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

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was never informed that an account was open or closed also I never open an account with them. They put a fraud notice on my credit report for XXXX usd
Product: Credit reporting 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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION XXXX XXXX XXXX XXXX XXXX 1. XXXX of XXXX received notice from XXXX XXXX XXXX renewal for XX/XX/XXXX would not be offered. The reason given, I had a report on file from XXXX XXXX XXXX indicating I was deceased, thus rendering my credit rating to zero. 
2. I contacted XXXX XXXX XXXX and they proceeded to correct the issue and notified Trans Union in writing ( XX/XX/XXXX ) that the file error with XXXX XXXX was in error and advised Trans Union the issue was resolved and this error should no longer affect my ratings. 
3. In the meantime XXXX XXXX XXXX agreed to renew my policy for the term XXXX. 
4. Once again to my horror XXXX XXXX XXXX sent a nonrenewal notice on XX/XX/XXXX, indicating they could not renew my policy because my credit score was again XXXX because the file still indicated I was deceased. 
5. Again I had to call XXXX XXXX XXXX but to my extreme disappointment, they indicated that their correspondence of XX/XX/XXXX, had been received by Trans Union and because these were car payments Trans union received 12 reports from XXXX XXXX indicating a perfect record, not one missed payment. 
6. Trans Union FAILED TO REMOVE THE DECEASED NOTICE XXXX XXXX from my record, thus producing the XXXX credit rating month after month in the calendar year of XXXX. 
7. To make matters worse I purchased from Transunion a monthly reporting monitoring at {$19.00}. a month. Ha, so much for that!, spent over {$160.00} to have my insurer deny me coverage because of a poor credit rating, because of Trans Unions incompetence.and omission to properly document my file, and voiding the resultant damage. 
8. I want an apology in writing from Trans Union and years free correct monitoring of my credit file. 
I turned to Trans Union to protect me, instead they XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the Creditor and also contacted Equifax to perform a thorough investigation into this matter. I have notified this creditor that I dispute this alleged account. The creditor sent me a letter and stated that per my request the account would be ceased but this account is still currently reporting to my Equifax report. It was deleted and then reinserted again, which is a violation per the letter that was received. Please remove from my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen. 

Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score? 

Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices! 

I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.
Product: Student loan

I have a Health Professions Student Loan ( HPSL ) with XXXX XXXXXXXX XXXX ( UAS ) as the loan servicer. 

I work as a XXXX provider at a XXXX XXXX XXXX XXXX serving low-income and underserved populations. When the COVID-19 pandemic disrupted and halted XXXX XXXX I along with many colleagues were forced to reduce our hours and consequently income. According to the Department of Health and Human Services ( HHS ) and the CARES Act, which was initially passed on XX/XX/XXXX and has now been extended until XX/XX/XXXX, monthly payments and interests for federally associated student loans, including HPSL, are suspended. 

During the permissible time period, my HPSL servicer XXXX XXXXXXXX XXXX failed to comply with the provisions under the CARES Act. UAS continued to charge monthly payments. Furthermore, they continued to assess interests on a monthly basis as well as various fees ( please see attached statements of the most recent four months from XX/XX/XXXX to XX/XX/XXXX as examples XXXX. The largest fee {$8300.00} is incurred as a result of the collections agency XXXX XXXX. 

The most egregious action is that XXXX sent my HPSL to the collections agency XXXX XXXX in XX/XX/XXXX. I did not receive any communication from XXXX prior to this action being taken. In fact, I was only made aware that this had happened when the collections agency called me on XX/XX/XXXX to ask for payment. XXXX XXXX requested payment of the loan amount of {$37000.00} XXXX including fees and interest ) to be paid in full by XX/XX/XXXX. Understandably, this is not feasible financially. 

As a result of XXXX 's non-compliance with the CARES Act, I have suffered mental and emotional stress of the negative impact of this financial damage. The interests and fees my loan incurred during this time period are substantial, making my new total balance ( {$37000.00} ) almost equal to the original loan balance ( {$40000.00} ). I feel like I have to repay this loan all over again and will not be able to make any progress in my financial situation. 

I do not deny the loan and intend to fulfill my obligation to pay it. However, I am simply requesting UAS and XXXX XXXX to remedy the situation by : 1 ) retroactively removing all charges, including all interests and fees, incurred since XX/XX/XXXX as provided by the CARES Act 2 ) taking my loan out of the collections agency and into standard repayment status afforded by the CARES Act 3 ) ceasing any and all activities that may damage my credit score, including reporting to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft and have been in contact with Experian for the past couple years regarding my credit report. Before I get into the fraud accounts in my credit report, I would like to state that I placed a security freeze on my report a while ago and Experian let " XXXX XXXX XXXX '' XX/XX/XXXX, hard inquire on my report when I it was supposed to been frozen and I did not lift it or ask it to be lifted. That is an improper sharing of my credit report without my permission an is a major breach on Experian 's part, they need to investigate how this happened, make sure my information was not comprised with this and remove this inquiry on the report. 

There are fraud items on my report that are negatively impacting my ability to get credit or even rent a apartment or house. I did not authorize this accounts and have sent countless letters to the creditors which told me to dispute it with the credit bureaus. Experian stated that the reason there not removing this creditors from my report is because the creditors they say provided that those accounts are associated with name, date of birth and social security number, but what I keep telling Experian and the creditors is that was because of ID Theft, they have my personal information but I did not open those accounts. I sent police report, returned back affidavits and it's still on my report. 

- XXXX XXXX XXXX, XXXXXXXXXXXXXX,XX/XX/XXXX.

- XXXX  XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

- XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX - XXXX XXXX   XXXX, XXXXXXXXXXXXX, XX/XX/XXXX.

-XXXX XXXX   XXXX, XXXXXXXXXXXXXXX, XX/XX/XXXX, Note : this is just been added to my report this week and is not mine.
Product: Checking or savings account

I went to BoA with POA papers that state I am the POA for my husband. 
My need was to withdraw from his account. I need money to private pay for XXXX XXXX for him in a XXXXXXXX XXXX. 
The bank rep I spoke to said he had to take my request to a review team. 
The review team rejected my request and the bank rep said it had to escalated to higher review team. 
This all occurred on XX/XX/2023. 
The next day, XX/XX/, I returned to the bank with medical records to confirm my husband 's need for a POA to handle his banking affairs. 
He has a diagnosis of onset XXXX and other multiple issues. I also provided the bank a current medication list that has him on end of life meds. 
On XX/XX/ I called the bank to find out the status of my request. 
A rep said my request is still under review and would take at least a week before I would know anything. 
My husband will need to enter a XXXXXXXX XXXX in the next few days. 
At this point I will need to draw from money for my daily expenses because the bank is sitting on his money. 
The bank rep knows my predicament. I believe it is reprehensible for this bank to continue withholding my husbands funds from me. Their concern over potential fraud has overtaken their reasonableness. They are treating customers like criminals. 
I want my husbands money released to me ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to Equifax, XXXX and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a collection account on my credit report for {$2700.00} from Jefferson Capital Sy that doesn't belong to me.
Product: Credit reporting or other personal consumer reports

This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. Ally case # XXXX XXXX XXXX XXXX- XXXX, MNPhone ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.
Product: Vehicle loan or lease

I want this account off my credit report i never owned the vehicle and it is holding me back from actually getting car loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX HAS ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE. 


US DEPT OF ED/XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX   XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX -- NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX -- - NOT MINE
Product: Credit reporting or other personal consumer reports

I applied for a mortgage loan and lender ran my credit and stated I had late child support payments dated XX/XX/year> and XX/XX/year> XX/XX/year> and XX/XX/year> but I was not late on payments and my payment records shows I was on time and child support is taking out automatically on my check stubs. Having late payments on my. Credit report harnesses my chances to approved for a conventional loans. If I can have these issues fixed to show that I was not late that would he greatly appreciated
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX under the account # XXXX opened on XX/XX/XXXX with a balance owed of {$13000.00} also Waypoint under the account # XXXX opened on XX/XX/XXXX and several Auto inquiries at XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c " If a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector is legally obligated to cease all further communication with the consumer regarding that debt ''. 

ACCOUNT : USAA FEDERAL SAVINGS B - XXXX ACCOUNT : USAA FEDERAL SAVINGS B - XXXX
Product: Student loan

I submitted a XXXX  employment certification form on XX/XX/2022 to Mohela. Recently, the status of the document changed from processing to " duplicate form '', yet my eligible XXXX  count was not updated to reflect the months that would have been covered through the form. I received no notice from Mohela about why that was so I had to contact them only to be told that the application was actually denied and not a " duplicate '' because the signature used was electronic and not hand written. I work XXXX  and so does my employer, so obtaining a hand written signature is both logistically complicated and tedious. My previous loan servicer had no such requirement nor does Mohela communicate this requirement outright to borrowers when filling out the form. This seems to be purposefully complicating the process and Mohela should be practicing the same standards as other loan services, otherwise, they are purposefully making it so borrowers are less able to obtain forgiveness.
Product: Debt collection

This " TrueAccord '' debt collection services prior to this incident I'm going to outline has contacted contacted me before and I'm not too sure how. 
Essentially, my car loan was in the air as it's no longer on my credit report. However, this debt agency had messaged me with a " 95 % '' off to resolve my debt, so to go from $ XXXX to {$790.00}. Obviously no one in their mind would do that so it was calculated. Nor do I know how they were able to obtain my information or how they knew of the circumstances before and during this. 
As well as, when I had initially clicked the link to view it about XXXX minutes after the fact, the same person representing this company resent another email. I'm not too sure if clicking on it triggered them to send another one but it was sent shortly after just viewing the image.
Product: Checking or savings account

I had my Robinhood brokerage account restricted on XX/XX/year> which resulted in my account closure on XX/XX/year> due to unnamed " Customer Agreement Violations '', as a result of my account closure I have to move my IRA either to another brokerage account for a {$100.00} fee or I have to take it back into my bank account for a 10 % tax penalty and lose the 3 % IRA offered by Robinhood. 

During the process of providing the documents, they attempted to close my account by moving the deadline to provide the documents, leading me to believe this is done on a regular basis to multiple consumers. 

The reason my account was closed was due to " fraudulent activities '' which Robinhood could not provide evidence for, I gave them all necessary documents to prove my identity and they still chose to close my account for no reason provided other than fraud which was disproven by the personal documents, facial scans, and IDs I sent them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union, XXXX and XXXX refused to update my credit profile and send me a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with SYNCB/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/XXXX with no successful resolution. XXXX, XXXX, XXXX   only reporting me 30-day late payment. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

My credit card was charged to an ATM withdrawal that was not made by or authorized by me. I contacted Citi Cards within minutes of the fraud and the card was canceled and the fraudulent transaction was acknowledged. Citi Cards has since investigated the {$2700.00}. ATM withdrawal, and the {$130.00}. transaction fee, and the {$31.00}. interest fee for this XX/XX/2020 transaction supposedly in XXXX ( told to me by Citi ). Citi has since sent me a letter saying that I made the transaction ( traveled to XXXX from Texas ) and I was therefore libel for the money. I have repeatedly told Citi that I did not have any part or knowledge of this transaction and that the entire event was fraud. They Citi requested a letter from me to this effect and I complied. I have since contacted Citi Cards and they repeat that they have closed the investigation and will not reopen.
Product: Checking or savings account

NFCU continue to process charges, charging me late fees and then transferring the funds from my credit card or line of credit to pay for late fees and the charges.
Product: Debt collection

Dispute letters were sent to the following companies on XX/XX/2023 XXXX, Experian, and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.