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

I contacted TransUnion on or around XX/XX/XXXX regarding incorrect information on my report ( false addresses, et cetera ). It has been over 30 days since, so the dispute has expired off their website, so I can not accurately relay to you everything I disputed. I have had this problem with all three companies ( XXXX, XXXX and TransUnion ) regarding addresses I have NEVER lived at before, hence when I answer personal questions to verify my identity, it asks me things that I have literally no way of knowing. This is why I have tried correcting the addresses on file. 

TransUnion proceeded to send me an amended credit report to AN OLD ADDRESS. The only way I KNOW of this is that my brother still happens to live there. I have not lived in that house in over ten years. 

I have the same problem with XXXX. They have incorrect addresses on file, some that are just outright nonexistent, and when I tried correcting the issue, the only thing they were able to do was remove the nonexistent ones. They corrected the ones that were wrong, but they did not change my current address. I tried to buy a XXXX XXXX through XXXX 's site, and they verify credit through XXXX. I only know this because it did not work with my current information, but when I utilized the WRONG information listed on XXXX, it verified my identity on XXXX 's site. I have tried to explain that the addresses they have listed are in the wrong order, and are completely incorrect in terms of my timeline for living in them. They still think I'm living in Florida, in my very first apartment there, from ten years ago. It should also be said that due to their incorrect address information, I am unable to pull my credit report from them online due to incorrect questions being asked. There is no conceivable way I know the answer to half of them, hence I must've gotten one wrong at some point because it has now locked me out of accessing my credit report any other way than to mail things in. It is incredibly infuriating. 

With XXXX, my credit report with them is literally the shortest-lived report of all three. They have barely any information to give me, and when companies try to pull my credit, XXXX  refuses to come up. I have checked multiple times to see if there is a freeze or a fraud alert on my account, and as far as I can tell there are neither. I even went so far as to FAX IN MY INFORMATION to those XXXX because they demanded it to verify my identity by phone and give me any further information, and those pieces of XXXX claim they never got my fax. I had to spend a dollar per page, three pages, just to fax something to them, and they LOST MY XXXX INFORMATION. It seems to be a trend with XXXX, I guess. My husband and I are trying to buy a home, and so our credit is having to be checked. Fortunately they can pull two of three up for me, but even so, the fact that XXXX  just adamantly refuses to pull for me is concerning. I can not make heads or tails of it and NO ONE there is willing to help me at all. It is the most aggravating feeling, feeling like someone is holding my entire existence XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Please delete any other references to names as they are not mine and I have never used any of them. 

Please remove ANY other information you are currently reporting as they are NOT accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

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 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 

15 U.S.C 1861 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 hem of information other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 16816-2 ( A ) ( a ) A person shail not furnish any information rolating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to information is inaccurate. 

Delete these hard inquiries accounts below XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX, I called to payoff my chase credit card and was given a total by supervisor at Chase. Supervisor said you will not be charge interest anymore after this I am making sure all is included in the payoff. on XX/XX/XXXX I get charge of XXXX dollars on a {$11000.00} balance. in a summary on XX/XX/XXXX, she charged all interst at that point no interest should have been billed after that since the balance is XXXX. I called back onXX/XX/XXXX and another supervisor will not make the adjustment and insist that she did not charged me enough that is the reason I need to pay. All I am asking for interst to be credit to my account. I overpaid my account because I made a payment on XX/XX/XXXX of XXXX and then paid off on XX/XX/XXXX. that is why they are trying to take my money. I need my money back. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX  XXXX XXXX which became illegal in my state around the same time ). I took the loan out in XXXX, I missed a payment and they sent me to their collection agency NCB XXXX XXXX XXXX. I ended up paying off the loan before it was initially due. I paid it off in XXXX XXXXand they said they would not report it. They never fixed it. I should have had a good score. I only missed that one payment and was back on track and paid off before the agreement. They are a high interest rate loan company and while this was happening it became illegal in SD. They told me they would not report it as collections because I did reconcile my debt with them quickly, yet three years later it is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a complaint to Collection Center Inc of Wyoming XXXX Their response " XXXX XXXX, thank you for contacting Collection Center Inc. to allow us the opportunity to address your concerns. When we received your correspondence, we immediately ceased all collection activity and began our investigation. We have closed your account in our office. As a courtesy, we have also requested that the credit reporting agency delete this account from your tradeline. Should you have further questions, you may contact us at XXXX during normal business hours and an associate will be glad to assist you. '' This is per CFPB Case XXXX. The account still shows on my transition record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters in attempt to have a proper investigation performed on my behalf.I am suffering from XXXX and Iam in a severe financial hardships due to the failure of compliance on the behalf of the 3 credit bureaus.Several inaccurate items are still on my credit report after my investigation. 
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and 15 US code1681i ( 5 ) these accounts are in violation of not reporting these accounts accurate.
Product: Credit reporting

