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

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

12. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete this account. 
17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and all three bureaus are reporting my address as New York I have never lived in New York ever. Please delete this address off of my report. I have been a victim of identity theft in the past. My address is XXXX XXXX XXXX XXXX, XXXX TN XXXX, Thank you.
Product: Credit card or prepaid card

On XX/XX/2020 I contacted Apple Card issued by Goldman Sachs to report a dispute for a purchase made on XX/XX/2020. The goods purchased were not delivered within the agreed upon time frame and I received no response from the merchant. Goldman Sachs refused to accept my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The main problem has to do with XXXX reporting information incorrectly. 2 of my credit cards were reporting incorrect balances for more than a month, since XX/XX/2023, for my XXXX XXXX credit card ( {$190.00} ) and Citi Bank credit card ( {$6500.00} ). I put in a dispute to XXXX on XX/XX/2023 to try and correct these balances so my credit score would improve and I would be able to apply for credit cards. On XX/XX/2023, the dispute was " completed '' by XXXX but instead of correcting the balances they deleted the Citi Bank card off of my credit report and did not change my XXXX XXXX credit card saying it was correct at {$190.00} balance. This ended up lowering my credit score 20 points because of the deleted account which I did not ask for. I contacted both of the companies directly and both said they were sorry for the incorrect balances, that they don't know why XXXX was reporting incorrectly, and would make sure they were correct this coming cycle. Citi Bank was not able to add the credit card back to my account which I still need to happen and XXXX was not helpful either, and were not polite on the call with them. The cards are still active so I am hoping that the next credit run, they will report accurately. It is almost XXXX and XXXX has still failed to fix anything I initially asked for even though they said they would " fix it quickly ''. The balances on both accounts are now XXXX XXXX
Product: Student loan

I attended college at XXXX from XX/XX/XXXX till XX/XX/XXXX with a break in the summer to move XXXX so I could go for my XXXX in XXXX as well. First of all the institute was not forth coming with student loans they told me that I had federal and state grants that covered most of my schooling they did not inform me of how much each private loan was or that I was signing paperwork for a loan which they stated was for receiving my books or equipment for labs. I graduated in XX/XX/XXXX a month before the stock market crashed. I was also laid off in XX/XX/XXXX. I called to consolidate my student loans when I received my first bill and was shocked it was almost {$1000.00} per month and I was unemployed they said due to the economy they were no longer able to consolidate student loans. I asked for help and they just put it in forbearance each time until it was no longer able to go into forbearance. I then asked for low income payment plan they said I did not qualify for that program. I tried to extend my payments for 25 years instead of 10 years to lower my payments and they told me that they could n't do that it needed to be paid off within 10 years. I pleaded with them and asked them would n't they rather me be on a payment plan that I could meet and make payments instead of defaulting on them and they were very nasty and not worried about my hardship. I ended up not being able to make my payments until it went into collections and the payments were XXXX per month instead of XXXX each month. unfortunately I had a family emergency and had to move back XXXX and I was unemployed again and could n't make those payments either. I have not been able to get a job in the career field that I went to XXXX for due to companies laughing at me when I say I graduated from there. Not able to transfer my credits I received from there to another school. Not to mention I received a degree that is worth nothing and having to pay student loans that are extremely high and ca n't start a new career to better myself. The school is now closed thank XXXX no one else will be robbed of their time they ca n't get back and student loans with a creditor that wo n't help you or care about what your going through to the point where your credit score is so damaged and you are not able to do anything with your life. I am so disappointed on both sides the schooling and sallie mae for not helping or caring about their customers, for extremely high interest rates, calls all hours of the day and night weekends and holidays, threatening to sue and take all my income taxes to repay student loans. Because they would not work with me so I could pay by not consolidating, extending, or payment plan for low income I have been hurt with credit score not being able to provide for myself or family. I have had to move back in with my parents not able to buy a car without having extremely high interest rates. I am hurt and feel as I have been robbed of a good career, credit, and score, I have also been harassed and threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain 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 verified that these items are being reported correctly? Who verified these accounts? 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 accounts 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 ACCOUNTS? I believe you have not verified these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I researched the American Express Blue Cash Preferred Card and everywhere I checked it is advertised as {$0.00} fee for the first year and then {$95.00} after that. I signed up for the card and Amex billed me for this and is refusing to honor this because they are saying I did n't apply for that offer. That is the primary reason I signed up for the card.
Product: Credit card or prepaid card

They are charging late fees for payments made in advance. Even if they waive the fee after the fact as a courtesy, they charge interest on the fee before it is waived.
Product: Checking or savings account

Opened a checking account with Truist bank, account was used in the course of business in order to send and receive payments via wire transfer and checks. on XX/XX/year>24 without notice my account was frozen and supposedly closed with over {$37000.00} in the account. Checks to vendors and wire payments to vendors were denied, which then causes a backlog of customer orders as If we can not pay vendors we can not ship orders. This freeze or closure was done without warning and we were never asked for any information nor were we told why this has happened. We used this account exclusively for XXXX  months without issue or any change in business practice.
Product: Mortgage

Ditech, the company who services my mortgage loan violated my XXXX XXXX XXXX  rights, as well as fraudulently added an escrow to my account in XXXX. 

At approximately XXXX XXXX, XXXX, I called Ditech to return a voicemail message. At that time, I found out that Ditech had added an escrow to my loan account, with no prior notification to me, in the amount of over {$19000.00}. In addition, Ditech violated my right as a XXXX member, as I have had XXXX waivers on file, beginning with Tax Year XXXX, with the XXXX County Tax Appraiser 's Office in Texas. I have had the mortgage loan since XXXX, and have made standard payments of {$880.00}. My payments have always been paid on time and in full. In addition, my property taxes were paid separately since loan origination. 

I have discussed the situation multiple times with various customer service representatives at DiTech. They acknowledged receiving the fax on XXXX XXXX, XXXX and keep it on file. At one time, a representative stated the taxes had been reported as delinquent. When I called the XXXX County Tax office, they stated no such report was made. In addition, the XXXX County Tax office called the XXXX County Appraiser 's office to ask the same question, while I was on hold on the other phone line, and verified that the Appraiser 's office also did not report the taxes as delinquent. During a follow-on phone call with Ditech, a representative apologized for the error and stated that the loan would be adjusted. During another phone call, a representative stated that once they receive a refund from the XXXX County Tax office, they would adjust the loan. 

When I called Ditech on approximately XXXX XXXX, XXXX, to request any form of documentation proof that taxes were reported as delinquent, the representative stated there was no hard copy and that it " may '' have been an electronic notification to them. In the same conversation, the representative stated they had received a " Redemption Report '' and had indeed been informed of a XXXX waiver. 
Ditech currently has a payment balance for the month listed on my monthly statement of {$6200.00}. In addition, my payments of {$880.00} have not been reflected in the monthly statements. They have also created a lien on my house. They amount on my credit report also reflects an erroneous balance, due to Ditech 's infringement on my XXXX waiver rights. 

Since the time of my notification, they have mailed out letters on refinancing and foreclosure and have failed to address the real issue.
Product: Payday loan, title loan, personal loan, or advance loan

I was making payments on the loan however when changing bank my payments werent processed for XXXX months. Another company bought the debt from that loan and called me today ( XX/XX/year> ) saying I needed to pay the full amount or half the amount today. If I didnt they would pursue legal proceedings. They also said I had to be at my house at certain time so they can appraise my vehicle. A vehicle that I dont own anymore.
Product: Credit reporting or other personal consumer reports

