX, was closed in XX/XX/XXXX, is in fact still listed within my credit report with an exceptional payment history, and a credit limit of {$500.00}, which does not reflect Portfolios records either.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent dispute with an ID XXXX regarding unauthorized and inaccurate inquiry on my credit report that was submitted last XX/XX/2023 that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiry from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX - XX/XX/2023
Product: Debt collection

I got one phone call about a debt owed. No formal notification of the debt from the company or the company that we supposedly owed the debt to. Next thing I learned was that it was added to my credit report without any type of formal communication or the ability to dispute the debt.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Debt collection

Old account with XXXX Department store that went bankrupt, there were fraudulent charges in disputed, but the bank the store was dealing with after the bankruptcy would not listen, negotiate and failed to remove the charges. Then sometime last fall I was unfairly sent to collection by Midland Credit Management for the amount of {$1700.00} that grossly exceeded the " {$420.00} expense balance made by me '' that I can recall was due on that account. My fair credit act right was violated. I contacted them via phone left a detailed message citing 15-USC-1692-G no reply. Then I wrote a letter again citing 15-USC-1692-G on XX/XX/scrub>/2024 mailed it certified and was delivered, but never get any response instead MCM reported me to collection. The amount that they claimed is grossly inaccurate, and I asked for the following Debt Validation and as of today still no answer.

Here are some of the points I made and requested ( 1 ) I want you to send me a detailed list of the history of payments made by me on this account. ( 2 ) I want to see the signature that I put on a contract guaranteeing that I pay this creditor. ( 3 ) I am asking to see that, has there been any insurance claim filed on this account. ( 4 ) I want to see proof that you have the chain of title to collect on this debt. Thus, I am seeking help from CFPB for this violation from MCM. I want MCM to take action by sending me a certified letter to forward to the three credits bureau as proof to erase that negativity on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't open a savings account due to credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/nelnet  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  is only company reporting this error
Product: Vehicle loan or lease

Westlake financial sent XXXX XXXX to repo vehicle on XXXX XXXX I never received a letter from them that the vehicle was up for repo or a letter on how to collect the vehicle But received a letter from Westlake financial that they were selling the vehicle on XX/XX/year> I performed did heated nothing form Westlake financial.
Product: Consumer Loan

Ally financial has late payments fees and I understand that is just that they promise to waved the past month fees of XXXX dollars approximately and it 's been more than 25 days that they said that they would and they have n't done any changes to the account of that adjustment I am really mad because as I explained them the reason of my payment delay was because I had a family emergency and most of the time pay roll is something that is not on my behalf I just have to wait to get paid when my boss pays me I have no control for that it 's sad that this big company keeps telling me that I need to contact them thru the phone and they do n't seem to fix the issue. I keep telling them and repeated them my situation over and over and as they stated and promise that they would help me and adjusted nothing is yet waived after all those many times we spoke and after those secure messages that I sent thru the mobile app all they kept saying was I need to call ally financial to discuss that matter but why when we had already talk and they promise to waived the late fees of XXXX it 's not like I 've XXXX payments I have good relationship with them and I would want my relationship to be finished. I hope that they consider not playing with the customers since they had agreed to waived the fees and than not doing it after all. It upsets me so much.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I'm asking you to verify as accurate. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Address/Previous Address ( es ) Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is XXXX XXXX XXXX I do not live here nor have a lease here nor a Mort from the bank for this said address. 

This unit is in some one else name and belongs to them not me nor have I ever been to the building or rented or lease.
Product: Credit card or prepaid card

I have applied for a credit limit increase on my existing credit card account several times and NEVER receive a response. I have called to follow up and been told that a " letter '' was sent to my confirmed address on file and no one can tell me what the letter states or why my request is being denied. I DO NOT RECEIVE THESE LETTERS. At this point I am left to believe I am being discriminated against and not given the same opportunities as the rest of the members.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, 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 Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have a collection listing on my credit report that I have NO IDEA why they are reporting! 
This is not my account and I need it removed asap! 

XXXX XXXX XXXX  NOT MINE 2. US Department There are 4 XXXX Loans listing. These are my loans. However, I have NEVER been late. I am on auto draft for my payments and as you see I make every monthly payment. 

a. The dates on my credit report that are showing no payments is because ; The interest-free XXXX loan payment pause, known as forbearance, began as an emergency pandemic measure in response to the COVID-19 pandemic in XX/XX/2020 under then-President XXXX XXXX. It was eventually extended nine times over the course of three and a half years.