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

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. 
I have already contacted the FTC and local police to file a report. These items need to be deleted from my credit report. XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX/XXXX, XXXX XXXX, XXXX XXXX , UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX and these inquiries are not mine either. 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: Credit reporting or other personal consumer reports

I have review a copy of my credit report and i have found UNAUTHORIZED Credit inquiries and collections on my report. Please remove this UNAUTHORIZED inquiries and collection from my credit report.These were not obtained with my consent and they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Amount : {$1400.00}
Product: Student loan

I 've been working with XXXX XXXX XXXX, XXXX. since XXXX XXXX, paying them {$100.00} each month in order to have my debts with XXXX XXXX and XXXX University " settled '' or " dismissed ''. I began receiving calls from Navient in XX/XX/XXXX/XX/XX/XXXX saying that they had taken over my account from XXXX XXXX and needed to speak with me regarding my accounts. Having been informed by XXXX not to speak to any of the companies regarding my debts, but to refer them to XXXX, I attempted to contact XXXX to resolve the issue. I did n't hear back from XXXX either in XX/XX/XXXX or XX/XX/XXXX despite continued efforts on my part, calling into the office, leaving voicemails, being disconnected when the representative said they were transferring me to an account specialist. In speaking with Navient to try to help with the communication between the XXXX companies I learned that Navient was willing to try to discuss a settlement offer, and left voicemails with XXXX letting them know. I also gave Navient XXXX 's contact information, but was informed later on that XXXX was not getting back to them. 
In XXXX XXXX I placed a stop playment on my account to prevent XXXX from withdrawing the XXXX under their XXXX XXXX XXXX automatic payment. Once the stop payment was placed, XXXX once against starting contacting me, saying that they were working on my account, had only been authorized under our agreement to work with XXXX XXXX directly ( not Navient ), and would bring my account current and continue work to resolve my student loan debt, requesting that I release the stop payment. Due to financial difficulties I chose not to release the stop payment and was surprised to see that they had successfully withdrawn two payments ( one being a back payment ) of the {$100.00} a couple weeks later ( in XXXX XXXX ) by drafting checks payable to XXXX. I issued a second stop payment in XXXX XXXX only for them to once again change their method, this time drafting a check payable to XXXX XXXX XXXX. 
I have recently been contacted by XXXX XXXX XXXX, XXXX saying that they are now working with XXXX and taking over several of their accounts. I did a little research and was disturbed to find out that XXXX uses the same services and companies to withdraw money from their clients accounts. I also called Navient and found out that my account has now been placed in collections with a separate legal group who were completely unaware of my working with XXXX. I have not signed any agreement with XXXX and based on my research do n't plan to. 
I also worked with XXXX XXXX XXXX to resolve my federal loans through XXXX XXXX between XX/XX/XXXX and XXXX XXXX, paying them {$140.00} each month only to be told in my last conversation with OMP ( XXXX/XXXX/XXXX ) that those loans may still be outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX in XX/XX/XXXX, and HDFS was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.
Product: Student loan

I have been making payments that qualify for Public Service Loan Forgiveness on time and in full every month since XX/XX/XXXX. However, I was recently informed that as of XX/XX/XXXX only approximately 30 of my payments qualify. 

Over the years, on several occasions I requested that FedLoan Servicing recalculate my qualifying payments and provide me with an explanation for any payments it considers not to qualify. However, to date FedLoan Servicing has provided no such explanation and the miscalculation remains. 

Every month since XX/XX/XXXX should be counted as qualifying for Public Service Loan Forgiveness. Thus, as of XX/XX/XXXX for each of my loans I should have about 69 qualifying payments. 

Note that according to the FAQ linked below qualifying payments should include months in which multiple partial payments were made to total the full amount due, as well as months in which my scheduled monthly payment was {$0.00} based upon my income. https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an alert via my Experian XXXX App stating that I have an account in the state of XXXX with XXXX XXXX XXXX that has been open and active since XXXX ( I  would have been XXXX years old at the time and living in XXXX  or XXXX ). 

I contacted XXXX XXXX XXXX Fraud Department and they performed an inquiry, which came back as showing I have ZERO financial relationship with any form of dba, XXXX  XXXX XXXX. Which is exactly what I expected. 

Concurrently, Experian ran an " investigation '', which came back as being confirmed by XXXX  XXXX XXXX that the account belongs to me. If that were even possible, that would mean that I've had another active ( monthly payments ) account in a state in which I've never resided for the past 29 years! 

This is completely absurd. And there is no way to get a hold of a live representative at Experian since everything is automated. And the " system '' apparently inputs bad data and spits out errant results.
Product: Credit reporting or other personal consumer reports

I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. I item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I have contacted the creditors numerous amounts of time and still have not seen a change to my report. I am asking that this information is deleted immediately considering it has been very hard getting approved for a female to to even take my daughter where need be. I reported the theft of my identity to the Federal Trade Commission and also have enclosed a copy of The Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a debt on my credit file that I do not owe. This debt is really old. I have checked with my Attorney General for the state of Louisiana and this debt is way past the statue. Not only is it past the statue of limitations in Louisiana but under the FCRA guidelines this debt is also past the credit reporting limit. This debt is violating my rights under the FCRA and needs to be removed.
Product: Credit card or prepaid card

A huge annual fee of {$250.00} was charge for a credit card I do not use and they refused to refund when canceling card.
Product: Debt collection

On XXXX XXXX XXXXXX/XX/year>, I emailed XXXX XXXX with Debt Recovery Resources ( Davis and Jones ) a request to put one of my existing customers that is in bad standing with us, in collections. When I emailed them, I sent over the invoices that are past due along with the proofs of deliveries and other supporting documents. We are a trucking company so the documents and invoices have the shipper and the receiver and the commodity written on them. 

XXXX XXXX said that he worked a new position within the company but that he would be sending my account to XXXX XXXX. He sent my account to XXXX and XXXX sent me the collections contract where I put the creditor XXXX XXXX XXXX ( XXXX ) information and signed off on it at an 18 % contingency rate. 

Today, XXXX three of my customers told us that they were contacted by Davis and Jones ( Debt Recovery Resources ) to collect the debt that is owed to us by the customer ( XXXX  ) that is in arrears with our company. None of these companies owe money to us and are in fact our customers and are in good standing with us. We have great business relationships with them and now our relationships with them are being harmed because Debt Recovery Resources ( Davis and Jones ) is trying to collect a debt from them that they dont own and that we never asked them to collect from the companies that are being contacted. 

I contacted XXXX and told him about this issue and hes working on it. I also contacted XXXX XXXX and tried to cancel my account because now they are negatively impacting our business with our existing customers that are in good standing with us. They wont let me cancel our account without paying them the contingency fee of 18 % even though they are conducting unfair collections practices by seeking to have a debt paid by companies that dont own the debt. I also have been in contact by email with XXXX XXXX at Davis and Jones about this as well. 

I have an email from a customer that Davis and Jones ( Debt Recovery Resources ) sent to them trying to collect the debt from them and you can see that the invoice doesnt even belong to them and that it belongs to XXXX XXXX They are clearly trying to collect a debt from anyone listed on any of the supporting delivery documents even though they arent the debtor that I put in collections. Its clear on the invoices and on the contract that I signed who the debtor is. 

From what I know about collections agencies, its illegal for them to try to collect a debt from someone who isnt the debtor yet theyve contacted at least three of my customers today to try and collect the debt owned by XXXX and none of them are the debtor ( XXXX ). I need recourse please.
Product: Credit card or prepaid card

Opened a fraudulent case with bank of America and after sitting on it for 3 months decided they were our charges and I submitted paperwork from XXXX stating these order don't exist or anything shipped to my house with the order numbers provided they said the verified with XXXX which was a lie as XXXX won't give any info to them without my knowledge and they tried to say they traced it to my ip address and I run a ip vanish program
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed a credit card that I have never owned. It came out in my credit report.I filed a complaint and dispute. Discoverd it was a third party credit card.and the names that came out on this card. Have never known or heard of these name these people.. I contacted XXXX XXXX and they told me to file a 2nd dispute.. But the company keeps insisting its my card.. Its being used fraudulently. Because this is not my card.This card does not belong to me. It was opened in XXXX and just recently came out on my report. I do not own this card have never applied for this card for this card.
Product: Debt collection

I'm not familiar with this company. I don't recall conducting any business with said company.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud
Product: Student loan

Navient student loans calls me 3 and 4 times a day after being asked not to call. I made payment arrangements for XX/XX/XXXX for the XXXX pmt. They have called at least 2 times a day XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX- I work for a mortgage company and I know they are in violation of the Fair debt collections laws, FDCPA, and CFPB laws. I see where they were fined in XXXX they need to be investigated again, the customer service reps are rude and threating with statements like we can call you up to 8 times a day, you don't have an arrangement until you set up a post dated check. If you pay your bill on time we will not call you. I am due for the XXXX payment. Please investigate them.
Product: Credit reporting or other personal consumer reports

I trust this message reaches you amidst your responsibilities. It is with profound dismay that I write to bring to your attention the distressing findings of my recent investigation into my credit report, courtesy of your agency. 

Upon careful scrutiny, I have unearthed unverifiable, invalidated, inaccurate, and questionable items that your agency has negligently failed to ensure were reported with 100 % accuracy. This discovery has not only inflicted severe emotional distress upon me but has also highlighted a blatant disregard for the regulations outlined in the Fair Credit Reporting Act. 

As you are undoubtedly aware, the Fair Credit Reporting Act mandates a 100 % accuracy standard for all information on credit reports. Regrettably, the accounts in question, as identified under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), are in clear violation of this federal statute. 

Attached herewith are copies of all previous correspondences sent in a futile attempt to rectify these glaring inaccuracies. 

I demand immediate action to rectify these violations and ensure the accurate reporting of my credit information. Failure to comply will leave me with no alternative but to pursue all available legal avenues to protect my rights. 

I anticipate your swift response outlining the concrete steps being taken to address and correct these inaccuracies within the next 10 days. 

Thank you for your urgent attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX  New Inquiries on my credit report ( Experian, XXXX ) that are fraudulent. The companies making the inquiries are XXXX ( XXXX  times ), XXXX XXXX, and XXXXXXXX XXXX  XXXX. The fraudulent inquiries were made XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Allstate Credit Bureau false impersonated my identity to XXXX Credit Bureau. There company falsely obtained my credit information by misrepresentation of themselves. They stated to the credit bureau I tried to obtain credit from there company which resulted in a hard inquiry being place in my credit report. 

I never tried to obtain credit from Allstate Credit Bureau nor did I give them authorization to run my credit. 

The debt they are claiming I owe is a result of identity fraud.
Product: Debt collection

ConServe on behalf of U.S. Dept of Treasury and VA sent me a wage garnishment for repayment of my G.I.Bill for classes I dropped. They said they would keep taking XXXX % out of my paycheck until a stop payment is received. I owed {$770.00} the collection agency instead garnished {$1000.00} out of my wages. Which means there was an overpayment of {$240.00}. I 've called ConServe and U.S. Dept of Treasury and VA and neither agencies can tell me where the money is and it has been 55 days now since the debt was paid. I do n't know what else to do because I served my country for 4 years to get my GI BIll, and I 'm being punished like this, I go to work everyday and I 'm being put further and further in debt because of this. How can I pay other debts if this agency is taking more money than owed on that specific court ordered garnishment? I have not received any documentation stating the debt was paid nor have I received anything telling me what they did with the overpayment, whether it was applied to another debt or whether it would be sent back to me.
Product: Debt collection

LVNV Funding LLC sent me papers with a Writ of Garnishment. They attached court papers with XXXX XXXX XXXX, XXXX as the plaintiffs from 2010. I do n't owe any of these companies and was never served any court papers. I do n't make a lot of money and barely make ends meet with my bills. I take care of my retired XXXX year old mother. Garnishing XXXX % of my paycheck will break me. 

I would be grateful if you guys can get these people to stop harassing me. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting Experian Credit Reporting agency for having to notify them once again, of already reported Fraud that has been committed using my Credit Profile. The agency has not taken the proper action in resolving my issue appropriately according to my situation and circumstances and it has caused me great distress. 

XXXX Account Number : XXXX It's their responsibility to uphold their Law and the consumers right, and depiction of character to remove any fraudulent, unauthorized, invalidated accounts from my profile that can cause potential distress to a consumer. 

Due to XXXX 's data breach/Identity theft along with many others that I am aware of through my Credit and XXXX XXXX XXXX  that I pay for, I'm not sure when my information could have been compromised. But all accounts are being investigated by the FTC. According to FCRA 605B This information must be blocked immediately until the investigation over.

Not only has my FTC report been suffice to resolve this issue but in accordance with the Fair Credit Reporting act XXXX, this same account has also violated my rights. Along with Experian blatantly violating my rights as well, which Im sure as a credit reporting agency they're aware of.

According to 15 U.S.C 1681A Section ( 2 ) A.i : Late payments are transactions, and transactions are excluded from a consumer report. Which Experianclearly violates because there are also late payments on this account that are being reported to my consumer report. 
Followed by 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Its clear that your investigation into this matter has been insufficient to my claims, and dismissive of the laws that you are supposed to be following.

Below I have attatched My FTC report, Letters that I've sent in, and all supporting documents as well.

Im appreciative of the services that you guys provide to hold these bureaus accountable for their actions, and uplifting the law that has governed the consumers.
Product: Debt collection

On XX/XX/XXXX I received a notification that an account was added to my consumer report. I noticed it was from XXXX XXXX XXXX. An account that was removed from my report in XXXX. I reached out to XXXX XXXX and explained to him that this account had already been removed. He said there was nothing he could do they reached out and asked for info concerning identity theft and never received anything back. 
The identity theft form came attached with a cover letter clearly stating that it was not blocked in error, along with an identity theft affidavit. They have everything they needed to remove the account, but are now playing games.
Product: Credit reporting or other personal consumer reports

Theres a address on my credit report I never live at this address before.am Im really curious and feel really insecure about my credit report because they have been making a lot of mistakes so am not sure what is right or wrong on my credit report
Product: Money transfer, virtual currency, or money service

Ingo money is a check cashing service that is partnered and linked to my prepaid XXXX. Ingo money has denied all services to me directly to use thier services. I have done nothing to cause ingo money to deny any checks I present. I have never once presented a invalid or bad check to ingo money. I have not had any suspicious activity with ingo money or XXXX XXXX. 

I tried to speak with ingo money regarding this decision. They have no reason given why they are discriminating me as a customer. I was promised a promo code when I use thier services. I did not recieve the perk from the promo code because I was denied the service.