In accordance whit the Fair Credit Reporting act 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 XXXX It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have no knowledge of these two collection debts on my CREDIT REPORT. They show up as charge off and closed accounts, but I never paid any agency or even had knowledge of these accounts on my credit profile! This is a violation of my rights as a consumer and a violation of the Fair Debt Collection Practices Act! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was in receipt of money to purchase a XXXX gift for myself from loved ones on that day. Since I already use a marketplace to find deals on legitimate items users don't need anymore, I decided to look for a a pair of XXXX XXXX headphones for personal usage. I found a listing and the user stated the item was legitimate and was still in the wrapping provided from wherever he purchased them from. After, contacting the user, I was able to solidify a time to come and see the item. After looking at the item, it looked legit and proceeded to provide the information through CashApp to provide the funds for transfer of goods. When I arrived home, I unraveled the item to only find that the headphones were not legitimate, as there were many flaws with the item. I proceeded to instantly dispute the item on CashApp, XXXX and contact the seller with all the flaws and demanded an exchange of the said item. He was responsive up until I sent over the proof, in which I was not given a response. I requested a refund from him through the app and he declined it that same day. CashApp declined my request for a refund on the XXXX of XXXX and XXXX declined my dispute on the XXXX of XXXX stating the transaction was valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurateand unknown things on my credit report to this day over 60 days later I have not receiveda response yet. I strongly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigatethese items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted from my credit report immediately or I will file for litigation due to the stress you cause me.
Product: Debt collection

Have ask several times for receipt from this company to make sure they are a real company and that I have payed them and will not have to hear from them again but they will not send me a receipt. Keep saying that they made a note of it but I have not received a receipt.
Product: Checking or savings account

XX/XX/2020, I tried to link my PNC bank account to XXXX so I can do online trading for personal investments. I was denied. Not sure why. Its my money and I would like to do what I want with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my students loans 100 % paid off since XX/XX/2017. The Department of Education still reports it as I am making late Payments and lowering my credit score
Product: Debt collection

I have written to this Creditor ( Bridgecrest ) and ask that they prove the supposed debt they sent to be on my credit file. They have not validated this " debt '' and they have inconsistent information on the file as well. 
Because of the non-existent validation and the Inconsistent information I According to the FCRA and the FDCPA, it needs to be removed immediately.
Product: Checking or savings account

I have been getting denied by banks cause Im in early warning systems and XXXX XXXX and I didint even open the banks
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 Bureau 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX collection accounts which are unfairly reporting on XXXX, XXXX AND EQUIFAX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
Product: Credit reporting or other personal consumer reports

I checked my credit report XX/XX/2024 and noticed two fraudulent accounts on my report. I disputed with transunion, XXXX  and XXXX and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting or other personal consumer reports

Despite previous notifications and attempts to rectify the situation, TransUnion has failed to conduct a proper investigation and continues to report the account XXXX XXXX XXXX XXXX inaccurately. 

On XX/XX/2023, I sent a letter to TransUnion detailing the specific errors associated with the account in question, which involves the collection agency XXXX XXXX. I provided evidence highlighting the inaccuracies, and I expected a thorough investigation and prompt correction in accordance with the Fair Credit Reporting Act ( FCRA ). XXXX has since removed this account. 

To my dismay, TransUnion has neglected to remove the inaccuracies from my credit report, demonstrating a clear violation of FCRA regulations. The continued reporting of unverified information not only damages my creditworthiness but also constitutes defamation of character. 

Given the persistent non-compliance with FCRA guidelines, I must inform you that I am left with no recourse but to pursue legal action against TransUnion to seek relief, damages, and corrective measures. 

I urge TransUnion to address this matter promptly and rectify the inaccuracies on my credit report within 14 days. Failure to do so will leave me with no option but to initiate legal proceedings. 

I have documented our communications and the specific instances of non-compliance, which will be presented as evidence in any legal proceedings. It is my sincere hope that TransUnion will take immediate action to rectify this situation and prevent the need for further legal action. 

I have attached the dispute letter, which is dated, and time stamped as well as the credit report with clear inaccuracies such as the date last active and the 2-year payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE , ENGELHARDT V. GRAVENS ( MO ) 281 SW 715,719, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS