23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello My Name Is XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. There are some inquiries on my report that was not authorize by me and that reporting that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating. Heres the inquiry names and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA the term investigate consumer report means a consumer 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 may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law.

Also every piece of information on this account is not reporting 100 % Accurate.

According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system This my third time submitting a complaint yall refuses to move this account after I sent paperwork showing that the account is not mine Im asking its deleted from my consumer report Im asking they reinvestigate because obviously they not taking me serious please remove inquiries off my account thanks
Product: Bank account or service

I fell for a scam on the Internet. I was supposed to be a collection agent for a XXXX manufacturer. They sent me a check and advised me to deposit in BB & T bank. I did. After ten days the bank assured me that the check had cleared to bank and not to worry about it. 
I transferred {$28000.00} via wire transferred to a third party. Now the bank is holding me responsible for a mistake that they made. They put a hold on my wife 's account that had {$3500.00} in it. 
I 'm XXXX years old and have no other income than social security. They had no legal right to hold me responsible or to put a hold on other family accounts. I need to have my money released. Please take care of this matter ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has re aged an account they are reporting on my credit... .i have tried to challenge the 100 % accurate reporting between bureaus as required by law and each time they send a letter saying its validated ... ..i have attached proof of the re aging of this account... .there is no way that the bureaus have properly investigated this matter
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$21.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax on multiple accounts that they are reporting on my consumer report without my consent, or option to opt out of it. I know that a credit report is supposed to be fair and adequate and with the negative information that they are reporting it is all but fair and adequate. Equifax is in violations of my consumer rights. They have violated 15 usc 1681 I ( 7 ), 15 usc 1692 ( E ) false and misleading information, 1692 a ( 3 ) ( 5 ) ( 6 ) B ( 1 ). Equifax is also in violation of the privacy act of 1974. Most definitely in violation of 18 usc 892-894.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i have found inquiries i dont recognize on my report and need them removedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Despite making phone calls, mailing off documentation, and submitting documentation via their online portal on XXXX separate occasions over the last XXXX days, Early Warning refuses to release or provide documentation on my personal credit profile/report. They do provide a convoluted system ; you have to register with a third party, with instructions provided over a XXXX, which expires after 30 days or XXXX logins. From there, you can submit various documentation to begin the request process. 

This is XXXX, confusing, and often fails to generate any response from the company.
Product: Student loan

I have been very ill, and on XXXX for many years and paid little attention to a private student loan I took out twelve years ago in California to return to school to complete my degree. For years, I did my best to make interest only payments but did not monitor my loan accounts until I recently applied for a XXXX Discharge and discovered several " impossible errors '' with Navient 's online financial records and data. After months of research I discovered that a serious error has been made in regards to a Private Student Loan I took out with Sallie Mae ( now serviced by Navient ) in the Spring/Summer of XXXX to attend XXXX XXXX XXXX in XXXX, California. Navient claims that I took out two seperate loans in the amount of {$4500.00} each but I think this is 100 % inaccurate since I attended the school only halftime both term and there is no way that Iapid {$9000.00} for three course. Navient has mailed me photocopies of what they claim to the original promissory note, however I am almost certain that the note has been altered, and was either lost and re-typed, or who knows? Impossible to believe but I can prove without any doubt that they have made other " impossible errors '' with my accounts. The promissory note has my phone number lister incorrectly two times out three times I was required to list it, and is completely blank in the section ( Section D ) that the school and the school 's financial aid were required by law to fill out. Yet there are no signatures, no names no official stamps, no loan disbursement dates on the note. The school section is 100 % BLANK. Unfortunately too many years have passed for me to check my own personal bank records to verify deposits I made during that time, so I require my entire student file from XXXX XXXX XXXX, along with a Student Ledger, and any copies of anything I may have signed 12 years ago to properly review, research and audit everything anything connected to my return to XXXX XXXX XXXX in XXXX, and the loans I am being told that I owe. HOWEVER ... despite multiple efforts by both myself and a Navient Customer Advocate to reach the school, multiple messages since XXXX of XXXX, multiple e-mails to the registrar, accounting, and the Director of Admissions ( a kind lady who knew me back in XXXX XXXX, NO ONE FROM XXXX XXXX XXXX has returned a single e-mail or phone call. I need help to reach someone at the school, anyone, who can help me get a copy of my student file and any/all loan information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection of XXXX Balance : {$370.00} Opened : XX/XX/2018 2018
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. **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Incomplete and Incorrect Information in My Transunion Credit Report Upon reviewing my Transunion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. 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 following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, 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 the results of the reinvestigation; and ( ii ) 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 1681s-2 they are suppose to nor 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Six credit inquiries that need to be deleted. This is not a credit bureau. And they are reporting without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, amount {$1600.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX XXXX opened XX/XX/XXXX, amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XX/XX/XXXX ; amount {$45000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXXXXXX XXXX  opened XXXX XXXX, XXXX ; amount {$2000.00} requested a removal but the company did not comply. 
XXXX. XXXX XXXX opened XXXX XXXX, XXXX ; amount {$4200.00} requested a removal but the company did not comply. 
XXXX. XXXX opened XX/XX/XXXX ; amount {$2500.00} requested a removal but the company did not comply. 

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

I have asked the credit bureaus several times to review and verify the late payments on both accounts of Dept of ED / XXXX account number XXXX. They have came back as verified and accurate. I have researched and found that the late payments are not accurate and need to be deleted. In accordance with Fair Credit Reporting Act Dept of Ed / XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states that I have the right to privacy. 15 USC 1681 Section 604 A states that a consumer reporting agency can not furnish account information without my written instruction. And all information should be reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false information on my credit report and would like them removed because it is affecting my life traumatically! I did not authorize nor consent any of these false actions affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights by VERIFIYING INACCURATE INFORMATION ( see attached document ). 

US Bankruptcy Court is missing the full docket number ( INCOMPLETE ) ; it is reporting as XXXX ( see attached filing ). 
US Bankruptcy Court is missing the state of the bankruptcy ( INCOMPLETE ). 

XXXX is reporting 'actual payment amount ' as {$0.00} ( INCORRECT ). 
XXXX is reporting with 'terms of duration ' is blank ( INCOMPLETE ).
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.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

These late payments are inconsistent with my usual payment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 of my credit cards are not being shown in my XXXX and TransUnion Credit reports. However they are being shown in XXXX report. 

When enquired with the credit card companies, they informed me that the credit cards are being reported. 

When enquired with experian and transunion they are saying they are not seeing the same. 

This might be because of names mismatch b/w the credit cards and what is in the report for experian and transunion. 

In XXXX report, however I see the both the names in listed names. Hence see the cards in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report erroneous inquiries information on my credit report after I have sent them verifiable proof ( via certified mail XX/XX/18 and XX/XX/18 ) that the inquiries were not made by me. I have sent them several letters via certified mail to prove that the inquiries were mine. I have also sent them documentation proving that I was the victim of identity theft ... all to no avail.
Product: Credit reporting or other personal consumer reports

This is to lodge a formal complaint regarding the persistent errors in my credit reports across all three major credit bureaus ( XXXX, Equifax, and XXXX ). The inaccuracies remain unresolved despite multiple correspondences, including a copy of my driver 's license for verification. 

I request your assistance in ensuring that these errors are corrected promptly, as they are impacting my financial health. 

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

Attached you'll find the identity theft report I filled out with XXXX XXXX You will see the accounts listed on the report. 
XXXX XXXX {$850.00} opened in XX/XX/XXXX XXXXXXXX XXXX {$13000.00} opened in XX/XX/XXXX XXXX XXXX XXXX {$2700.00} opened in XX/XX/XXXX XXXX XXXXl {$13000.00} opened in XX/XX/XXXXXXXX XXXXXXXX {$580.00} opened in XX/XX/XXXX The credit bureaus are reporting inaccurate information that doesn't pertain to me under 15 USC 1681. I am in the process of buying a house and it's also a defamation to my character and livelihood
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately. 

XXXX XXXXXXXX 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'm submitting this complaint to notify the credit bureau AGAIN that I was a victim of identity theft. It appears that the credit agency is unconcerned by my desire to challenge unlawful things on my credit record. Because this is a clear breach of FCRA laws, I require that the items be removed from my file 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX CHILD SUPPORT XX/XX/2023 XXXX XXXX To Whom It May Concern : On XX/XX/2023, I received a copy of my credit history report from XXXX, Equifax, and XXXX XXXX. That Report contained incorrect information reported by you. 

I contacted the XXXX Equifax and XXXX XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : Child Support - I never had child support in my life. Me and my wife still live together and have our kids under the same roof. These child support payments are reporting inaccurately on all XXXX credit bureaus, ( XXXX, Equifax, and XXXX XXXX ). 

This negative mark is damaging to my credit. Please contract XXXX, Equifax and XXXX , immediately to remove this information from my credit file. 

Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information. 

Thank you for your time and assistance. 

Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXX {$1100.00} DEPTEDXXXXXXXX XXXX {$3000.00}
Product: Credit card or prepaid card

I have received multiple Citibank AAdvantage co-branded personal and business cards over the last two years to get multiple sign up bonuses. On XX/XX/2019 I received an e-mail from XXXX XXXX that my AAdvantage account had been suspended with them claiming it was due to misrepresentation. I have never misrepresented myself to XXXX XXXX or Citi bank. This suspension led to them seizing all of the miles in the account which totaled near 400,000 at the time of suspension. I previously reached out to Citi in CFPB complaint # XXXX in which they told me to speak with AAdvantage as it was solely their decision. Since then AAdvantage has responded and claimed the miles were taken because I violated a Citi rule. Citi needs to explain to XXXX XXXX that the miles I earned are legitimate and therefore this account suspension is unwarranted. As it stands it appears that either Citi or XXXX XXXX are uncomfortable with the amount of miles I earned using their promotions and do not want to honor their part of the contact.
Product: Student loan

I have submitted two requests in XX/XX/XXXXXXXX XXXX  to request a new IDR plan, the standard plan. Both times I have called I have been told the requests were received and I would receive an email response of the status. I have not received an email of the status. Both times I have called I have been told it is pending and that it is just taking time to process. The second time I called in XX/XX/XXXX- they placed me in Administrative forbearance. It is now XX/XX/XXXX and I still have not received an update as to my IDR plan request and interest is still accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a request to have late payment incorrectly posted by XXXX XXXX XXXX XX/XX/2018 removed.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding my recent credit report. I have received a 1099-C for the following accounts : - XXXX - XXXX - XXXX According to IRS guidelines XXXX an unpaid charge-off is considered income. Additionally, the Fair Credit Reporting Act ( FCRA ) stipulates that income can not be reported on a credit report. After reviewing my most recent credit report, I have found that these accounts are still being reported.

This reporting appears to be in direct violation of the law, including 15 U.S. Code 1681. I respectfully request the immediate removal of these accounts from my credit report. 

I appreciate your prompt attention to this matter and look forward to your swift resolution.