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

A big portion of my student loans were forgiven because of public service. XXXX XXXX and XXXX XXXX worth of debt is reporting on all of my credit reports and this needs to be removed immediately. I have reached out to the credit bureaus before. I am adding a copy of my PSLF forgiveness letter, SS, driver 's license and credit report. Once this has been removed this update me letting me know this has been updated.
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 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy Account : US BKPT CT AL XXXXXXXX 15 U.S.C 1681 Section 602A States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( my full social security Number was shared as well as other info. ) 15 U.S.C 1681S2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

For more than XXXX years I have had a Preferred Checking account with Wells Fargo with no fees if I keep {$500.00} or {$1000.00} in the account, however, suddenly Wells Fargo changed my account to a Premier Account where I have to keep {$250000.00} in the account to avoid a $ XXXX monthly fee. 

The same happened with my XXXX, which have their accounts linked with mine, as they are XXXX, XXXX, XXXX and XXXX XXXX XXXX. Where none had monthly fees, independently of the account balance, and now have a $ XXXX monthly fee for the XXXX and XXXX XXXX XXXX. 

It's totally unfair this unilateral approach from Wells Fargo, and it needs to be stopped.
Product: Credit reporting or other personal consumer reports

XXXX did a proper investigation and deleted XXXX XXXX XXXX XXXX loans and corrected my payment history on XXXX accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.
Product: Credit reporting or other personal consumer reports

Apple Card incorrectly reported a 30 day late payment for XX/XX/year>. They have made it impossible to make a payment as they have blocked my apple wallet, they closed my account for no reason, they have blocked my online access to make a payment, no automated system and hours long wait to speak to a representative. It is disgusting how they treat hard working people who are trying to get by, my credit just dropped XXXX points bc of them! I have a complaint going to the XXXX and Attorney General as well
Product: Credit reporting or other personal consumer reports

This afternoon, I saw unauthorized inquiries on my credit report and have no idea why. I just checked my credit report as I usually do, but there were sudden discrepancies. I tried refreshing my browser in case it was a glitch, but the unauthorized inquiries stayed. Because of this problem, I am asking that the documents I've sent be thoroughly checked to alleviate my worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Complaint For Filing a Lawsuit against TransUnion! There is a XXXXDay late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I was shopping on the XXXX store website and my personal email acocunt with all of my identifying information ( name, birthdate, license number, social security number, address, and more ) were fraudulently stolen by hacking into my perosnal email. My information was then used to obtain credit cards, utility bills, and several inquiries ( were made fordulently without my permission or knowledge. I have filed a police report as well a fraud report with the FTC. I would like for all these items to be deleted from my credit profile. Due to this my credit profile has been negatively impacted and I wish to have those items deleted. 

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am writing on my own behalf, there is no third party involved. On XX/XX/XXXX, I submitted an FTC report for numerous fraudulent and unverifiable accounts and inquiries on my credit report on Experian 's website. There were 7 inquiries that were apparent as fraudulent, including- XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX  / XX/XX/2022 XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 I wrote a letter to Experian, and sent them my FTC report including proof of identity on XX/XX/2022 that included all of the above inquiries that are fraudulent and unverifiable. The problem is their are still numerous fraudulent inquiries and credit accounts on my credit report that are drastically effecting my ability to operate in commerce. The following inquiries, Experian removed from my report : XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 XXXXXXXX XXXX XXXXXXXX/ XX/XX/2022 XXXX XXXX XXXX / XX/XX/2022 HOWEVER, the fraudulent inquiries : XXXXXXXX XXXX / XX/XX/2022 XXXX / XX/XX/2022, and XXXX XXXX XX/XX/2022 including the unverifiable debt amounts attached to these accounts are still furnished on my account. Not only did I never give the above companies permission to furnish my account, but these are debts claimed to be owed by me, are furnished on my report and are entirely fraudulent. Experian has yet to make the changes to my credit report as requested. Due to this identity theft allowed and perpetuated by Experian, I am violated. I still have not allowed XXXX nor XXXX furnish my report and post a credit account on my report. Numerous laws have been broken, and my rights have been violated as a federally protected consumer. Unfortunately this has disturbed my ability to operate soundly in commerce due to high revolving debt form these accounts, AND the numerous recent inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX   XXXX XXXX XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX the other one is a XXXX XXXX   dealer XXXX  opened in XXXX
Product: Checking or savings account

I have been a Bank of America customer for over 10 years. I lived in North Carolina at the time I opened the account, where there were numerous locations and always XXXX close by. Now, I live in XXXX, Michigan where the closest location is a XXXX XXXX XXXX. When I originally opened the account, it was a representative payee account for my son that received XXXX at the time. That son is now about to turn XXXX and hasn't received an XXXX payment in about 2 years. When his payments stopped, I tried contacting them and asking about sending in a copy of the determination letter from social security showing that he no longer receives benefits. They told me the only way they could make any changes to the account is to go in person. But like I stated, the closest location is XXXX minutes away. I also don't have a vehicle and ebike where I need to go for the most part. An XXXX ride would be outrageous and totally unaffordable for me. They refused to help at all and basically told me to deal with it unless I can go in. My son I was the payee for has recently moved out after not receiving benefits for 2 years, and I also had my name changed legally and need it changed on my bank account. I explained that I have no way in, no transportation to get so far away and asked if I could email or fax in the court order for my name change, my new ID, and the social security determination letter stating his benefits ended. Although I don't see why they'd even need that since there hasn't been a single XXXX deposit in all this time. I just need to get my account changed to not being a representative payee account, and to have my new legal name replace my old name. I'm happy to provide whatever necessary documents, I just don't have a way to XXXX of their locations and they refuse to try to work with me at all. I already have loads of financial issues with them ( such as adjusting the order of your transactions so you end up short and small amounts of money just disappearing with no history of a transaction ) that I will be addressing in due time. And as soon as my refund hits, I will be withdrawing it and opening an account elsewhere. I've complained about this kind of stuff to them numerous times and finally told them I'll be closing my account soon. I feel part of this is retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 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 from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XXXX
Product: Student loan

I graduated From XXXX in XXXX consolidated my private loan through XXXX XXXX at the time in XXXX and started Repayment in XXXX! the original balance was XXXX This is without the capitalized interest, I later found out about! As of XXXX I still owe XXXX XXXX XXXX years later. I have only made {$26000.00} dent in the loan, meaning I have only paid {$2800.00} per year on principle and the rest on XXXX! My rate have Gone From 9 % to 3.5 % and is still Variable! I pay anywhere from {$1300.00} a month to {$800.00}! Each payment they are putting 70 % toward my interest and 30 % toward my principle! I have payed over {$7000.00} in interest in any given year and can only write {$1500.00} of it off on tax exemptions!! I have called several times though out the last 9 years trying to figure out what I can do, how I can lock in a rate or anything! In XXXX after meeting all the requirements, I was trying to get my cosigner off my loan and found out they dispersed my payment to my federal loan and defaulted on my private and tried to make it my fault! They did not grant me the release of a cosigner because they said I did n't make the payments, WHICH I DID make all the payments and had to fight with them over the phone for months to get it taken care of and nothing went to collections. I recently noticed my payment had gone up and called to see what was happening and what I could do! I called customer service at NAVIENT XXXX XXXX XXXX and asked what were my options with this loan and what i could do! And the ANSWER WAS THEY DO NOT HAVE AN OPTION FOR ME! I HAVE NEVER DEFAULTED ON THIS OR ANY LOAN IN MY LIFE AND I MAKE MY PAYMENT EVERY MONTH! and they do not have an option for me? and are dispursing my money however they like to only benefit there company! ITS A STUDENT LOAN!!!!!!! There are so many loan forgiveness programs out there and I am not even asking for that! I am asking for them to be reasonable with my money and help me out rather than give me NO options! I can not even put it on hold, if I were to have something in my life to happen and need to! This is hindering my life, my childs life, our futures and all I want is them not work with me and give me options without having to not pay and deal with XXXX and Ruin my very amazing credit just to get them to negotiate! 
I have also requested all of my correspondence with them for the last 10 years, phone calls etc and they are having a hard time getting all that info!!! They have to keep a record and give me my files!
Product: Debt collection

I receive an alert from my XXXX credit report stating that a new collection from National Credit Adjusters had been added to my credit. I called National Credit Adjusters @ XXXX and spoke with XXXX XXXX did not give last name ). I inquired about the collection XXXX stated the original date of the collection in question was XXXX. I asked why was it reporting on my credit as of XX/XX/XXXX which is untrue. XXXX stated that the date that is used is the date that they purchase the account. I'm requesting it to be removed permanently from ALL 3 credit bureaus due to National Credit Adjusters violating the date of expiration by reporting the debt happened in XXXX when the actual date of the debt is XXXX.
Product: Credit reporting or other personal consumer reports

I am raising this complaint due to the presence of a collection account on my credit report that I do not recognize or associate with any legitimate debt. This account has been inaccurately attributed to me, and my efforts to have it removed through the credit bureau have yielded no meaningful results. Even though I have submitted supporting documents to verify the error and request removal, the credit bureau continues to list the account as valid without adequate proof. This situation has harmed my XXXX XXXX and financial well-being, and the lack of response from the credit bureau XXXX XXXX disappointing and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I XXXX XXXX XXXX have a right to the fair and accurate reporting of my credit information. 

In accordance with the Fair Credit Reporting act XXXX  Account # 's XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Account Info Reference Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the TransUnionXXXXExperian after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were accounts on my credit report which are misleading to me. I sent a letter to the Experian and TransUnion last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$9800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX my car was broken into at my apartment complex and my wallet along with credit cards and drivers license were stolen. My credit card was used that night and thankfully I was able to freeze the card and get a new one. I also got a new drivers license. I filed and received a police report. In XXXX of XXXX I pulled a credit report and saw there was an installment loan with XXXX XXXX XXXX. opened in my name back in XX/XX/XXXX ( per credit report ) in the amount of {$2000.00}. Upon speaking with XXXX, this account was used on XXXX XXXX  to purchase many car parts ( parts that are not for any car that I own, a XXXX XXXX ). I reported identity theft to my local police and received a police report. I reported identity theft with all 3 credit bureaus and filled a dispute with the loan company XXXX XXXX XXXX as well as with Experian. 

XXXX has concluded, as of XX/XX/XXXX, I was still responsible for payments even though I have no knowledge of this loan or who could have possibly opened it. I provided XXXX, XXXX with copies of both police reports, an Affidavit they made me fill out and a copy of newly issued drivers license. Still no luck. 

I have a credit report from XX/XX/XXXX which still does not show the loan with them which is why I was not able to catch the error until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with XXXX regarding inaccurate information being from World Acceptance Finance. The inaccuracies regards XXXX closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's XXXX reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with XXXX to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. XXXX needs to correct this issue or delete the accounts. World Acceptance also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did World Acceptance reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!
Product: Credit card or prepaid card

Hello, There are 3 issues with my account with Kohls credit card. 

1. the credit card was never activated. 

2. the card was used by accident by my mother who thought she was paying her card and missed a payment. 

3. this payment that was missed affected my credit report. 

I have fully payed all debt and asked them to remove this from my report as the card was never actually activated by me. I have not heard a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made an investigation with all major credit reporting companies about a Debt Buyer Company : XXXX XXXX XXXX which has no license as a debt collector in the XXXX of XXXX XXXX as per State Debt Collection Statutes and did not ERASE this debt collection information ; DECREE # XXXX LAW # XXXX of XX/XX/XXXX and Law # XXXX dated XX/XX/XXXX. 

Reporting companies are placing this information twice with the Original Creditor and also the non state compliance debt collector XXXX XXXXXXXX XXXX which has no license as a debt collector to the residents of the XXXX of XXXX XXXX THEY DO NOT MEET THE REQUIREMENT OF THE FEDERAL REPORTING CREDIT ACT