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

I have proof from XXXX, which was a previous loan servicer for my student loans, that shows ALL of my student loans they held were transferred to XXXX in XX/XX/2023. EXPERIAN, and ONLY Experian, are showing double the loan balance, because they are reporting that both XXXX  and XXXX hold my loans. Because of this error, which has been in place since XX/XX/2023, I can not get new credit, which I desparately need right now. Experian has also not updated several other accounts, which have been reported to them by my creditors as proven by statements from those creditors AND my XXXX and XXXX credit reports. Experian is killing my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Transunion 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 below DOE  XXXX XXXX Balance Owed : $ XXXX- DOE XXXXXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : $
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX  Inquiry : XXXX XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {XXXX} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

I dont believe the account reporting on my credit report is valid
Product: Debt collection

Around XXXXXXXX, I became aware of a account that was Fraudulently opened with XXXX XXXX via my credit report for a collection from Transworld Systems for the amount of {$340.00} I have called XXXX XXXX many times, and followed all instructions they have given me to get this debt collection removed. This month i was finally able to speak to a general customer service rep who informed me of all the details of the fraudulent account. See details of this fraudulent account below : - Fraudulent account # XXXX - Fraudulent Address : XXXX XXXX XXXX, XXXX Tx XXXX The main & only avenue they provided me to adress this was to email XXXX and provide them with the following : - Copies of two ( 2 ) types of utility bills or formal correspondence such as tax, employment or school documents in your name from different vendors/providers as proof of residency during the service dates under investigation - A notarized ID Theft Affidavit ( stating you are willing to press charges if necessary ) Copy of a full Police Report ( Please note that a report number will not be sufficient. We need a complete copy, obtained from the police department. ) - A legible copy of your Social Security Card - A valid government-issued photo identification card ( for example, your driver 's license, state-issued ID card or a passport ) I have done all those things, and have called back to their fraud department XXXX ... i have not received a response by email or not have been able to reach anyone at his point. 

I did not open any account with XXXX XXXX & feel at this point i am not getting any help to remove this fraud from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX This is inaccurate information on my credit report. They have this as a Charge-off ; however, it still has a balance on the account. Charge-off should not have a balance. Also, I should have received a 1099-C for this account which will make this a transaction that should not be placed my report per federal law. 

They also have the same account listed twice.
Product: Vehicle loan or lease

I've tried every method to resolve the issue with Toyota as far as paying off the loan and they refused to give me the contract
Product: Credit reporting or other personal consumer reports

In early XXXX several Dept of EdXXXX student loans began appearing on my credit report. I do not have, never have had, and have never applied for any student loans through any lender. I disputed the improper accounts with the Transunion credit bureau on XX/XX/year> and in early XXXX the credit bureau ruled in my favor and removed the fraudulent accounts from my credit report. In XX/XX/year>, the fraudulent accounts reappeared on my credit report.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I submitted a complaint questioning some fraudulent activities on my card to my direct deposit card company whose name is XXXX XXXX. They asked me to fill out a questionnaire and review several charges dating back to XXXX of XXXX. A XXXX review, I noticed several fraudulent activities that were not authorized by me. This paperwork was then copied and submitted to the direct express fraud service department in XXXX XXXX Texas. The paperwork was submitted on or about XX/XX/XXXX. There in, I Calculated that over {$1000.00} had been siphoned from my count. This paperwork was received by XXXX XXXX on or around XXXX of XXXX per a customer service supervisor in the fraud department which I spoke to on XX/XX/XXXX. At around XXXX XXXX. Pacific time. While speaking to this customer service rep, I was informed that this complaint had just recently been handed over to the fraud department again to be reassigned and I would not expect any resolution from this complaint until after they've completed their investigation. I informed the supervisor to whom I was speaking with, that this case has been pending since XXXX of XXXX and I did not wish to wait any longer to wait for response. I insisted that I got a response today. The customer service supervisor then told me that she could not give me a response or a final answer on this case until after the fraud department has finished their investigation and that can take however long they wish to take to give me this response. She would not give me any for their formation and did not give me anybody else to get in contact with in order to resolve this issue more quickly. As a matter of fact, she told me that there is nothing else that I can do or that she can do we just have to wait. I then informed her that I would reach record the call because I've been dealing with this for over 3 months and their paperwork says that I would have a response and and answer no less than 90 days. Obviously as been longer than 90 days. When the CSR supervisor heard me say that I was recording the call, she quickly inform me that she did not wan na be recorded and that I should call back whenever I was not recording any longer. She then hung up without saying anything further. I have since tried to call several times and could not get through and instead I'm transferred to a recorded message would says all lines are busy call back later. I have tried unsuccessfully since XXXX of XXXX to get a revolution for this problem. This company has been uncooperative will and refuses to give me any information or resolve this case in a timely manner. I would like for this company to reimburse me for the amount of monies which are missing and for the extended amount of time they have taken to reimburse the money is taken from my count fraudulently. They should also be held accountable for any overdrafts and financial issues stemming directly from this money 's missing out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity has been compromised, I reached out to the three major credit reporting agencies but still haven't found Resolution with the system. The three major credit bureaus are still reporting these unauthorized fraudulent accounts all without providing me with physical documentation as requested and required by the laws of the FCRA. My next course of action is to bring suit against these credit reporting agencies inwhom does no physical fact check but instead is relaying on an outdated system. I'm demanding that these accounts be blocked immediately. 

1 ] XXXX XXXX {$350.00} 2 ] XXXX XXXX {$680.00} 3 ] XXXX XXXX XXXX {$140.00} 4 ] XXXX XXXX XXXX {$30.00} 5 ] XXXX XXXX XXXX {$680.00} 6 ]  XXXX {$71.00} 7 ] XXXX XXXX CHXXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and disappointment regarding the ongoing presence of fraudulent items on my credit file. Despite my previous attempts to resolve this matter, these fraudulent items have not been removed, and my disputes have been consistently ignored. The continued presence of these fraudulent entries on my credit report is causing severe distress and has significantly impacted my financial standing. This situation is unacceptable and must be addressed immediately. I demand that you will help immediately escalate this matter and take all necessary steps to thoroughly investigate and remove the fraudulent items from my credit file without further delay. I also expect transparent communication regarding the progress made and the specific actions being taken to resolve these issues. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX XXXX XXXX : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$680.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} IL XXXX  XXXX Balance : {$2400.00} XXXX XXXX  XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$920.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX
Product: Credit card or prepaid card

Bank of America credit card. I an XXXX  for my XXXX + year old father. Found out by phone message on parents phone about fraudulent charges on XX/XX/XXXX. My father does not know. I called BoA, of course they refused to tell me anything. No BoA branches near me so I mailed it in with a statement to the address I was given in XXXX sent it priority. With tracking. BoA received it XX/XX/XXXX. Since then I have called several times per week, at first I was told that BOA has 10 business days to process the XXXX  which would have been XX/XX/XXXX. I called BoA on XXXX  XX/XX/XXXX the XXXX still has not been processed and I was on the phone for over an hour trying to get help. Now I am being told that they have 30 days to process the XXXX. Also last week when I called the fraud department, I told them I was making a complaint and I needed BOA routing number for the credit card account and the person on the phone asked his supervisor and then refused to give me the routing number.
Product: Mortgage

This is a continuation of previous claim. This is with regard to a HELOC that was granted to us on XX/XX/XXXX thru XXXX XXXX XXXX XXXX With your help I have been able to follow which companies have been involved inthe financing process of this loan. After XXXX XXXX granted this loan, it was turned over to HSBC. They serviced this loan from XX/XX/XXXX until XX/XX/XXXX, according to HSBC. However, from XX/XX/XXXX until XX/XX/XXXX, for four years, there was no correspondence from anyone with regard to payments being made or nt being made.. From some of the research that I have done, XXXX was involved in the serivcing of this loan. I was never notified by XXXX of any involvement in the collection of payments on this loan prior to being turned over to XXXX. No introduction to this company, no statements, no where to sent payments, on payment history, no record keeping furnished to me, no correspondence at all.
Product: Credit card or prepaid card

Purchase some open box merchandise from BestBuy. Merchandise was labeled as includes everything except the manual. When I got it home it was missing all of the mounting hardware. Attempted to return merchandise but I was informed they do not do returns on functioning items for missing parts. Parts that are missing are needed for installation though. When I returned to the store they had several other open boxes of the same items and I suggested they just pull the missing items from another one and relabel that one as missing items. They said they could not do that and that I could only bring back a non functioning device. It seemed like he was telling me to go home and break the item then return it but this seemed dishonest. I just wanted the mounting hardware. 

Filed a dispute with Citi Bank which had no activity for over two months. I called to complain and within a week was told the dispute was closed and I would have to refer to the store policy on returning merchandise. I provided the receipt that clearly showed that nothing but the manual was missing.
Product: Debt collection

I never agreed to the charges from a XXXX XXXX and i left the country. they took XXXX already without my permission. On XX/XX/2022 i called XXXX costumer service to tell inform them that i will be leaving the country for a month and have asked them to switch for the international service for calls they offer they told that that there will be a charge of {$10.00} daily for calls, which didnt work with my budget so i refused the offer and that was or should have been documented in their system. When i left the states XXXX started to send me text messages stating that they are charging me {$85.00} for using the data and then charges kept adding up even though i wasn't using the data. I didnt contact the company because i was still out of the states so I didnt want to get charged for contacting them. When i came back I received a bill in the mail of {$4300.00} and a withdrawal from my bank was made to them of {$1300.00}. I called them again to see why i was being charged and they have told me the amount was the total the data i was using overseas. My daughter called them again to see why I wasnt informed at the time when I called before leaving the states that i will get charged even if i used the data and their response was * he ( i ) he should know that although my daughter has told them that most companies let dont charge their customers for using data overseas and her company is one of t of them they still want me to pay the full amount which i was not informed at the time of my first call before leaving the states. Now it is with a collection that is on my report and ruining my credit and trying to collect money i don't feel i owe.
Product: Student loan

I have a private loan through Navient. I signed up for a payment reduction plan that would allow me to make my payments and keep me out of delinquency. Navient explained once I was approved they would start removing {$360.00} from my bank account on a monthly basis. I was not approved for this plan and they proceeded to take the money out of my account without notifying me *they never notified me that I was not approved and that they would be taking the money out ). I do not have access to my Navient online account as it has been frozen and I do not know where the money is going or what it is paying off. I still do n't know what plan I am on because they wo n't give me access to my account. Every time I call, the collection manager, " XXXX '' threatens to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, XXXX  & Equifax : Thank you for sending me your internal records of the debt XXXX XXXX XXXX XXXX XXXX Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from EQUIFAX AND XXXX including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that Best Buy violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. XXXX XXXX XXXX XXXX Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a collection added to my credit file from XXXX XXXX. It was placed with Experian today XX/XX/2020 and with XXXX  and XXXX  last week. I dont have any business with this collection agency nor the original creditor. This is a bogus collection account that does not belong to me. I disputed with XXXX  which it was removed. Ive tried disputing with XXXX and Experian and I keep getting an error message. XXXX  will not let me get thru the phone line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report