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

I have thoroughly reviewed the Consumer Credit Report that I obtained from your Experian, and I have identified several items that are factually incorrect and detrimental to my creditworthiness. 
These inaccuracies have caused severe financial harm and have negatively impacted. 
my ability to secure loans and credit on fair terms. 

See attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX  - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX  - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Unauthorized inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

BSI Financial Services has damaged my credit due to a mistake they made and admit to on a recorded telephone conversation with one of their managers. I have asked them to correct the mistake and withdrawal the adverse credit delinquency reports they have file for four consecutive months. Extremely poor service, no one calls you back when they say they will. I'm concerned that this mistake made by BSI will negatively impact my credit score for years.
Product: Credit reporting or other personal consumer reports

UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I noticed a collection account on my credit and that it indicated the account was opened in XXXX of XXXX. It indicated the collection was for a balance due for car insurance via XXXX XXXX. I have been insured by XXXX insurance company since XXXX when I moved to XXXX My previous insurance company was XXXX and before that I had XXXX. Therefore it is impossible for me to have opened any account with the general in XXXX. It has been well over 5+ years since I had insurance via the XXXX and when I canceled the insurance and went with a different carrier, there was no balance. I requested all credit reporting agencies remove this and that request was denied. This account balance, opened date, all incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$8.00} XXXX XXXX Balance : {$35.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXXXXXX Balance : {$2200.00}
Product: Vehicle loan or lease

I purchased o vehicle from XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. I used my XXXX XXXX XXXX as a trade in for the new vehicle. They offered me {$60000.00} for my trade in and told me I needed {$15000.00} as a down payment. They told me once I bring in the title from my trade. They will give me the remaining balance of {$45000.00}. I brung my title in XXXX week later and they refuse to give me my money. I told them to give me my trade in back and they can take the Nee car back. I wanted out the deal and they refuse that as well. They just keeping the money and havent even put it towards my new car at least.
Product: Student loan

On XX/XX/year>, Mohela sent mailed communications to a lender ( myself ) that their 4 direct subsidized and 4 unsubsidized federal loans have been placed on an administrative forbearance due to the federal court injunction blocking the Saving on a Valuable Education ( SAVE ) plan ( i.e., a forced forbearance out of the lender 's control ). The lender ( myself ) had been put on the SAVE plan previously and therefore this is NOT a processing forbearance. The communications clearly stated that no interest would accrue during this ( forced administrative ) forbearance. 

On XX/XX/year>, the lender ( myself ) received a mailed communication from Mohela with a reminder that interest will continue to accrue on all loans under forbearance. However, the communication showed all 8 loans with a 0 % interest rate, and yet also listed an unpaid interest balance totaling {$68.00} for all 8 loans. 

During this entire period between the first communication on XX/XX/year> and up to the present day of XX/XX/year>, the Mohela website loan details show the interest rate of all 8 loans to be at 0 % interest rate. 

When the lender attempted to call Mohela on XX/XX/year> between XXXX XXXX  XXXX and XXXX XXXX  XXXX to obtain clarification on whether or not their loan is indeed accruing interest despite the prior communications, Mohela deflected and disconnected all call attempts.
Product: Mortgage

In XXXX I was denied support, and was able to have family help me become current. But still didnt help my situation. I call XXXX at least once a week to get an update on my loss mitigation application. They have zero information about my application, or how long the process can take. All they say is that it could take up to XXXX business days. Today they told me that they are hiring new staff and some people left at they are back logged XXXX months. When I asked to speak to my direct point of contact she said the answer is still the same, I dont know why you call every day. They have no empathy for their customers and they dont care about their customers- they arent trying to help them. Previously, when I was late and I hadnt submitted this application they NEVER called. Never offered a remediation, never offered support, never tried to help- they sent a foreclosure notice.
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit card or prepaid card

Citi bank claims I rejected thier rates skyrocketing in XXXX so they decided to close my account with out my authorization and stop my purchases during XXXX and XXXX XXXX  for no reason because I asked them to give me a reprensentative in th united state instead of a untrained XXXX agent on my telephone line that could not answer of why account was skyrocketing .This is a sabatoge of my account that i had since 2009 and racial profiling of my account due to my XXXX american diversity. FOR THEM TO LYE ON THIS PHONE XXXX TIMES AS THE REAL CAUSE OF THIS CASE COMES AS PLAIN AS SIMPLE MY DIVERSITY AS ALSO WITH THE COMMAND FOR CITI TO PUT MY ACCOUNT BACK LIKE I HAD SINCE 2009! THIS IS FULL RACIAL EVENT ON THIS CASE AS I CALLED THEM TODAY AS I AM WRITING TO CORRECT A WRONG WITH CITI ASSOCIATES CANCELLING MY ACCOUNT ON PURE A RACIAL DISCRIMINATION EVENT! my account should not been cancelled for defending my right to ask why was citi raising thier rates so high with the same credit card i had for since 2009 and could not give me a answer! I balieve the true issue was my race and the hard to answers the questions i had for thedm on line with XXXX different customer service agents that really could not answer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the Experian and XXXX credit bureaus that I was a victim of Identity Theft. It seems the Experian and XXXX credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX in XX/XX/2019 when I was unemployed and let them know I needed help with my payments until I got back on my feet. They said they would take a lower payment but did not mention it would result in a late reporting. It was my understanding at the time that I was entering into a hardship program, but the payments they were taking did not help and actually hurt my credit. Their deceptive collection practices hurt consumers. 

XXXX then enrolled me in a balance liquidation program in XXXX or XX/XX/2019 to bring the account current, and the representative on the phone set up automatic withdrawals to make my monthly payments and. They said there would be a 3 month trial period, and the account would be brought current. I assumed since I had started making full payments again, these would be reported as on time, and I would only have XXXX late as a result of the XX/XX/2019 deception. 

However, they continued reporting my account late during the trial period from XX/XX/2019 through XX/XX/2019 despite sending me a letter saying I successfully completed the trial period, and that my payments were on time. 

I believe this may have been as a result of the dates that were set up by the phone representative being past the due date for the given month. With that said, this is an error on the banks part as I had made payments as agreed. 


This has substantially damaged my credit more than it should have, and the information is incorrect as I paid according to the agreed terms. There should not have been any lates beyond XXXX 2019. The attached letters say I made on-time payments through XXXX.
Product: Debt collection

I got a recorded message on XX/XX/2018 from ( XXXX ) XXXX at XXXX XXXX, PT. The content of the message is as follows : " Message from we have an important message from XXXX XXXX XXXX this is a call from a debt collector. Please call XXXX again that number is XXXX. This message will now repeat in XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concern and dissatisfaction with the recent investigation conducted by your bureau regarding a disputed late payment on my account with XXXXXXXX XXXX, account number ending in XXXX on XX/XX/year> I submitted a request for investigation, clearly stating that I have never been late on any payments for this account. I provided you with the necessary details, including my expectation that your agency would conduct a thorough investigation and provide either proof of the alleged late payment or update the record to reflect that all payments were made on time. 
To my dismay, I was informed that your investigation concluded the late payment was " verified '' without any proof or supporting documentation provided to me. This response is both unsatisfactory and concerning, as it suggests a lack of due diligence in your investigation process. 
Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information reported is accurate and to conduct a reasonable investigation when a consumer disputes the information. The failure to provide proof of the late payment or to correct the error is a clear violation of these responsibilities. 
I demand that this matter be re-investigated with proper attention to detail, including : 1. Providing documented proof of the alleged late payment, such as account statements or communication from the creditor.

2. Correcting the inaccurate information on my credit report if proof can not be provided, reflecting that all payments were made on time.

3. Providing a detailed explanation of the investigation process that was followed and the specific steps taken to verify the information.

Please consider this letter a formal complaint. I expect a response within 15 days, as stipulated under the FCRA. If the matter is not resolved to my satisfaction, I will have no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your prompt attention to this matter. I look forward to your swift and accurate resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires removed.
Product: Credit reporting

Greetings, TransUnion is falsely reporting and suppyling inaccurate data to creditors and vendors regarding my credit and financial information. 
TransUnion seems to has multiple accounts and unable to locate my files. I 've been unable to obtain my credit report online nor by mail. Credit Bureau requested additional information which it was supplied by several means ( mail/fax ) twice. Information submitted is as follow : copies of my ID, social security card, pay stub, and void personal check. In addition, I have filled out the Form XXXX - Disclosure Request. 
Even with the information submitted, TransUnion is still unable to locate my file. I have follow up with Consumer Relations ( XXXX ) several times and answers continue to vague and elusive. 

The impression I received every time I call is that, they have some of my information but its floating around in their system and unable to accurately identify it. 

I appreciated any help you could provide me, Yours truly, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back onXX/XX/XXXXI mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to information in Body. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX  XXXX  @ XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : XXXX 2. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : XXXX 3. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$290.00} 4. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : XXXX 5. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1200.00} Inquiries Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : XX/XX/XXXX Account name : XXXX Account opened : XX/XX/XXXX Account name : XXXX Account opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I revoked all past and future consent for XXXX to report this account on my consumer report and they are still reporting the account despite my dispute to Opt out of reporting. Same goes for Transunion and XXXX.
Product: Debt collection

I have was contacted by MCOA back in XX/XX/XXXX. stating that my Driver Licenses would be suspended for tickets that was on a car that I co-signed for. I then told them that I did n't have the car and asked if the that has the car been notified yet.They told me no they had the right to go after me and not him and that they did n't suspend his. Also, I then told them that he had filed bankruptcy on XX/XX/XXXX and gave them the case number and told them they are trying to get double payment, they told me oh well and that I would have to pay as well because it was my name. On XX/XX/XXXX @ XXXX XXXX I spoke with XXXX XXXX and she stated that even thought it was filed that it was now out of her hands and that it was a part of the bankruptcy department and that she no longer had anything to do with this. I spoke with the bankruptcy department and they said that yes they have the case information but I had to speak with his lawyer to have them get my licenses back. When I explained to them that I have no contact with him they said oh well they would keep them. I also stated that I was on my credit report as well, she said oh well. ( they have removed the tickets )
Product: Credit reporting or other personal consumer reports

I requested for help from XXXX XXXX to please fix my credit account of mid reporting on XX/XX/XXXX through their online system and it was ignored. I then contacted them by phone on XX/XX/XXXX and the representative said they dont report updates often to the bureaus and thats why my car payments are missing and thats why the credit card I had with them that I paid off in full has disappeared. This information has been edited from my credit accounts for well over 3 months and they have not fixed this, though I have requested. I advised her that they must report the truth if it is showing on my profile and she hung up. Additionally, XXXX XXXX XXXX XXXX took money from my account that I did not authorize, even after placing a note on my account stating that they are NOT attempting to collect any debt from me. They have continuously reported my account as never paid, and have deleted the good history of payments from the car loan and the credit card. While over the phone, the representative hung up the phone on my face and it caused dm to call back twice. I have still not received the information I requested which was a list of all successful payments I made to XXXX XXXX XXXX XXXX. And all payments they took without my knowledge and permission. XXXX XXXX refuses to fix this issue and continues to reprint false information on my credit profile. Intentionally causing harm, distress, and further denials of housing. I have been discriminated against and they are refusing to follow the laws and guidelines of the cfpb, gov, and fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has a unknown credit report by XXXX XXXX  whis is not opened by me and a wrong address