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

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 {$3200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. TransUnion and XXXX are reporting my XXXX student loan as late when it should be as what XXXX is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).
Product: Debt collection

On XX/XX/XXXX I received notification from XXXX, and XXXX  that a new collection was placed on my credit report. I have reviewed the information the collection account does not belong to me. They have damaged my credit with this incorrect information and I have yet to receive a response from them validating the account. What Methods of validation did XXXX and XXXX  use? I'm seeking this account gets removed from my credit report and cease all credit bureau reporting until they are able to " validate '' the account by me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to XXXX causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted multiple disputes in regards to an unverified collection account placed on my credit report by a company named XXXX XXXX XXXX. From my previous disputes, along with my complaint through CFPB, Transunion removed the collection account in XX/XX/2023, however just placed it back on my credit report on XX/XX/2023. 

Transunion has not justified or provided proof as to why the reappearance of this alleged collection account is back on my credit report. They still have not provided proof of the following : XXXX ) Proof of the original contract with the original creditor showing my wet signature. 
XXXX ) The full payment history from the original creditor. 
XXXX ) The proof of debt assignment showing how and when this alleged debt was purchased. 

Without providing proof of these requested items, I am being taken advantage of and my consumer rights are being violated. I am fully aware that as the credit reporting agency, they have to follow proper verification procedures before placing anything on a consumer 's credit report and Transunion has not provided any proof of these procedures taking place, nor provided any proof of the validity of this debt other than the word of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  accounts on my credit report that are reporting late payments when I was in fact never late.      XXXX   XXXX   XXXX   XXXX  -  XXXX  ( 30 days past due  XXXX ,  XXXX ,  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due  XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ( 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX   )  I was never late on these accounts and should not have any late paymetns.
Product: Debt collection

A person using my name opened an account with the company XXXX  for what I believe is an internet provider. The address the service provided at was XXXX XXXX XXXX in XXXX XXXX, XXXX. I have never opened an account with XXXX  or lived in XXXX XXXX. The parent company of XXXX, XXXX XXXX, directed me here to report the fraudulent account. I have an identity theft case number with XXXX XXXX that is XXXX. The overdue payments were forwarded to a debt collector, the CBE Group, and this is present on the credit bureau XXXX. 

Account number on my credit report is XXXX ( the full account number is hidden from me ) and the account was opened XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a certified letter to Innovis Consumer Assistance requesting validation bearing my signature of an account they are reporting under XXXX XXXX and if they could not provide the information that the account be deleted. On XX/XX/2019, they sent an " account has been verified as accurate '' but provided no validation documents and placed no dispute remarks as required by federal and state reporting laws. On XX/XX/2019, I sent a second letter requesting the verification documents bearing my signature and their failure to place dispute remarks and they not only did not respond to the request, they also did not place dispute remarks. On XX/XX/2019, I sent a letter requesting the procedure used for validation within 15 days and they have since failed to respond.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my information reporting on my Equifax Credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Equifax several times throughout 2020 to resolve the removal of a bankruptcy that's showing in error on my credit report. The last time I decided to also reach out to other entities like XXXX and a few more to see where XXXX, XXXX and Equifax are getting this information. They allowed me to know they have no records of a bankruptcy and XXXX, XXXX and Equifax did not get the information from them. XXXX, XXXX and Equifax has yet to remove this from my report and I want it removed ASAP due to the severe impact that it has on my credit report. Not to mention XXXX is reporting this information twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency have inquiries on my report i did n't authorized.
here are the unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXX & XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Money disappear from my account and I was told since it was from ATM and others from different reasons I was denied my funds back and also from time to time I would see amounts of money gone from my accounts. I also applied for loans and credit cards from them and we're denied immediately and my credit score is not that bad plus I've been with them since XXXX and I have encountered numerous problems through out the years.
Product: Credit card

I pay the payment and they take the money from the bank account and they wait about a week and half before they adjust the credit I have an it goes in the negative while they apply fees to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I filed a police report and mailed the police report to Experian with my drivers license, a copy of a utility bill, and a copy of the police report. I had a fraud alert put on the Experian account. These are the following accounts listed. 
XXXX XXXX XXXX  XXXX XXXX {$3000.00} balance XXXX XXXX {$720.00} balance XXXX XXXX {$730.00} balance XXXX XXXX XXXX XXXX   {$7400.00} XXXX XXXX XXXX {$1100.00} Also attached in the photos are an example of an account that was removed and then readded
Product: Checking or savings account

The company allowed the Power Of Attorney for my grandfather to go in, update the signature cards to not include my name on the account titling, and then to take the funds with the reissued signature card. 

The signature card shows XXXX, which is the bank using the Power of Attorney paperwork to make account title changes to the account. The signer XXXX XXXX did not have a proper id, he never bothered once losing his drivers licence for XXXX/XXXX XXXX XXXX. 

The Power of Attorney had no legal authority in the power granted to them to update titling ( customer/account level ) on an account. Since they were unable to properly verify the signer that day, as evident on the signature card, no change could have been made to the titling.
Product: Credit reporting or other personal consumer reports

I enrolled in Experian 's premium identity protection plan to alleviate the XXXX of being a victim of identity theft. However, instead of providing protection, Experian compromised my private information, escalating my problem with identity theft to catastrophic levels. 

Despite having two-factor authentication, credit lock, credit freeze, and a fraud alert in place, Experian allowed XXXX identity thief to take over my account by agreeing to change the email, and phone number associated with the two-factor verification protection in my account. This gave the identity thief full access to my Experian account, and this thief continues to exploit my accounts to this day, as I write this complaint. 

This negligence on behalf of Experian exposed my familys financial security and my personal financial security to a criminal, caused significant disruption to my career and my spouses career, and caused significant XXXX XXXX 

Furthermore, Experian refused to cooperate and honor my request for a reasonable and prompt protection of my personal financial information. They are refusing my request to verify my identity by going to an Experian office in person, with official documents ( passport, dl, birth certificate ) but instead, insist that I make copies of these sensitive documents and mail them through an unsecured XXXX XXXX XXXX. 

As a result of XXXX negligence, I can not safely hold a bank account or credit account under my name as the thief still have active control of my Experian account, and continues to target banks and credit institutions. 

the full detail and description of events is attached below, along with a filed XXXX  report.
Product: Credit card or prepaid card

They locked my account after a direct deposit and kept my money and wont give me access to my money {$1400.00}
Product: Mortgage

On XXXX XXXX 2015 a short sale file XXXX lien holder ( Real Time Resolutions ) submitted the file to the investor ( was told XXXX XXXX XXXX ) for possible approval of the short sale. Since then we have been waiting for their answer. We have been waiting over 2 months. In eight years of negotiating short sales I have never seen an answer take this long.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THIS ADDRESS BELOW PLEASE REMOVE IMMEDIATELY THANK YOU. 

Remove this address from my consumer report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am a USAA customer and in XX/XX/2016 they migrated from MasterCard credit card to a visa branded card for all their customers. The balance was transferred to the new visa branded card and the legacy MasterCard account was supposed to be closed. Upon review of my credit report, I found that the legacy MasterCard account was still on my report with a balance of over XXXX. 

I have filed a complaint with the resolution department at USAA but upon review of my wife 's credit report, the same problem was there too. 

I am complaining because I only found this problem by happenstance and I suspect that many more consumers may be affected. If a customer had this issue, they might never know unless they meticulously reviewed their credit report. 

In my conversations with USAA staff, I found that this is a known issue to some of them. If they know, why have n't they checked and notified those affected? This seems suspicious as if they were concealing this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account below, 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 Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Product: Student loan

XXXX College of XXXX was paid directly since graduation for a Perkins Loan. The parent company kept reporting late pays on my credit report because of their slow processing. The loan had never been sent a late payment as every payment has been made on the XXXX of each month via Bill Pay from my bank. The loan is now being paid directly to the Lean Holder, UNISAINC. I have spoken to XXXX College in the past, and nothing has been resolved. I am, unfortunately, at the point of retaining legal counsel to deal with this loan. It is not my wish, but I am now forced to seek such action.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of dispute particularly in light of the the recent CFPB LAWSUIT highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.the cfpbs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card

I applied for a credit card with Citi Cards. It was an XXXX XXXX XXXX XXXX XXXX card. The annual fee is steep at {$450.00}. I applied on XXXX, but did not receive the card until XXXX after XXXX phone calls and promises that it was mailed multiple times. It was approved immediately after the application online and I received a letter from Citi Bank 6 days after the application noting that it was approved. The letter also detailed that the card would be received XXXX3 days thereafter ; however it took an extra three weeks. As part of the new card, there were spending requirements to receive bonus miles that needed to be met within 3 months, but my clock started nearly a month before I actually received the card and could use it. By the time, I received the card and logged into my account, I already had one full statement that was completed with the {$450.00} annual fee billed despite not actually having the card.
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 trafficking. 

XXXX. XXXX XXXX CARD Date of inquiry : XX/XX/XXXX XXXX. Inquiry XXXX Date of inquiry : XX/XX/XXXX XXXX Credit Card XXXX XXXX  BANK NA Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. All Banks XXXX  Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX Credit Card XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and Variety Stores XXXX Account Number : XXXX Date opened : XX/XX/XXXX Date Closed : N/A XXXX. Miscellaneous Department and Variety Stores XXXX XXXX Account Number : Date opened : XX/XX/XXXX Date Closed : N/A Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report that I believe are inaccurate or unauthorized. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and complete credit reports, and I believe that the items in question do not meet these requirements. 

Specifically, there are several unauthorized inquiries listed on my credit report that have reached the statute of limitation, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX. I did not provide authorization for any of these inquiries, and I have no knowledge of them. 

In addition, there are several accounts listed on my credit report that do not belong to me, including XXXX ( account number : XXXX ), XXXXXXXX XXXX XXXX  ( account numbers : XXXX and XXXX ), XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXX ), XXXX XXXXXXXX ( account number : XXXX ), and XXXX XXXX ( account number : XXXX ). According to the FCRA, credit reporting agencies are required to maintain accurate information, and any information that is inaccurate, incomplete, or unverifiable must be promptly removed or corrected. 

Therefore, I am requesting that you investigate these items and take appropriate action to remove them from my credit report. I have also included a copy of my credit report with this letter for your reference. 

Thank you for your attention to this matter. I look forward to receiving your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance the fair credit act DEPTEDXXXX XXXX XXXXXXXX has violated my rights 15. U.S.C 1681 section 602 A. States I have the right privacy 15 U.S.C 1681 604 A. A consume reporting agency can not furnish a account without my written consent
Product: Student loan

My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Debt collection

This debt was paid in full but still remains negative on my credit report as if instill owe this Debt effecting my ability to make be purchases.