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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX {$980.00} XXXX  XXXX {$570.00} XXXX  XXXX {$6200.00} XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my transunion, experian, and equifax credit report. 
XXXX XXXX XXXX, Inquiry XXXX. XXXX. XXXX XXXX VIA DEALER, Inquiry XXXX. XXXX. XXXX XXXX XXXX, Inquiry XXXX. 
XXXXXXXX XXXX XXXX, Inquiry XXXX. XXXX XXXX VIA DEALER, Inquiry XXXX. XXXX XXXX XXXXXXXX XXXX, Inquiry XXXX. 
XXXX, XXXX XXXX. XXXX FIN XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX date : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX, XXXX XXXX XXXX, Open date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I has a credit card with XXXX which suddenly went out of business and canceled my credit card. I have no balance. My credit card went down XXXX pts. I did not cancel the card. There is no longer a store. Why should I be penalized?
Product: Credit reporting or other personal consumer reports

I have been applying to housing & car loans between XXXX. Since XXXX TransUnion hasnt changed information on my credit report pertaining to applications. I was also in late XXXX had an emergency in where I froze my credit and my credit wasnt froze. All Data is electronically stored on my credit reporting inquires and history timeline.
Product: Student loan

Unannounced to myself, XXXX sold off about 15-16,000 $ of my ( at the time XX/XX/XXXX ) defaulted student loans to a company called USA FUNDS, INC . Even though I came back and got into good standing with XXXX, they did not help consolidate or even inform me that they did not hold the full promissary note. Since XX/XX/XXXX-XX/XX/XXXX, when I got in goods standing with what I thought was the full amount of my loans and began repaying them, they did not contact me or give me information that there was a second owner on a separate set of loans ( Even though it is accessible in their systems I came to find out, via an on the phone representative ). In that time they managed to predator-ally farm my interest up to over 23,000 $ in total with the loans. That 's roughly about what I make in a year as a XX/XX/XXXX. Now, they suggest I go through a government consolidation program, and use XXXX as a provider, and I will end up paying all of that interest for the sale that they hid.
Product: Debt collection

They call after hours past XXXX at night, they call 20 times a day or more. Constant all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I was made aware I can't refinance my home due to my credit score. I was advised there were medical collections on my report. I was advised they shouldn't be on my report due to H.I.P.P.A and my medical privacy. It has effected my score drastically. I have 3 separate medical collections from 1 company. I called the collections agency explained the situation. They advised me to call the 3 credit companies to dispute. As of today my score was updated and score increased by4 points. Due to 1 of the 3 collections
Product: Debt collection

Dates I've been contacted : XX/XX/19 ( two times ), XX/XX/19, XX/XX/19, XX/XX/19 ( three times ), XX/XX/19 ( five times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ), XX/XX/19 ( five times ), XX/XX/19 ( three times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ).
Product: Credit reporting, credit repair services, or other personal consumer reports

at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and rgs financial is reporting to report I owe XXXX to XXXX I have disputed and they removed account now rgs is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track numberXXXX XXXX XXXX XXXX XXXX- as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.
Product: Mortgage

Too much to type it all out as this has been an ongoing issue over 8 months, but I've been trying to close a refinance with Contour Mortgage since XX/XX/XXXX. Just this week ( week of XX/XX/XXXX ) I was informed that a final decision has been made to not refinance my mortgage. I was not given an official reason and I supplied every piece of information that was requested of me in a very timely manner. I have not received a refund for the over {$2000.00} in appraisal fees that I was charged, and my credit was checked multiple times without my approval to do so. These inquiries will negatively affect my credit for the next 24 months. What is happening to me should be illegal. I fear it may be discrimination, as there is no other logical excuse or reason this is happening to me, when loans for other people have been getting closed since XXXX without issue.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TRANSUNION for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TRANSUNION has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of TRANSUNION to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TRANSUNION upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XX/XX/2023, my account was frozen without warning. I called USAA not knowing anything to resolve the matter. I was told that it was frozen and under review. They refuse to tell me anything and have treated me with disdain like Ive committed a crime or some sort. I believe it is because I was trying to send money to fund a trading account. I used my known XXXX, XXXX, email address and passwords/codes using the procedures outlined by them in order to facilitate this transfer. They never sent the money, I was never notified of a problem or was asked anything. I feel XXXX being denied due process of law and now they are causing a financial hardship.
Product: Student loan

I have been making payments for 10 years. the first three years have n't counted toward my public service loan forgiveness program because I was on the wrong payment plan and was n't informed. When i found out how it works around 2013 I got on the income based repayment plan and paid what I believe is XXXX $ toward my 10 years for the public service loan forgiveness program. Now I am being told that I cant count any of that towards my 10 years because they did a consolidation on my loans. This is unfair. I am not even sure why they did the consolidation as there was no real benefit to me and also I was NEVER informed that would cause me to lose out again on money I paid going toward my loan program. I would have been on the lower monthly plan if I knew it wouldnt count- this is unethical and would like it resolved.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

XXXX XXXX card, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX card , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX : # XXXX XXXX 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 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 a account with my written instructions
Product: Money transfer, virtual currency, or money service

A U.S. Treasury check in the amount of {$14000.00} was mailed out to me WITHOUT my knowledge in XX/XX/XXXX, STOLEN before this untracked mail could reach me in XXXX XXXX XXXXXXXX, and was cashed in by an UNAUTHORIZED PARTY based off the endorsement image provided and routing number on the check copy at the following location : JPMorgan Chase Bank , National Association ( Branch ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Routing Number XXXX This amount was apparently a refund of all payments I had made in XXXX to FULLY PAY OFF MY STUDENT LOAN ACCOUNT with XXXX XXXX, Department of Education. I was not made aware any sort of refund check was coming to me. I have attached a letter I received in XXXX and XXXX of XXXX from XXXX XXXX, confirming my account was at a XXXX balance. 

My account was reopened in XXXX and I started receiving demands for payments again with interest accruing on my account. Upon further investigation it was discovered that the Treasury had mailed out this check WITHOUT notifying me and it had been cashed in UNAUTHORIZED with a FORGED signature and DOUBLE ENDORSEMENT by employees at JP Morgan Chase. 

A police report was filed with the New York Police Department XXXX XXXX confirming this was IDENTITY THEFT, XXXX XXXX, and a FELONY. It is attached. 

There is concrete evidence that an individual STOLE my check and JP Morgan Chase in XXXX is responsible as an accomplice in XXXX XXXX for cashing in a federal check without proof of intended recipient 's identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security has been used by my brother. I believe this best buy mastercard that is now being reported by a collection agency ( XXXX XXXX ) this credit account was opened by my brother who was my former roommate and eventually took over my lease when I was XXXX in XXXX around the time when the account was opened. He has access to my information and my mailing address. upon checking my credit report I noticed the account and I have no knowledge of the account. is there any way that this account can be removed from my credit file. Ive tried to reach out to the collection agency but they refused to remove it even with a FTC report and a copy of my military orders. I've uploaded my FTC report to support my claim that I've been dealing with identity theft and fraudulent for the past 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue many times with TransUnion in which they have inaccurate data reporting on my credit file. They even have my name listed as XXXX XXXX the XXXX I have never been the XXXX ( second ) what woman has ever been. This has got to stop. Please help
Product: Debt collection

Around XXXX of XXXX I started to get calls from my health club XXXX XXXX, ( now bought by XXXX XXXX ). I have gone to the gym off and on since XXXX. Every now and then they would have issues with my auto payment, and I would go to the gym speak to the manager and it would be taken care of. So in XXXX I went in and talked to the manager XXXX. XXXX told me not to worry about the calls he was going to take care of everything and start my membership up again. I still to this day am paying for my membership. I randomly looked at my XXXX XXXX app last month and saw I had a debt collection from XXXX XXXX ( was XXXX XXXX )
Product: Checking or savings account

If regulated banks such as XXXX and Citi are allowed to discriminate as to which companies and individuals they allow to do business with based on their personal preferences or political beliefs and insert themselves into social engineering, then where is the line drawn? XXXX vs XXXX banks, straight vs XXXX banks, and gun owners vs non gun owners? When the next financial disaster occurs will we voters be allowed to give a thumbs up or down on each whether they get a taxpayer bailout or not?
Product: Debt collection

Debt validation letter XX/XX/XXXX Name : XXXX Address : XXXX XXXX XXXXXXXX XXXX PA, XXXX Company name : Credit Collection service Company address : XXXXXXXX XXXX XXXXXXXX XXXX, MA XXXX RE : Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Individual action of the Fair Debt Collection Practices Act and Defamation of Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the negative information that appears on my credit report, as required by the Fair Credit Reporting Act ( FCRA ) section 611. 

There are several items on my report that are inaccurate and should be removed immediately to ensure the accuracy of my credit report. These items include : The name XXXX XXXX XXXX, which does not belong to me, is listed on my report. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The following addresses are listed on my report that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The employer XXXX XXXX XXXX is listed on my report, but I have never been employed by this company. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

Several accounts on my report, including DEPT OF ED/XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have payment histories even though they have been charged off. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

The account with XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) has inaccurate information regarding payment status, balance, comments, payment history, and account number. This violates the FCRA 's requirement that credit reporting agencies report accurate information about consumers. 

I request that these items be deleted from my report immediately in compliance with the FCRA. I also request that you provide me with a free copy of my credit report, as required by FCRA section 612. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I am enrolled in a rate reduction program with Navient to pay back my student loans. I have been making the necessary payments ( {$460.00} ) consistently for years! However, i have been experiencing some hardship and have fallen 5 months behind. I have had many conversations with Navient explaining my situation and have repeatedly been told that this is my obligation and theres nothing else they can do to help me with the monthly payments. Im not eligible for deferment or forbearance. My credit score has dropped significantly due to the reporting to the credit bureaus. They have called multiple times a month, harassing me and my father ( who is my co-borrower, but retired ). They sent letters recently stating they will be sending the account for litigation review and more recently stated the account is under review for litigation. On XX/XX/24 i received a called where the workers supervisor triggered my mental health & was rude with me. Furthermore, she stated shes sorry i had a recent death in the family, but that me and my co-borrower should have budgeted to make sure the loan was being paidin the midst of our tragedy/grieving. That supervisor proceeded to state that Navient will put a lean on my fathers home. Looking for guidance and assistance as I feel that this is completely unfair to harass someone that has been making consistent payments for years, but once they have fallen a few payments behind due to hardship, theres no understanding or compromising with different options that can work for all parties. Thanks
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to United Guaranty and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.XXXX XXXX told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the first I have heard of this issue and it seems shady to me since it was over 10 years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.