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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiriess I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX FACTUAL DATA Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a XXXX notice about a possible fraud last night XX/XX/2022. It was in regard to XXXX XXXX accounts. I denied opening any accounts on XXXX and contacted XXXX XXXX. I spoke with the Frauds department who confirmed that my identity has been stolen! She couldnt give me much information however, it seems as though the imposter has possibly verified my drivers license as well. She told me all accounts had been shut down but couldnt give me any information on when they were attempted to be opened. She said there will be an investigation and I would be receiving information once everything has been resolved. We also figured out that the imposter was using an invalid address also. I then called XXXX and reported the fraud. They too opened an investigation. I got notification this am via a XXXX email confirming my opened accounts : XXXX convenience checking and savings. I also received an email stating that my email address has been requested to be changed. I called again to XXXX XXXX to verify all accounts were locked and it was confirmed. I plan to contact XXXX ; however, it is closed for the XXXX XXXX holiday today. I wanted to get this report in ASAP to make sure there isnt too much damage to my credit report and we can hopefully resolve this issue ASAP. Please let me know if there is anything else that I need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan in XXXX of XXXX, my payments are {$810.00}. and some change. I have made payments since. I had a deferred payment for two Months XXXX and XXXX of this year the payments resume for the Month of XXXX of XXXX. I Made a {$490.00} payment in XXXX towards my Principal. XXXX I paid {$810.00} for the regular monthly payment. XXXX, I made a regular monthly payment. They took the two regular Monthly payments of {$810.00} and put it towards the interest and said because I paid early that's what they are suppose to do. I make my payments earl to all my Bill 's  because I like to get them out of the way to budget my money. They are reporting XXXX. On there website when it should be less than that and they are reporting messy up my FICO score reporting XXXX. If I took out a XXXX dollar loan in XXXX of XXXX and been making payments faithfully and its showing that amount that means I have never made a payment on this loan which is crazy!.
Product: Credit reporting or other personal consumer reports

Experian keeps reporting inaccurate student loan account information on my credit report. After disputing 3 times, they still keep reporting this info as verified accurate when it's NOT & I explained the situation a million times. Experian just uses AI computer generated disputes & does NOT do a full investigation! Experian keeps telling me they get their information from the lender but I talked to the lender ( XXXX XXXX XXXX XXXX ) several times & they said they stop reporting to all credit bureaus in XX/XX/XXXX. & I talked to XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX. as well. In XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, took over all XXXX of my student loans, of the amounts of : {$5800.00}, {$3500.00} & {$30000.00} ( originally {$16000.00} ) These account were JUST transferred to the new student loan company, XXXX XXXX XXXX XXXX so on my XXXX XXXX report & XXXX it shows up same loans but new company. Plus, The {$30000.00} loan was 100 % PAID OFF in XX/XX/XXXX from a program I qualified for. So all the student loans started to show up on the credit bureaus in XX/XX/XXXX, because it took time to process. XXXX XXXX is the only credit bureau that is reporting my loans accurately, showing the new company XXXX XXXX XXXX, & just the XXXX loans I have for {$5800.00} & {$3500.00} in good standing. XXXX XXXX also shows the {$30000.00} 100 % fully paid or the original amount {$16000.00} 100 % fully paid & closed! XXXX is accurately showing only XXXX XXXX  new company & these XXXX loans {$5800.00} & {$3500.00} & the $ XXXX loan paid 100 % on XXXX XXXX But is still reporting XXXX XXXX XXXX  XXXX XXXX & {$30000.00} ( they got it part right ) & I just did a dispute with to remove the XXXX XXXX XXXX XXXX. loan of $ XXXX However, Experian is reporting all XXXX student loans still with the old company XXXX XXXX XXXX XXXX XXXXXXXX. & also the new company XXXX with the only XXXX student loans that should only be reporting {$5800.00} & {$3500.00} but is showing the XXXX XXXX $ XXXX loan ( original XXXX loan as fully paid & closed ( ITS THE SAME LOAN ) THESE ARE ALL THE SAME LOANS JUST NEW COMPANY TOOK OVER! What you are reporting is NOT accurate at all! It looks like I have XXXX loans on Experian report instead of just XXXX! It looks bad with future lenders & Im exhausted from trying to dispute inaccurate information on my report. I should not have to go through this stress its XX/XX/XXXX. By law Experian is supposed to only report accurate information. Experian is violating my rights & breaking the law. & Yes, I requested Experian to personally contact XXXX XXXX XXXX XXXXXXXX & to contact XXXX XXXXXXXX XXXX XXXX XXXX XXXX for verification & No they didn't ( for some reason that question Is not showing up on the CFPB report ) Thank YOU
Product: Payday loan, title loan, personal loan, or advance loan

I cosigned a loan for my so with Transform Credit. I am only liable if the payments are not made by my son and account is in default. 

This loan is current as my son made his XXXX payment which was. Today XX/XX/year> Transform credit withdrew {$130.00} from my account after my sons payment cleared. Transform Credit has acknowledged they received my sons payment and the account is current but They have stated that they will not refund me my money and are holding it for a XXXX payment. 

My son is the primary on this loan they should not be double dipping on payments especially if im only liable on case of default
Product: Credit reporting or other personal consumer reports

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

This is long but explains everything This company isn't following the law ( National Credit Systems Inc ) I got illegally evicted from my apartments of 6 years in XXXX of XXXX I knew it was illegal because the management company that is now fired never put it through courts she typed it out and left it at my door and then tried to say " We can talk about it '' and even extended time for me. I moved out with a good reference from the assistance manager still have the letter that says I always paid rent on time and kept my place clean. I moved out of state and the manager who gave me a fake eviction tried to blackmail me for my sister 's address which when I told her I knew what she was doing she stopped all contact and was removed by the owners. Well 3 years later I check my credit report and I see a debt of {$140.00} from the apartment place I never knew about it no one tried to contact me via mail, phone or email. and Indiana tenant law they have 45 days to let me know of charges and what they are for and they didn't do it. So it got sent to National Credit Systems Inc. I called them but when I tried to tell them what happened everyone talked over me and hung up one lady saying " You're going to listen to me! '' No one actually spoke to me like a human until I told them I was recording on my end for my legal safety which I was transferred to customer service but once I told her I was recording as well the lady told me she was on the phone with someone else put me on hold and never came back it went to voicemail. They will not let me explain anything to dispute it or even ask if I can get a copy to see for myself. I'm on a list for an apartment in a safe area for my family and don't want this on my credit please help me. I even tried their website to look up my information and when I clicked to view it my file was blank like it didn't exist and their payment option is completely broken leaving clients no choice to be stuck with this on their file. Also if you look them up there are hundreds of complaints like mine of them doing people wrong. Not providing payment proof and refusing to send any letters about their supposed debt.
Product: Credit reporting or other personal consumer reports

[ IE ] Re : Equifax Fraud Complaint XXXX XXXX XXXX XXXX ; XXXX ; XXXX other From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX Last XXXX Digits of Social Security Number : XXXX Phone Number : XXXX XX/XX/XXXX To Whom It May Concern, Dispute Department I am writing to formally dispute several inaccuracies on my XXXX credit report. Below are the details of my disputes : **Dispute XXXX : ** XXXX Information : ** - **Account Name : ** XXXX XXXX  - **Phone Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX, DE XXXX - XXXXAccount Number : ** XXXX The account and its reported balance do not align with my financial history. I have previously submitted multiple disputes, an identity theft affidavit, a fraud report, and a police report regarding this matter, yet no corrections have been made to date. 

**Dispute XXXX : ** XXXX Information : ** - **Account Name : ** XXXX XXXX  - **Bank Name : ** XXXX XXXX  - XXXX Number : ** ( XXXX ) XXXX - **Address : ** XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX account and its balance do not belong to me. This issue also pertains to identity theft and fraud. I have submitted all relevant documentation required for resolution multiple times, but the inaccuracies persist. It is crucial that the incorrect balance on this account is addressed promptly, as I have reported this as a case of identity theft. 

Thank you for your attention to these matters. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The fees were outrageous and I feel like I spent more than I was told.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Acct # XXXX is fraudulent account I have no knolwedge of and did not authorize this account to be opened, this is the 3rd time I am trying to have transunion help me remove this from my credit report. I reported it XX/XX/XXXX the last time and still no help from transunion. This is causing me emotional distress and my next step will to be filing a lawsuit against transunion for this. Please help me to immediately resolve this matter
Product: Student loan

In XX/XX/XXXX, XXXX from The Student Loan Relief Department in XXXX, XXXX, CA XXXX signed me up to have my student loans lowered and then forgiven in 10 years. They would have purchased my loan from my loan company and I would have paid XXXX for the transaction with XXXX at he same address, but from Mahattan Beach Venture, LLC. I called to cancelled and they 're refusing to answer and return my calls.
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially.

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY.

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately!

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX SELF-REPORTED XXXX Balance Owed : {$5.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$420.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked this company to remove my number from its database several times. The person they are calling does not live here nor do we know her. I 've had this number for XXXX years.
Product: Debt collection

I do not have a contract with this XXXX XXXX. I have never signed a contract with them  and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company.  I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. • What the money you say I owe is for: • Explain and show me how you calculated what you say I owe: • Provide me with copies of any papers that show I agreed to pay what you say I owe: • Provide a verification or copy of any judgment if applicable: • Identify the original creditor: • Prove the Statute of Limitations has not expired on this account: • Show me the you are licensed to collect in my state: • Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau (XXXX and  XXXX) and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Product: Debt collection

I was contacted last Friday by the debt collector. I told her I wasnt able to pay last Friday but I could The next Friday. She agreed and now there is a collection in my credit. I was paying Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that are the result of fraudulent activity, they have not been authorized and must be removed. My information was also compromised in the XXXX Data Breach and may have gotten in the wrong hands.
Product: Mortgage

We have been attempting to modify our home for several years to no avail. I filed a complaint 6 month ago against my previous mortgage company ( XXXX ). After the complaint was filed they sold our mortgage to BSI Mortgage Company. BSI Financial Services offered us a modification that was 60K plus over the value of the property and wanted to attached a second mortgage also. If we were to undergo another hardship we would have to pay 60k plus out of pocket to sell the property. Reluctantly we could n't afford to be trapped in a mortgage that was up side down no knowing the future. After rejecting this proposal we were forced into a short sale option. We hired a agent and completed the process of submitting a contract to sell the property. BSI Financial services rejected the offer and now they are telling us that the property has a m sale date for XX/XX/2017. If we have a short sale option why is there a foreclosure date on property. We really want to keep the property but we are being forced out. Furthermore XXXX XXXX XXXX stated we would receive XXXX for relocation expenses which we would need to relocate. CFPB can you please assist us in the matter..Please & Thanks XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX Loan # XXXX
Product: Credit reporting

Dispute letter along with original documents from the Creditor was mailed in regarding the incorrect balance of XXXX. I do not owe the amount shown on my credit report. I also attached a letter explain the breakdown of the incorrect amount. The credit bureau has failed to insert a proper investigation for the item. The reporting agency only went by what the creditor responded. The documents clearly states the balance is incorrect. 
Attached in the packet was the original agreement, copy of payment summaries as well.
Product: Debt collection

Called me and my daughter and mother and said they were a law firm and are going to send an officer to my house to serve me a summons and i could serve jail time if restitution is not made immediately. My daughter and mother are terrified! They were told this would happen to me after contact on theur own private lphones at their homes.
Product: Checking or savings account

During the business trip tn XXXX, on XX/XX/2020 around XXXX my rental car was burglarized. My cell phone, computer and wallet were stolen. I filed police report locally. Also I called my Bank of America to report stolen cards, but it was too late. Someone used them. Thefts used, stored log in information from my computer or cellphone to gain access to my bank profile. Money were moved from one account to another, lately cards were used in Jewelry shop. 
I filed few claims for unauthorized cards usage : 1 ) claim # XXXX - {$900.00} ( account:XXXX ) 2 ) claim # XXXX {$7900.00} ( account:XXXX ) 3 )  claim # XXXX {$7900.00} ( account:XXXX ) Police report was submitted, investigation took more than a month leaving me without all my savings. At the end all claims were denied without explanations. I stopped paying my mortgage because I don't have any money
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and Boeing Credit Union in order to get the issues cleared up. Boeing Credit Union has refused to remove data pertaining to account ( s ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Boeing Credit Union seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Boeing Credit Union ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Product: Debt collection

I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. It is unacceptable that your bureau has reported these accounts without providing sufficient information to substantiate your authority. As a consumer, I have the right to accurate and verifiable information on my credit report, and the lack of such details raises serious concerns about the legitimacy of these accounts. I request that you immediately remove these accounts from my credit report if you are unable to provide comprehensive information supporting your bureau 's authority to include them. I also expect the results of your investigation within the mandated time frame. I demand a thorough investigation into the legitimacy of the following accounts XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX. Please remove these fraudulent items on my credit file ASAP.