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

I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( TransUnion, XXXX and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}
Product: Credit card

I have numerous emails from affirm from XXXX XXXX stating I owe them & XXXX from XXXX XXXX. 
I do not have a visa XXXX in my XXXX XXXX profile, nor do i have this account. 
I believe Affirm is doing some kind of fraudulent activity. 
They are asking for my banking information, driver 's license, passport and social security number, which i will not give them. 
Even if i wanted to give it to them my account is frozen, I believe its fraud because on XX/XX/XXXX, they took unauthorized funds of {$10000.00} which i knew nothing about to open a savings account with affirm. 

I think the whole company is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 an 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports shows that I am 30+ plus days late on a credit card with XXXX XXXX XXXX XXXX although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
<P/>
There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the final complaint that I am going to issue before going to FBI/ oh attorney general 's office about this company XXXX XXXX who keeps committing a crime against me by refusing to update XXXX XXXX XXXX XXXX who was the Creditors info the credit union has sent to XXXX XXXX a total of 3 TIMES! XXXX stress that XXXX XXXX continues to ignore XXXX 's request in WRITTING to mark item PAID in full that is reflecting bad negative item on my credit report! 
I WILL NOT STAND FOR THIS. IT IS COMING TO CIVIL litigation SO BE IT! I NEED THIS TO STOP! THIS IS TOTAL DISCRIMINATION AGAINST me! XXXX XXXX once again for the third 3rd time!!!! is refusing to HONOR XXXX XXXX XXXX request in writing. XXXX has informed me mass times by phone and via email ( evidence attached ) that they have contact XXXX XXXX XXXX XXXX to let them know thousands of time to make a issue that was solved between the credit union and I PAID request to update my file mass times which is hurting me from opening bank accounts!. I have no idea what XXXX XXXX   issue with me is ... but it needs to stop asap! 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- there is another XXXX company called Certegy Payment solutions XXXX. XXXX XXXX XXXX Florida XXXX? 
that is committing FRAUD in my name when in fact they keep insisting that I wrote a check to them to pay XXXX XXXX which I never wrote a check to this company XXXX initially? I always pay XXXX by debit card? I never wrote a check whatsoever to XXXX. these people keep saying that I wrote a check that did not clear with XXXX which is not on my bank statement at all yet keeps asking yet harassing my bank to give them info they do not deserve from my bank called XXXX. for the 3rd time again for these XXXX ... I have sent the necessary info as proof to this company called Certegy showing them I did not write a check to XXXX there is nothing on my bank statement to verify a check even being wrote evidence attached these XXXX   XXXX contact the upper XXXX in my complaint, I am constant complaining about XXXX XXXX ... oh yes ... to post on my report that I did not pay the check of course XXXX XXXX XXXX   post his unlawful mess from Certegy stating I did not pay the check to XXXX as well I sends current info of my back statement to both XXXX XXXX and of course once again they completely ignore the evidence and wants to ruin my credit saying different. 
I XXXX XXXX XXXX has included evidence of the checks and check sequences that I have and the bank statement for the month of XX/XX/2019 that Certegy claims I wrote the check in the month of XX/XX/2019 to XXXX which shows no activity! 

if I wrote any check you XXXX well better believe that a bank would have record of the check and the check number and date check was written! OOOK! 

PLEASE GET BOTH XXXX OFF OF MY BACK NOW BY MAKING THEM ACCEPT LEGAL DOCUMENTS THAT I AS WELL AS OTHER ORGANIZATIONS/COMPANIES PRESENT TO THEM AND LEAVE ME ALONE! 

I DEMAND ALL UPDATES TO BE LISTED AND SENT TO ME AS UPDATED info ASAP!
Product: Checking or savings account

Dispute for my tax money that Chime will not disperse to me after shutting down my account. 

I, XXXX XXXX had my XXXX tax return sent to my Chime account. I received a notice on XX/XX/XXXX that my taxes in the amount of {$4900.00} were going to be in my account and on XX/XX/XXXX, My chime accounts were closed. Chime sent me a check for my remaining balance that was in my account, {$4600.00} I have tried to cash this check at the XXXX XXXX XXXXXXXX because it was the name of the bank on the check. They would not cash the check saying it can not be verified. I went to XXXX other places no one could verify the check I uploaded the check onto a friend account using mobile upload on XX/XX/XXXX, Chime denied the check being cashed. I tried to upload the check onto my mothers account XX/XX/XXXX after we read the terms and conditions again, I signed the check over to my mother was sent a message saying the check can not be cashed. I have requested that my account be open so I can receive my cash off from my account. Chime denied me. I have done everything that I had read on the Chime website to get my money chime has denied me. I am now immediately after sending this email to Chime going to be contact the the XXXX XXXX XXXX, XXXX Police Department to file a complaint, XXXX XXXX XXXX  the Consumers Financial Protection Bureau and the IRS. I would like someone to contact me about receiving my money. It was my tax return and they are putting me in a financial hardship by keeping my money away. This was not fraudulent. This was a federal income tax return
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 XXXX : 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. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX 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 one 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 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 were eliminated and not verified by others bureaus I don't 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 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: Credit reporting or other personal consumer reports

On XX/XX/year> I sent all 3 bureaus a letter requesting validation on the stated accounts but never received a reply from them. 

PLEASE REMOVE ALL ADDRESS, NAMES, AND SOCIAL SECURITY NUMBERS THAT DOES NOT MATCH MY ID AND SOCIAL SECURITY CARD Please REMOVE ALL NOTICES from my Credit Report, as they are ALL Incorrect DO NOT put any FRAUD ALERTS on my Credit Report PLEASE REMOVE ALL OF THE LISTED INQUIRIES FROM MY CREDIT FILE RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 

ACCOUNT ACCOUNT # XXXXACCOUNT BALANCE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

After i was unable to pay because of job loss and XXXX they sent in XXXX hard inquiries on my credit without my permission which resulted in my credit score and report being lowered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times with both the mortgage company and credit company ( Experian, XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This mortgage has been dismissed and it's still showing on my consumer file as open and reporting as 120 days late or more. They are reporting inaccuracies on my file
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require updating and correction. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Files several complaints with this company Fidelity National Title sad they dont wan na admit there own error that I had to fix out of my own pocket as of today XXXX XXXX XXXX I have not received any payment form the company for reembusrment and athey will not work with me. I will be working with you the CFPB and going through Court and Corporate to get the rest of my money. The bill will just keep getting higher becasue they will be paying my leagal fees and I will have to supena the supervisors at XXXX XXXX and other companys to fly in and testify that they all agree that Fidelitey Title dropped the ball. I already subbmitted the emails from them stateing it was there error. They are surely not makeing a good representation for themselve very p [ oor work ethic and basically stealing money and lying to the costomers.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2024 To whom it may concern, On day XX/XX/XXXX, I looked at my report. I sent a letter to Equifax on day XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and here is my tracking number : XXXX On day XXXX  XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
And according to 15 USC 1681s-2 this os suppose to happen ( 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and i have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Please check the information concerning the XXXX data breach below in attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the CRA and the Collection Agency for Validation of this Account that is being reported to the CRA on my credit report. Neither the credit bureau nor the Debt collection agency has made any attempt to send the legal Account validation or any correspondence regarding this account it has been over 30+ days since I have reached out to both and neither have sent anything responding with my contract in writing with the Debt collector. If I can not get any feedback by posting this complaint with the CRA or the debt collection agency I will be seeking legal action to have this matter taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent the following inquires being furnished on my Chex  system report. See attached.
Product: Debt collection

Sent a letter last month requesting a formal letter stating what this debt was and who were they and I was told by them they didn't need to reply with written letter because original creditor took debt collection back. I called XX/XX/21 and they refused to give me any information on who the original creditor is and that it was my " problem '' to find that out. They keep reporting it t ok XXXX  although they confirmed through phone call its NOT their debt.
Product: Student loan

I went to XXXX XXXX from XXXX XXXX XXXX by XX/XX/XXXX i was employed full time at a non profit company. apparently partial amount of my loans went into repayment in XX/XX/XXXX and the rest in XX/XX/XXXX. i went on XXXX XXXX XX/XX/XXXX for which i continued to make payments regardless. around that time ( XXXX - XX/XX/XXXX ) i applied to be put on the IDR repayment plan and WITHOUT my consent/knowledge nelnet put my account in forbearance although i made normal payment that month and at the normal amount. 

in XX/XX/XXXX once again nelnet put me into forbearance WITHOUT my consent/  knowledge when i enrolled in their autodebit and they still received their normal payment at the due date. 

I transferred into a public service loan forgiveness program through XXXX in XX/XX/XXXX and my loans. After contacting nelnet I found out that WITHOUT asking/knowledge they put my account once again in forbearance when i continued to make normal payments. 

then there are a period of approximately 8 months where they say they have no record of payment BUT at the same time say there was no forbearance or deferment but refuse to answer my question as to why there would be no payments and the lack of negative reports/delinquency notes on my account. 

ALL of these issues have caused me to loose out on over 12 qualifying payments for my loan forgiveness.
Product: Student loan

I wasn't in school at this time In XXXX and I just noticed that I never Borrowed XXXX for XXXX University to me this looks like fraud I just noticed this now. 

Total Borrowed : {$27000.00} Outstanding Principal as of XX/XX/XXXX : {$34000.00} Outstanding Interest as of XX/XX/XXXX : {$1800.00} Interest Rate : 7.00 % Cumulative Payment Amount : {$390.00} Date Entered Repayment : XX/XX/XXXX Most Recent Payment Effective Date : XX/XX/XXXX Loan Period Begin Date : Loan Period End Date : School : SCHOOL CODE FOR CONSOLIDATION LOANS Enrollment Status : GRADUATED as of XX/XX/XXXX Loan Disbursement Date Disbursement Amount XX/XX/XXXX {$1.00} XX/XX/XXXX {$27000.00} Loan Status Status Effective Date IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX DEFERRED XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX FORBEARANCE XX/XX/XXXX IN REPAYMENT XX/XX/XXXX Also devry is charging me for 2 classes that I withdrew from.Devry couldn't get it correct the first time with the paperwork of when I changed my major and they still had me in two classes of. 
ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/XXXX ECT-125-0 Electronic Systems II w/Lab Credit Hours : 4 Final Grade : W Posted : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because of hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX