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

The government has made it so that an individual can place credit freezes on your credit reports. XXXX  and XXXX  have allowed me to freeze my reports while Experian has not. Experian will not allow me to place a freeze on my account, and is requesting I send all my sensitive information together in a mail to them to request a freeze. This delays my ability to freeze and thaw my reports electronically when needed, and leaves all my information potentially vulnerable to anyone who might put hands on and or open the mail I send with all of my sensitive information. And when the mail gets to Experian, I have to hope whoever opens the mail, doesn't steal or leak my information. I'd much rather take my chances with electronic encryption. My only option is to pay them to lock my account. I feel Experian is failing to comply to Federal standards.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on XXXX  credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so that I may review and see if this is actually an account that belongs to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX amount is XXXX and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed copies of my passport and a recent utility bill with my correct name spelling and my address that I have lived at since 2008 because I recently discovered that several accounts and addresses are on my credit that are fraudulent ... .. I mailed this stuff off in XXXX but I have not had any success hearing back from you and thats with mailing two letters back to back I need this information corrected asap .... I was advised to put this information on an FTC affidavit I filled out online which I am attaching to this complaint please correct this matter for me and email me with a response at XXXX. my correct address is XXXX XXXX XXXX XXXX nc XXXX I have had that address since XXXX of 2008 ... .. the addresses that have had fraudulent accounts/ activity is XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX, NC XXXX names that are incorrect XXXX  XXXX  XXXX / XXXX XXXX / XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my emails I notice that Experian sent me a email stating that a hard inquiry was initiated by XXXX  XXXX XXXX on XX/XX/year> I did not attempt to access a line of credit from XXXX  XXXX XXXX this hard inquiry was done fraudulently without my knowledge or consent I would like Experian to remove it from my credit report immediately according to the FCRA any fraudulent and inaccurate information must be remove from ones credit report Ive also made a report to identitytheft.gov about this issue
Product: Credit reporting or other personal consumer reports

XXXX 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 Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Student loan

I got a loan from Sallie Mae ( XXXX ) to cover my college expenses over a 4year period. I have fallen behind and unable to make my payments on time. I have expressed this to Sallie Mae resolution representative on numerous occasions. Moreover my interest is building my overall loan total to a substantial amount. My loan is now over {$120000.00}. They want me to increase my payments to {$1000.00} a month but I am unable to because I can barely make the {$200.00} per month I am paying in interest. They continuously call me even after I have expressed to them that I am unable to make payments on a temporary part time job. I recently graduated in XX/XX/2016 and I also got evicted. I have looked for jobs in my field ( XXXX XXXX ) but I am unable to find any because I am not a XXXX. For the majority of government jobs I have to be a citizen and I am only a XXXX.
Product: Credit card or prepaid card

On XXXX XXXX I was trying to pay my car note and car insurance bill and my card kept declining. I had over enough to cover the charges. I called the customer number for Credit Karma spend account, and was advised that my card account had been locked by the system. The customer service department told me they could not tell me why. The rep told me that they send a help ticket to the tier one team. They also advised me that it usually takes 24 hours to get a answer. I have continued to email, call and speak with supervisors and still have not been given a answer as to why my account is locked. My account has currently been locked for 5 days now. I have not received a call back, email, or mailed notice as to why my account is locked. The number provided to me as the customer service number says they can not give me a answer and the only thing they are allowed to do is make a email request for me. Im reaching out for your assistance because I cant get any answers on why my account is locked and I have not received a resolution to my many complaints to this company.
Product: Credit card or prepaid card

I utilized a XXXX XXXX XXXX XXXX Mastercard serviced by Synchrony Bank to pay for a {$85.00} charge for services at the XXXX XXXX XXXX. However, instead of just the one single charge, they have continued to bill my credit card to a total of {$3100.00}. I have written and talked to their dispute depart at Synchrony as well as the Fraud Solutions Department. By letters attached, they have indicated that they have resolved this matter and remove the charges as well as updated all applicable credit card departments, see attached letters. However, to date, they have not. I need assistance getting this resolved as calling the bank only puts me from one person to the other, all of whom do not know what the other is talking about or how to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account ( XXXX XXXX XXXX ) belongs to someone with else with the same/or similar name.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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. 15 USC 6802 A. may not disclose personal information.
Product: Debt collection

XXXX XXXX XXXX is reporting this debt to my credit to which i do not owe .I have contacted them to tell them that I never had an account with paypal and they refused to remove the account from all three credit bureaus. This is in violation of the FCRA is williful as they have not provided me any documents.
Product: Credit card or prepaid card

Home Depot credit card has what they call " promotions '' when you get your credit card. What they don't tell you is that these promotions you are forced into and can not opt out of them. They also do not tell you they pick and choose what products are promotional use. Hone depot also does not tell you that if these promotions are not paid off in a certain amount of time allotted your are slapped with huge interest amounts. I was hit with XXXX in one month for interest, XXXX XXXX the month prior and XXXX the month prior to that. Not knowing, this had made ny account go over its limit. If I jad been informed about all this I could have budgeted ny account more adequately. I can only imagine how many consumers have this happen to them. These are shady business practices. Now I have even been charged a late fee since I paid my standard {$140.00}. Per month, but the wanted over XXXX because the card went over limit due to this who scheme they do not tell you about.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

I have tried to request validation and dispute this inaccurate charge. I do not owe on ANY medical debt or bills. All my medical bills are covered by XXXX XXXX XXXX. Everywhere I go knows that. This is wrong, inaccurate, and false information that I was never informed of owing any debt or given a right to dispute this before it was listed on my credit file. This is wrong and unfair. I need some help. 

AWA Collections reporting # XXXX for {$700.00} AWA Collections reporting # XXXX for {$1000.00}
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 3 : I dispute I dispute XXXX Balance XXXX, this is not mines. I have attached ID Theft form. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Item # 4 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. I have also provided proof of payments on this account. If account has been written off as a loss and I have made payments they are breaking the FCR ACT. Please delete this account. 
Item # 5 : I dispute I dispute XXXX Balance XXXX, this account is sold or in collection and under the FCR Act this account has to show XXXX balance. Please delete account. 


The inquiries below is not mines. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX  Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a phone bill account opened at XXXX on XX/XX/XXXX under the account number XXXX reporting with XXXX XXXX XXXX, and a collections child support account opened on XX/XX/XXXX with a balance of {$0.00}. A Credit card account reporting with XXXX XXXX opened on XX/XX/XXXX under the account XXXX. an 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

In accordance with the Fair Credit Reporting act XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXXXXXX, Bankruptcy XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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: Debt collection

Returned equipment and paid bill to XXXX for their internet services. Waypoint is saying their final payment was never paid. I let waypoint know when the return was made to XXXX and the bill was paid. I told XXXX to let me know if there would be any other costs. I was told that everything was paid and all had to do was return in equipment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am currently being sued by portfolio recovery for a debt that I have asked for validation on several times to no avail. They have yet to prove their right to collect on this debt. We have had 2 court dates in which Im not even sure if they showed up because they didnt speak but the judge keeps telling me he will continue the court case and that I should settle out of court. Even though I do not agree with the judge as I feel Portfolio Recovery is violating 15 USC 1681 I have tried to call and settle and spoke to a lady with a very nasty attitude. I offered to pay {$1700.00} that day in order to settle she said no and also said my account is not eligible for settlement. At the last court date I advised the judge again that Ive called and they refused to settle. No one spoke up on behalf of portfolio to confirm my account is not eligible for settlement in court. He then told me to try to call again! I feel as if they are not abiding by the judges orders in addition to never proving that they can even collect on this debt. My next court date is in XXXX and this time Ill be present with an attorney and a counter suit. I am in the process of buying a home and Im trying to put this behind me.Please help!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 
XXXX XXXX XXXX XXXX XXXX
TO WHOM IT MAY CONCERN:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN 
MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE 
REPORT. 
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 COMMISSIONs IDENTITY THEFT AFFIDAVIT. PLEASE 
DELETE THE ITEMS AS SOON AS POSSIBLE.
DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS 
1. XXXX XXXX XXXX
2.XXXX XXXX XXXX XXXX
Product: Checking or savings account

Received an email XX/XX/22 at XXXX a checking account at Truist Bank was opened in my name. Called them immediately to close the account as this was a result of fraud/identity theft. I then received a notice in the mail dated XX/XX/22 that the closure of checking account number XXXX was finalized. On XX/XX/22 at XXXX, I called a local branch to see if someone opened it in person. XXXX XXXX informed me it was opened online and not in person. Oddly, all correspondence from Truist went to my personal email and my home address. All information on the account matched correctly ; nothing was changed to the scammers information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are continuing to report past due payments that are too old to be reported. The continue to past due payments for student loans that are older than 7 years. Per the Fair credit report act, Remove negative information seven years after the date of first delinquency. This is not being done. XXXX and Experian are continuing to report past due payments for several close XXXX XXXX accounts that are older than seven years. I have disputed this multiple times yet XXXX and Experian continue to report out of date past due payment history.
Product: Payday loan, title loan, or personal loan

Recived message from app easy money to pay the loan that I have not applied, than credited an amount of XXXX, than requested to pay amount of XXXX than payed the amount, than again recieving calls from different numbers again to pay the loan that even I applied, now they got contact details and blackmailling me to pay the amount in unknown link
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XX/XX/XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPT OF EDUCATION/XX/XX/XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DEPT OF EDUCATION/XX/XX/XXXX XXXX DPEDXX/XX/XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX DEPTEDXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you because I noticed that my most recent credit report contains a late payment ( s ) reported for the above listed account.

I want you to know that I understand, and have great respect for my financial obligations.

Due to Covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of covids forbearance period. I have late payments on my report I want removed because I am a victim of covid 19 and legally you should not have put them there. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.

In the near future, I am planning on applying for a mortgage and it has come to my attention that the missed payments on my credit reports could hurt my ability to qualify.

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payments from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 
Thank you for your consideration. 
XXXX XXXX