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

Ive been trying to resolve an error on one of the credit account on my credit report for over a year now. my XXXX account has been falsely showing that it was charged off. This account was never charged off and I actually paid this account in full on time. Ive disputes with XXXX and they responded to me by saying they are not reporting my account as charge off and that this is an error made by the credit bureaus. Ive disputed with XXXX, Equifax, and XXXX and they all refuse to update the account to the correct status. This account is still to this present day causing my score to drop and I need this fixed asap. Its incorrect and has contributed to the difficulties of getting approved by any lenders for any type of financial loans.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # 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 XXXXXX/XX/XXXX
Product: Debt collection

My truck was repossessed. XX/XX/XXXX. In an attempt to pay and settle debt, I called XX/XX/XXXX and spoke to XXXX. At that time she offered me a settlement of {$3900.00} out of an balance of {$9000.00}. She said that they would not remove it from my credit but will update to a {$0.00} balance. At the end of the conversation XXXX XXXX I thought ) told me to call back when I had {$3000.00}. I told her it would take me a couple of months and I would call back. I call back XX/XX/XXXX and spoke to XXXX. XXXX said that the settlement amount was {$3900.00}. I was then transferred to about 4 different reps that kept telling me that the notes said {$3900.00}. I requested to speak to XXXX and sh said her notes said {$3900.00}. I asked for the recorded to be listened to and she hung up in my face. I called back and spoke to XXXX a supervisor and she listened to the call and stated to me that she HEARD ON THE RECORDING XXXX say {$3200.00}. asked not to be contacted by XXXX any longer because she hung up in my face. XXXX said she would sumbit a request for the {$3200.00} as a settlement and they would get back to me. XX/XX/XXXX XXXX called me ( after I requested her not to contact me XXXX and said the counter offer was {$3800.00}. I thought it was a joke and cant figure out why she was calling me after I specifically asked XXXX the supervisor not to have her call me. Also according to XXXX, there were also a few payments made over the account over the years which were not made by me. She was not able to tell me when the payments came from. This was a slick way of keeping this item on my account longer. Since a payment was " made '' it starts the 7 years over. I am a single mom of XXXX and due to XXXX, I haven't worked in months and since contacting them in XXXX, they are now reporting late payments each month on my credit which is hurting me. After reading all of the reviews on the XXXX and seeing how they lost their accreditation XX/XX/XXXX, I can see why they treat people any type of way.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$18000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 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 # ( private case number ) 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: Student loan

After making XXXX qualifying payment I submitted my final XXXX application on XX/XX/XXXX. After waiting the estimated 90 days for application review, my account ended up being placed back into repayment status. I have called numerous times and my calls have been deflected when they claim to be " escalating the matter to a supervisor by transferring me ''. I also have not been provided contact information within XXXX calendar days for the representative handling my account request, as per IL XXXX XXXX XXXX Rights XXXX. My account currently shows as back in repayment and past due as of XX/XX/XXXX. 

In addition to this complaint, I have also reached out to Ombudsman for help now.
Product: Credit reporting

TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX MEDICAL ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} AUTO {$8200.00} XXXX {$320.00} {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acc # XXXX J XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  SELF-REPORTED Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX UTILITY SELF-REPORTED Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in XXXX, XXXX, XXXX, and XXXX, XXXX. But I never live in XXXX and XXXX I never live on address : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my XXXX Credit Report for XXXX XXXX which I did not request or authorize. I have contact XXXX via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND I HAVE REACHED OUT TO CB 'S MANY TIMES FOR HELP WITH THIS ISSUE AND THEY REFUSE TO INVESTIGATE PROPERLY EVEN WITH PROOF OF IDENTITY THEFT AND ALL THE OTHER INFORMATION I PROVIDED.
Product: Student loan

After working for the XXXX XXXX for a number of years and making payments toward my federal student loans under PSLF, I decided to go back to school part time and get a XXXX XXXX. After I went through the financial aid process and started classes in the fall XXXX term, I called and spoke with FedLoan Servicing who advised me that it was categorically not possible to continue to make qualifying payments under PSLF while I was enrolled in XXXX XXXX. I continued to work full time for the XXXX XXXX  while going to XXXX XXXX for another four years. I did not make payments during this time and instead put my loans into forbearance where it accrued a considerable amount of interest. I now have {$470000.00} in student loans ( {$63000.00} of which is interest ) and am trying to plan my career and life around how to repay that. I have since learned that I actually could have made PSLF-qualifying payments while in law school -- this means I lost nearly four years in qualifying payments. In addition, the payments that I made under PSLF while I was working for the federal government before law school do not appear in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' feature on FedLoan Servicing. When I've reached out to FedLoan Servicing they weren't able to help. I should have kept records of every payment and notes of every conversation -- but it didn't occur to me that in such a major transaction, the financial institution wouldn't keep my payment records or would give me incorrect information about something so critically important. I worked for the XXXX XXXX for seven and a half years -- from XX/XX/XXXX to XX/XX/XXXX -- but I am looking at starting over with a completely blank slate. Is there anything I can do to avoid this outcome?
Product: Credit reporting or other personal consumer reports

Hello I have contacting the credit bureaus multiple times to update my address
Product: Debt collection

Unknown debt on my credit report I do not know where the debt came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I decided that I wanted to review my credit due to my interest in purchasing a home within the next 2 years. After carefully reviewing my credit report I saw a lot of things that I have no acknowledgment of. Someone stole my social security number and opened accounts in my name. There were even address from Georgia and Ive never even been in that state before.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I started an application with Care Credit XXXX Synchrony Bank. On their website it says that the beginning of the process IS NOT a credit application and the application is to see if I pre-qualify. 

I went 1/2 way through the application process and then quit, thinking I could pick the process back up. 

I could not. I called and was told that my credit was run with XXXX XXXX and that my application was declined, but they could not tell me why. 

Their website specifically said that my credit would not be run, and now I can not apply with their organization for a loan. 

This is misrepresentation of how they are handling credit, and I believe that there are lending regulations regarding proper disclosure of if your credit is being run for a credit card. ( Card Act ) I have a screenshot showing their website specifically states that the request is NOT a credit application.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the XXXX, FCRA, XXXX, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  accounts 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  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 section 2 it also states that a consumer agency can not furnish an account without my permissions or consent
Product: Credit reporting or other personal consumer reports

XXXX Subject : Formal Dispute, Demand for Method of Verification, and Cease-and-Desist Notice To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following accounts reported on my XXXX credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation, the method of verification, and a detailed description of the procedure used to verify the accuracy of the disputed information. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding all relevant documentation used to substantiate the reporting of these accounts, including proof of ownership and the burden of proof required to validate the debt. If you can not provide this information within 15 days of receipt of this letter, I demand that the disputed items be blocked or removed from my credit file immediately. 

Accounts in Question XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX XXXXXXXX XXXX  XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX Specific Requests : Provide the exact method of verification used to validate the accuracy of each disputed account. 

Provide a complete description of the procedures followed during your investigation of this dispute. 

Provide copies of all documentation used to validate the accuracy of the accounts and inquiries, including proof that the accounts belong to me. 

If you can not provide the requested documentation and verification within 15 days, I demand that you : Block or remove the disputed accounts from my credit file as required under the FCRA.

Cease and desist all reporting and communication regarding these accounts.

Legal Notice and Threat of Litigation Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), failure to conduct a reasonable investigation, provide documentation, or remove inaccurate or unverifiable information constitutes a violation of federal law. If you fail to comply with this request, I will pursue legal action for the following : Statutory Damages : {$1000.00} per violation under 15 U.S.C. 1681n ( a ).

Actual Damages : For emotional distress, harm to my credit, and loss of credit opportunities.

Punitive Damages : For willful noncompliance with the FCRA.

Attorneys Fees and Costs : For legal action required to enforce my rights under the FCRA.

Additionally, reporting inaccurate or unverifiable information is considered defamation of character, exposing you to further legal liability.

I expect your written response, including all requested documentation, within 15 days of receipt of this letter. Failure to respond to or comply with this request will result in immediate legal action to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act DEPT OF ED / XXXX account # XXXX, DEPT OF ED / XXXX account # XXXX, DEPT OF XXXX / XXXX account # XXXXXXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Sections : It also stated a consumer reporting agency can not furnish an account with put my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

First husband died did not know he had a loan for truck and had put me on as well I was told if I paid the debt that they would finish putting paid as agreed never late because it was late due to me having no idea about the lone on the other two accounts mortage and credit card my Id and all personal information was stolen because Im on ss it took me awhile to catch it up in fact Im current but I took from other bills and paid mortage cause was told once it was current they would take off the fees as well as off report and put paid as agreed still not done on credit card also cause of robbery tried to make minimum payment till they did investigation on what was mine or the theft said wouldnt take a payment cause it would cause the fraud case to stop tried several times to paid in various ways was told it wouldnt go on credit report nope they reported it late for months that they were working on it infact I had auto pay set up and the money was in bank they never took I do not feel I should be punished in any of these cases I pay ontime always as well as do not normally keep balance more then 30 days as it shows on report now Ive got maxed out cards and bad credit for nothing to do with me not paying they ran so high and stole so much money that Im struggling to keep up all the mortage and credit cards fault they said theyd take off that was in XX/XX/XXXX still there as of XX/XX/XXXX plz help