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

FCRA violations Not mine not my credit card XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$25.00}, XXXX written off. {$25.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$25000.00} Never late on these accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Potentially negative XXXX opened XX/XX/XXXX not my loan XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$53.00}, XXXX written off. 
never lived here XXXX XXXX XXXX # XXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX XXXX  XXXX XXXX, KY XXXX XXXX type Apartment complex XXXXXXXX XXXX XXXX XXXXXXXX, LA XXXX Resident type XXXX family XXXX XXXX XXXX XXXX, LA XXXX Resident type Post office XXXX XXXX XXXX  XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident type - XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX Resident type XXXX XXXX not my XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX IN Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX 2024
Product: Debt or credit management

I applied for the SAVE plan with MOHELA in XXXX. It's now XXXX. The plan is on hold but they totally messed up every step of the way. I'm a professor. I have a XXXX  from XXXX. Believe me when I say, they're rude and incompetent. Fine them and drop them. 

MOHELA is terrible.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Credit card or prepaid card

I was charged {$480.00} and {$75.00} on XX/XX/12 from XXXX. I disputed this amount with the bank. The bank issued a credit due to the dispute and XXXX sent refund check for each amount. The checks were cashed. XXXX billed me for both of the amounts. I contacted the bank 's chargeback department numerous times. I also went into the bank. I was advised to pay the charges. I did pay the invoices from XXXX. The bank has now rebilled my account for these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX account # 1 XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX account XXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.A 1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.A 1681 SECTION 604 A 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

I have attempted to payoff my mortgage with Shellpoint Mortgage Servicing. On XX/XX/XXXX. My bank, XXXX XXXX, will not send an epayment of over {$50000.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent five payments totaling {$240000.00} which was the payoff amount as of XX/XX/XXXX. 

On XX/XX/XXXX, I reviewed my loan on XXXX 's website, and determined that payments were not properly applied. I called XXXX 's customer service, and that the customer service representative told me that the issue should be resolved by XX/XX/XXXX. In addition, I had also sent an email to XXXX through their website. 

Per review of XXXX 's website on XX/XX/XXXX, XXXX only applied {$140000.00} to my mortgage and that I had a balance remaining of {$95000.00}. I called customer service again, and they said they had no records of the payments, and I asked that I send bank statements supporting the payments. I faxed over XXXX XXXX bank activity, and confirmation from XXXX XXXX that the 5 payments of {$240000.00} had been sent. XXXX 's representative told me that the issue should be resolved quickly. 

I reviewed my loan on XXXX 's website on XX/XX/XXXX, and the issue still had not been resolved. I again called customer service, and they again said they had no record of the payments. I elevated the issue to the supervisor and was directed to a voicemail. I left a voicemail, and have not been contacted.
Product: Credit reporting or other personal consumer reports

I disputed the debt with XXXX XXXX and XXXX with all XXXX  bureaus. I received my updated credit report and it looks like all of them say resolved. Yet, if you look at the screenshot I have attached here, they all have different information for who the creditor is, the status, the comments. They did not modify or update anything. It is not complete or accurate. I know a bunch of the information they're reporting is incorrect. Can you please look into this?
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXX XXXX : Submitted on XX/XX/2024, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/2024, following XXXX XXXX XXXX failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent. 
Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX has failed to meet this obligation. 
Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX does not have my written consent to share my information. 
Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX 's reporting services and sharing of my information. 
Conclusion : XXXX XXXX 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX to honor my rights and process my opt-out request as mandated by law.
Product: Credit reporting

I received a collection Notice in the mail from a company called " Resurgent Capital Services '' in XX/XX/XXXX. They are claiming I owe a debt of XXXX to a company called XXXX. They also have stated this account was opened on XX/XX/XXXX. I know nothing of this account and would have been only XXXX or XXXX at the time being my Date of Birth is XX/XX/XXXX. This is ruining my credit before I even start my life. XXXX has reported this account on my credit and now their collection company " Resurgent '' is now additionally reporting negatively also like I have two accounts negative. I informed " Resurgent '' in XX/XX/XXXX of my age and of this matter and they refuse to remove this and will not stop attempting to collect this Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried calling experian and disputed an incorrect amount owed on my credit report several times. I also called XXXX XXXX XXXX again with no results. XX/XX/XXXX and XX/XX/XXXX have the correct numbers from XX/XX/2016. 
The amount of XXXX is showing up on my credit report as delinquent from XX/XX/XXXX from experian. When I disputed this amount which should be XXXX, Experian kept the amount open and updated this amount. This resulted in my credit score reduced over 100 points. I have been careful with my credit and I dont know what else to do. I called a lawyer who told me to file a complaint with you since Experian does not have anyway of talking to a person. I am hoping that you can help me fix this horrible problem. My lawyer called XXXX XXXX XXXX and was told that the balance is XXXX so she told me that the problem lies with Experian only. I really need your help and have noone else to turn to. This closed account should be showing a XX/XX/XXXX balance on the experian credit report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that CAP ONE NA have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both CAP ONE NA and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible  purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and I didnt give permission for these companies to run my credit. I called and asked for signature disclosures for these companies. These companies couldnt provide me disclosures that I have to sign before running my credit for permission to run my credit. This is defamation of character as I already have a car and they keep running my credit for car approvals.
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 XXXXXXXX XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the XXXX days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, 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

I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No XXXX XXXX. Amount Owed {$170.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

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

Trans union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Trasunion has neither corrected nor removed. 
Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transuion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Debt collection

I already reached out to the credit bureaus and to XXXX XXXX XXXX  XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Checking or savings account

My cousin XXXX XXXX XXXX SS # XXXX ) passed away on XX/XX/XXXX ; I am the executor of her estate. Since that time I have been closing her accounts with various financial institutions. One of those institutions is Truist Bank. After several unsuccessful attempts to conclude her affairs with the bank in two different branch offices on XX/XX/XXXX, I submitted written documentation as directed to : Truist Bank Account Closure Exception Mail Code XXXX XXXX  XXXX XXXX XXXX FL XXXX As directed I submitted a copy of her Certificate of Death a Letter of Administration issued by the State Court of MD authorizing me to conduct this transaction a copy of my drivers license My submission went unanswered for more than a month! Since then I have been speaking repeatedly with Truist Bank representatives in an effort to close her accounts without success. I have received several reasons for the lack of progress none of which are satisfactory. Because I have been doing this for two years I am very familiar with this process but for some reason Truist Bank has failed to respond to my request in a timely manner. 

I most recently spoke with Truist Bank representatives today XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Balance {$89.00} XXXX XXXXXXXX XXXX XXXX {$79.00} XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to Equifax on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by Equifax on XXXX/XXXX/XXXX. I just received an email from Equifax today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
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 all violated my rights according to 15 u.s.c 1681 section 602 A
15 u.s.c 1681 section 604 A section 2
15 u.s.c 1681c.(a)(5)
15 u.s.c 1681s-2(A)(1)
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian and XXXX multiple times to correct the personal information they are reporting on me over 60 days ago. Both times I called and spoke with a representative. Both times the representatives stated they would delete the incorrect information. After reviewing my credit report I see the incorrect information is still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several fraudulent inquiries. These inquiries were not authorized by me, and I believe they were made as a result of identity theft or some other form of fraud. I am taking the necessary steps to resolve this issue and ensure my credit remains protected.
Product: Credit card

Paypal smart connect was impacted by fraud/unauthorized access. Previous complaint with consumer finance filed. No I longer have access/see my account online. I have ceased getting statements/have no record of the account or what the current balance is. 

The account is compromised, and I 'm not sure what portion of the balance on the account is even mine at this point. I 've been cut off from managing it and XXXX ( and its partner bank ) are non responsive. 

I need to know the status of this account and I need to make sure that any late status on this account is n't reported as my fault as I am currently unable to manage/access the account. 

Account number : LAST XXXX - XXXX ( Not really a credit card, but a line of credit linked to a XXXX account that ONLY works with a XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never opened an account with XXXX XXXX. Maybe it is identity theft I don't know. 

XXXX XXXX  XXXX CC COLLECTION/CHARGEOFFCredit Cards {$1700.00}