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

Back between XXXX and XX/XX/2015, I requested for a deferment on my student loans that had gone out of deferment. I was informed that all payments are deferred till the following year. Because I was told they were deferred, I never checked for any correspondence from Nelnet. In XX/XX/2015, I noticed on my credit report that Nelnet reported my account being late for more than 3 months. Because I was told by their agent that my loan was adjusted over the phone till the following year there was no obligation to make any payments and their reporting is inaccurate. I have disputed this several times and they have not done a proper investigation and accept responsibility because it was one of their agents that informed me that my payments were deferred. I have asked for the phone conversation on that day and they couldn't produce it. This has a negative impact on my credit and I want them to do proper investigation on what happened on that day in XX/XX/2015 when i requested for the deferment. I have a 100 % track record of never being late with any of my creditors. This is the only account that has ever been late and that's out of the norm. This is a clear mistake on their end and they are refusing to take responsibility of their own mistake. I have filed a dispute with XXXX  in the past and they have not done a proper investigation into this and still this has been on my account for almost 4 years now and I am XXXX percent sure they are wrong on this one and my track record shows it and you can see i paid all my lenders 100 % on time for the past 14 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!
Product: Credit reporting or other personal consumer reports

To be clear, I have already provided ample evidence to substantiate my dispute. However, it appears that XXXX  has failed to take the necessary steps to either correct or remove the disputed items from my credit file. This ongoing inaction not only violates the FCRAs requirements but has led to significant harm to my creditworthiness and potential financial opportunities.

In light of these concerns, I respectfully request that XXXX  immediately reinvestigate the disputed accounts and take corrective action in accordance with the FCRA. I ask that you contact the furnishers involved and ensure that they provide accurate and verifiable information. Furthermore, I request a detailed response outlining the results of the reinvestigation, including any changes made to my credit file and documentation regarding the furnishers verification of the disputed accounts.

Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days of receiving this request. Failure to do so may result in further legal action to address this ongoing violation.

I expect to receive written confirmation of the results of this investigation at the earliest opportunity.

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

My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute and Documentation Request for XXXX  Account No. Ending in XXXX Dear Sir/Madam, I am reaching out to urgently request the Consumer Financial Protection Bureaus intervention regarding discrepancies and unresolved issues with my XXXX  secured credit account, ending in XXXX. This account was initiated on XX/XX/XXXX, with a {$200.00} deposit aimed at credit rebuilding. 

Key Concerns : XXXX. Unexplained Interest and Balance Discrepancies : Post deposit, I noted accruing interest, leading to an unexpected balance that contradicted my credit rebuilding intent. 
XXXX Credit Report Inconsistency : My TransUnion report dated XX/XX/XXXX, indicates a {$310.00} debt, conflicting with my XX/XX/XXXX, statement showing XXXX XXXXbelow my initial deposit. 
XXXX. Account Charge-Off : Despite unclear communication, the account was closed and charged-off at {$310.00} around XX/XX/XXXX. 

Requests for CFPB Action : - Investigate and clarify the basis for the {$310.00} charge-off and report discrepancy.

- Detail how my {$200.00} deposit was utilized against the accounts balance.

- Provide insights into the interest charges leading to the current reported balance.

This situation is critical as I am endeavoring to rectify my credit report for imminent financial activities. I have attempted to resolve these issues directly with XXXX but have not received satisfactory responses or documentation.

Attached are relevant documents, including my credit report updates and the final account statement. I respectfully request CFPBs assistance in rectifying these discrepancies within the XXXX-day response period mandated by the FCRA and FCBA.

Your immediate attention to this matter will be greatly appreciated as I seek to ensure the integrity of my credit information.
Product: Payday loan, title loan, personal loan, or advance loan

I applied at Lending Tree on line for a loan. I was contacted by phone saying I had gotten approved so they said my credit score was low. They sent {$830.00} to my account for me to make two separate payments to report to the credit bureau to make my score rise so the loan process wouldnt be a problem. I did that but I told them I didnt feel like I should be doing all these unnecessary gestures for a loan so I told them I didnt want the loan anymore. I woke up with a negative- {$800.00} balance but they got their money back. They said even though I paid the money back because I didnt want the loan thats why they did that with my account. They called back and said if I sent them {$300.00} that would fix the problem even though I owe them nothing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX EQUIFAX, EDUCATIONAL SYSTEMS XXXX EQUIFAX, XXXX XXXX XXXX EQUIFAX, ALLY FINANCIAL XXXX EQUIFAX, XXXX XXXX XXXX EQUIFAX, XXXX & AMP ; T INDIRECT CG XXXX EQUIFAX, XXXX PROVING XXXX XXXX EQUIFAX, XXXX XXXX VIA DEALER XXXX EQUIFAX, XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX EQUIFAX, XXXX XXXX EQUIFAX,
Product: Debt collection

I am a XXXX XXXX customer. 

This is regarding an early termination fee demand of {$200.00} by the Attorney of XXXX XXXX for de-activating and/or early termination of service from XXXX XXXX. 

On XXXX XXXX, XXXX, I bought an XXXX phone from XXXX XXXX, XXXX XXXX, XXXX, VA XXXX for {$49.00} ( Carrier : XXXX XXXX ). 

However, on XXXX XXXX, XXXX, I went out the country and de-activated the phone and paid the balance amount in full to XXXX. When I returned from abroad, I again re-opened my XXXX XXXX account ( Account No : XXXX ). 

When I bought the devicep/phone originally, I asked the sales person to clearly state and write the cancellation/termination policy and fees because consumers normally do not read several pages of agreements in fine/small prints. 

He told me that I have a no-contract service ( XXXX ) with XXXX and that I can terminate the service at any time by paying the full amount of the device/phone. 

On XXXX XXXX, XXXX, I received a letter from Aldous & Associates , PLLC, XXXX XXXX, XXXX, UT XXXX, asking me to pay {$200.00} for cancellation of my service with XXXX. 

I did not sign this agreement that I would pay {$200.00} to XXXX XXXX for early cancellation of service from XXXX. The sales person never told me that I have to pay this amount. My daughter, who was with me, is the witness. 

If I knew there was an early termination fee of {$200.00} due to XXXX XXXX, I would not have bought the phone and enrolled in XXXX 's XXXX program, which is a " no-contract '' service by which the customers could terminate/cancel their service at any time. 

Since I did not sign a contract to pay {$200.00}, and since the sales person of XXXX XXXX did not disclose about the early penalty of {$200.00} to XXXX XXXX, I do not owe any money to XXXX XXXX. 

XXXX XXXX must be instructed to train its employees to clearly instruct the customers that they would have to pay {$200.00} early termination fee to XXXX XXXX for early termination of service from XXXX, even if they have a no-contract ( XXXX ) service with XXXX, so that XXXX would not defraud the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX  Balance : XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX  Balance : {$8.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Original Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX  Original Balance : {$3000.00} XXXX  XXXX XXXX  Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX  Balance : {$290.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX ignores all phone calls period.
Product: Credit card

Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : TD BANK XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete the following Incorrect Addresses and Employers listed below. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX SPC XXXX XXXX CA XXXX CURRENT EQUIFAX - XXXX XXXX XXXX SPC XXXX XXXX CA XXXX PREVIOUS EQUIFAX - XXXX XXXX  XXXX EMPLOYER UNKNOWN?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report Number XXXX, Report XXXX
Product: Credit card or prepaid card

Company named " XXXX '' sent me an unsolicited Credit Card under my former married name. It was not cardstock, but regular plastic with chip, name, numbers and phone call sticker to activate. I do not want any unsolicited credit cards and especially do not want someone to take my mail and activate a credit card in my name.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As a victim of fraudulent activity related to an opened car loan that I did not authorize, I am very concerned about the impact this has had on my financial wellbeing. According to the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I have the right to dispute any fraudulent information on my credit report and seek restitution for any damages caused by the fraud. 

Under FCRA section 1681g, I am entitled to receive a copy of my credit report from all three major credit bureaus and review it for accuracy. If I find any inaccuracies, I have the right to dispute them with the credit bureau and the creditor that provided the information. Additionally, under FCRA section 1681e, creditors and credit bureaus have a duty to ensure that the information they report is accurate and up-to-date. In this case, the car loan that was fraudulently opened in my name should not have been reported to the credit bureaus without my consent, and any negative impacts to my credit score resulting from this fraudulent activity should be rectified.

Furthermore, under TILA section 1641, if the creditor sells or assigns the car loan to another party, they are required to notify me in writing of the transfer within 30 days. If the creditor fails to provide this notification, I have the right to rescind the loan for up to three years after the loan is made. Given that I did not authorize the opening of this car loan, it is unlikely that I received the required notification of transfer, which may give me further grounds to challenge the legitimacy of the loan. 

As a victim of fraud, I should not be held liable for any debts incurred without my knowledge or consent. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in any abusive, deceptive, or unfair practices in attempting to collect a debt. This includes attempting to collect a debt that is not owed or attempting to collect an inflated amount. If the car loan in question was fraudulently opened and I did not benefit from the proceeds of the loan, I should not be held responsible for repayment of the loan or any associated fees or interest. 

In light of these laws and protections, I urge the creditor and any collection agencies involved in this matter to take swift action to rectify this situation. I should have a provisional credit added to my account for the full amount of the fraudulent loan, and any negative impacts to my credit score resulting from this fraudulent activity should be removed. I also request that the creditor and any collection agencies cease all attempts to collect on this debt until the matter is resolved and I am provided with sufficient evidence that the debt is valid and owed by me. 

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution to this issue.
Product: Credit reporting or other personal consumer reports

A complaint was filed XX/XX/2023 against XXXX Collections as they are stating they have some sort of contract between themselves and XXXX XXXX. However, I myself am no party to any contract with XXXX XXXX and further state I have no relationship, contract, agreement, or marriage with XXXX XXXX. I do not recognize any enforceable contract by this party. They expressed that XXXX XXXX  XXXX XXXX signed the contract but provide no evidence of permission or authorization from the surety consenting to any arrangement. 

XXXX. XXXX XXXX does not possess any written consent or permission to use any title concerning XXXX XXXX. There is no evidence to the contrary. 

XXXX. XXXX XXXX further does not possess any authority that would authorize them to attach or furnish anything related to XXXX XXXX without the consent of the surety. There is no evidence to the contrary. 

XXXX. XXXX collections brought up a signature however any signature in their possession is not allowed to be in hands that are not clean, therefore any signature in Grimm Collection or Comfort Dentals possession alleged to belong to XXXX XXXX is not their property and is now RESCINDED. 

XXXX. Due to potential injury and prevention of irreparable harm, the surety is now XXXX for XXXX XXXX communicating to the debtor without his consent. 

XXXX. XXXX Collections, XXXX XXXX does not have permission or consent to furnish any information with any credit reporting agency and for damn sure DO NOT HAVE MY WRITTEN CONSENT. There is no evidence to the contrary. 

XXXX. Any and all consent to XXXX, Equifax, XXXX, XXXX collections, and XXXX XXXX whether it be verbal, non-verbal, written or otherwise is now revoked. 

XXXX. Any and all granting of security interest to XXXX XXXX or XXXX Collections is now rescinded, revoked, null and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help dealing with these credit reporting companies, reporting inaccurate information on my credit report, I do not have the resources necessary to send to all credit reporting agencies to change or stop reporting false information, and because of this, I am unable to get my basic needs met, as an XXXX XXXX, what can I do?? - I need them to stop reporting bad addresses and corporations.
Product: Checking or savings account

I received a check book and a book from Td bank stating Ive opened an account and also open a checking account. I did not i dont bank with TD bank at all i dont know how has my information