I paid {$4.00} to Experian to receive my Fico score after viewing mctheyy creidit report
Product: Credit reporting or other personal consumer reports

Please remove and block the unauthorized accounts from my credit report as soon as possible. I did not authorize or initiate these accounts and have no knowledge of their origins. In accordance with USC 1681g, I formally request their removal within 15 days. Enclosed are the necessary documents for your review and referenc
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor 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 alleged fraud or extortion. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed an online credit dispute with Experian credit bureau on XX/XX/XXXX, to inquire about the following student loan accounts below ( listed by date opened and the original loan amount ). 

Date Opened Original Amount XX/XX/XXXX {$8500.00} XX/XX/XXXX {$8500.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$4200.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$8700.00} XX/XX/XXXX {$6600.00} XX/XX/XXXX {$16000.00} XX/XX/XXXX {$110000.00} XX/XX/XXXX {$6100.00} XX/XX/XXXX {$11000.00} XX/XX/XXXX {$12000.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX {$31000.00} On XX/XX/XXXX, Experian responded via the Experian website and stated the information was accurate. However, XXXX and XXXX have different, more positive information which is reflected in score differentials over the past 6 months. 

On XX/XX/XXXX, I sent Experian XXXX XXXX a letter ( Certified Mail Receipt Tracking # XXXX XXXX XXXX XXXX XXXX ) inquiring as to why their credit bureau is the only one negatively reporting my paid/ closed student loan accounts. As a first-time home buyer, this is negatively affecting my personal credit and ability to be taken seriously when inquiring about home ownership. 

I told Experian credit bureau to investigate every piece of information on the paid/ closed student loan accounts I have listed below. 

According to FCRA, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 15 U.S. Code 1681 Today ( XX/XX/XXXX ) I received an Experian credit report via US mail. just All accounts state paid/ closed on the account. Experian stated my account was verified. I am questioning the validity of the agencys proper investigations according to the law. 

Also, this information on these accounts is still negatively reported only by Experian. And according to FRCA15 USC 1681, all information reported should be investigated to the fullest meaning of the definition to ensure all credit bureaus are reporting the same fair information to assist first-time home buyers.
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 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX  # XXXX, XXXX XXXX LL # XXXX, XXXX  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 XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX 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 were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I 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: Debt collection

To Whom It May Concern, I am writing regarding an alleged debt associated with account number [ Account Number ], which I believe is the result of identity theft stemming from a data breach. This debt does not belong to me, and I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

The information used to create this account appears to have been stolen in a data breach, during which my personal information was compromised.

To validate this debt, please provide the following : 1. The name and address of the original creditor.

2. A detailed breakdown of the alleged debt, including the principal, interest, and fees.

3. Copies of any contracts, applications, or agreements allegedly signed by me.

4. Evidence linking me to this debt, such as usage history or IP addresses.

Because this debt is fraudulent, I am also requesting : 1. An immediate halt to all collection activities.

2. That this account is removed from my credit report, as it is inaccurate.

This letter serves as formal notice that I dispute this debt. Please respond in writing within 30 days, and address all correspondence to my address above. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified " that I have disputed Please resolve this manner as soon as possible Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account on my 3 credit bureaus is a account i did not authorized and there reporting damaging inaccurate information on my credit report i reached out numerous of times but get ignored Last reported Date Last active Past due Date of last payment Date opened All inaccurate information i did not give written permission. 

Experian XXXX XXXX
Product: Debt collection

I was contacted by TSI ( bill collection agency ) to collect FALSE Discount Power electric ( past due ) bill for an address in XXXX, TX, that was using MY name and mailing address ( in XXXX, TX ) as the billing name/ address. Per discussion with power company, the account holder also has my social security number identity!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Experian XXXX XXXX : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2XXXX, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Student loan

Navient is trying to break their terms of the IBR program by mis-reporting my payments and 'fixing ' the estimated payoff date to some time far further in the future than the Federal Guidelines allow under the IBR program. I believe they " fixed ' the date by putting me in forbearance when I actually qualified for {$0.00} payment structure under the IBR program. This may have illegally extended my payoff date. Their 'no action ' correspondence has been attached.

Navient, my loan servicer, illegally extended the " forgiveness date estimate '' for three of my loans ending in XXXX, XXXX, and XXXX to XXXX. Under the IBR program, they are estimated to end roughly 25 years after origination. That estimated date is around XXXX based on my loan origination. 

All of my other loans, that were originated within the same timeframe are being reported much differently. Loans ending in XXXX, XXXX, XXXX, XXXX, and so on. These three are being widely mis-reported, while the other loans are showing to estimate loan forgiveness at a later date also, XXXX and beyond. 

When Navient customer service emailed me back after my inquiry, they refused to make the proper adjustments whereby potentially collecting beyond the Federal forgiveness date based on IBR guidelines.
Product: Credit card or prepaid card

On XX/XX/2020 I charged {$730.00} to my Chase card. I did so because of this offer https : XXXX. There is a {$250.00} cash back offered. The card company is saying this is not valid. But will not give a reason why. This was my first purchase.
Product: Credit card or prepaid card

Received " Pre-Selected '' offer from Capital One XXXX. I want to opt out of these offers. Called their XXXX number XXXX. One of the first things that they asked for was my Social Security Number. I hung up. How can I opt out of these annoying pre-screened offers? I get quite a few of these offers. Most of them I have been able to stop, but this one is particular bothersome. Can you help?
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$3800.00} into my account. The funds were immediately placed on full hold with no warning until the XXXX of XXXX. On the XXXX of XXXX, my account was frozen without warning or explanation. I have no gone almost a full month without having access to money I was expecting and have available to me. I have had to cancel multiple financial obligations and am literally in a position where I am currently starving, though I have several XXXX dollars available. Chase will provide zero explanation or date when I will actually receive my funds.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I hereby request the blocking and deletion of these accounts. It is important to note that this request is not made in error and is not founded on any material misrepresentation concerning the need to block these transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against the credit bureaus i disputed incorrect information on credit reports i sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and i have yet to recieve a response period. I am filing a complaint the following account XXXX XXXX a creditor is reporting incorrector open of this account ex open XX/XX/XXXX but experian and XXXX reporting open dates of XX/XX/XXXX the date of last activity reporting experian XX/XX/XXXX and XXXX XX/XX/XXXX how is it possible for this account to be open after the lease date also how is this reporting two different dates of last activity this account has been reaged and also is not reporting any payment on my credit report I also attached a lease agreement and proof of last payment.according to my credit report how can experian report the open date and last activity as the same. 
XXXX XXXX is reporting incorrect open dates three differents of last activites all across the bureas how can they be incompliance with the FCA when they wont correct or delete inaccurate information on my credit report, i have attached lease agreement credit report proof of payment ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX  XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; U S DEPT OF EDXXXX XXXX ; US DEPT OF ED/XXXX XXXX ; XXXX XXXX ; US XXXX XXXX XXXX XXXX ; U S DEPT OF EDXXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ;