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

I have student loans on my credit report. I received confirmation from XXXX XXXX that my loans have been forgiven under Public Service Loan Forgiveness ; however, the balances are still showing on all 3 of my credit reports. I submitted disputes through each credit reporting agency and the disputes were resolved ; however, the balances have not been removed from my credit reports notwithstanding the fact that I submitted proof of loan forgiveness/discharge. I am not sure if this is an issue with the credit reporting agencies or XXXX as the credit reporting agencies say they spoke to XXXX in resolving the dispute which resulted in no updates to my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Tranunions, and XXXX Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX report ( which i have a XXXX XXXX account ), it shows that I have closed my XXXX XXXXXXXX XXXX  account when it's still open. i still have and use my card. i called them this morning and they claim that i ordered a new card when i didn't. i called to clearly get this situation fixed, and they acted like they couldn't do anything about it. i've heard plenty of negative reviews about XXXX XXXXXXXX XXXX   for quite some time now. I just want this Inquiry and there is a Discover card Inquiry on my credit report that is incorrect as well. I've never had a discover credit card. seems like no one can help me or someone is lieing. i've even tried to get some of the hard inquiry thats been on my account for years to be removed, and it's no help. I also hope that most of my hard inquiries that are from XXXX or XXXX to be removed if possible. it's some hard inquiries on my XXXX account that i feel should be removed as well. i would highly appreciate it if you can help me get this solved because this has been a pain on my brain for quite some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,  2017 I f iled a complaint against your company to remove FALSELY reported accounts from my credit report.     On  XXXX   XXXX ,  2017 I filed  a follow up complaint because you too more than 30 days to perform a validation and provide a method of verification. You have failed to do so in the interim and are in violation of the settlement reach by the lawsuit filed against your company by the Attorney General.     I demand that the below files be removed from my credit report immediately.    1.  Chapter  XXXX  Bankruptcy  2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX   XXXX   XXXX   5.    XXXX    XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX .     I have attached the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the recession in 2008, I decided to do a loan-modification on my home because the value of my home went from approximately {$400000.00} to {$200000.00} and my home was " underwater ''. After agreeing with the new amount that I had to pay, ( which I paid in a timely fashion ) XXXX XXXX reported the new payments to the credit bureau as late, which negatively impacted my credit scores. 

I was unaware that this occurred until I went to purchase a new home. At that time, I was informed that I would not be able to purchase another house, among other things, until the latenesses are removed from my credit. 

XXXX XXXX did an injustice to me by reporting my agreed payments as late.
Product: Money transfer, virtual currency, or money service

i am filing a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX COMPLAINT OF [ CREDITORS / COLLECTION AGENCY ] HARASSMENT AND FRAUDULENT DEMAND FOR PAYMENT LETTERHEADS / REMOVAL REQUEST : : OF THE DAMAGING NEGATIVE INFORMATION REPORTED TO THE CONSUMERS 3 CREDIT REPORTING BUREAUS FILE. / I XXXX XXXX XXXX, HEREBY, SUBMIT THIS COMPLAINT OF HARASSMENT, AND FRAUDULENT DEMAND FOR PAYMENT LETTER, AND DAMAGING NEGATIVE INFORMATION, THAT WAS REPORTED TO MY CONSUMER ACCOUNT, WITH THE THREE CREDIT REPORTING BUREAUS BY : __NATIONWIDE CREDIT INC. ; WHOM IS A COLLECTION AGENCY. AND DOING BUSINESS ON BEHALF OF ; XXXX XXXX XXXX, XXXX. 
NOW, THEREFORE! ON THE DATE OF XX/XX/2020. I RECENTLY RECEIVED, __ANOTHER HARASSING PIECE OF COMMUNICATION, VIA__BY LETTERHEAD, FROM NATIONWIDE CREDIT INC . DEMANDING PAYMENT FOR AN OUTSTANDING ACCOUNT BALANCE, IN THE AMOUNT OF : XXXX {$20000.00} ] XXXX XXXX, XXXX XXXX AND XXXX DOLLARS, AND XXXX CENTS. 
[ 1 ] I XXXX XXXX XXXX, NEVER OPENED AN ACCOUNT WITH XXXX XXXX XXXX, XXXX. IN OR AROUND, THE TIMEFRAME PRESCRIBED BY THE CREDIT GRANTOR. WHERE UPON__IT WAS DEFINITELY OPENED BY SOMEONE ELSE? __OTHER THAN, MYSELF! THEREFORE, THE VALIDITY__ OF NATIONWIDE CREDIT INC . CLAIM AGAINST__ THE SUGGESTED NAMED PERSON ON THE ACCOUNT IS FRAUDULENT. 
REMEDY__THAT IM SEEKING : [ A ] MONITARY RETRIBUTION : : FOR BEING HARASSED, INCONVENIENCED, AND FOR THE RUINED CREDIT RATINGAMOUNT TOTAL : [ {$5000.00} ] [ B ] WHEREFORE, I STRONGLY SUGGEST__THAT, NATIONWIDE CREDIT INC., DIRECT ALL FEASIBLE ATTENTION AND EFFORT, ON LOCATING THIS IDENTITY THEFT. AND I ALSO SUGGEST : AN IMMEDIATE STOPPAGE__TO ALL HARASSING DEMAND FOR PAYMENT COMMUNICATIONS. OR__I WILL BE FORCED ; TO BRING FORTH__SOME FORM OF JUSTIFIABLE LEGAL ACTION, WITHIN THE COURT OF LAW. TO REMEDY : :__THIS PETITION AND CHARGES__ AGAINST THE PARTIES INVOLVED.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I checked my credit report and I noticed unauthorized accounts. This is against my consumer rights. I also noticed that I was impacted by the Equifax Data breach which may have made this issue occurred. XXXX, Equifax and XXXX are aware of the unauthorized accounts but they have not investigated into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Equifax Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account XXXX # XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several accounts and inquiries that I didnt authorize or give anyone permission to open
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and bankruptcy records have been added to my credit file. Pursuant to 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent accounts and records be blocked and deleted from my credit report.

The following fraudulent bankruptcy records and accounts have been identified : Fraudulent Bankruptcy Records XXXX. Bankruptcy XXXX XXXX - XXXX # XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX - XXXX # XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} XXXX. Bankruptcy XXXX XXXX - XXXX # XXXX - Filed : XX/XX/XXXX - Amount : {$0.00} Fraudulent Accounts XXXX. XXXX XXXX XXXX - Account # XXXX  - Date Opened : XX/XX/XXXX - Amount : {$770.00} XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$510.00} Fraudulent Inquiry XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Debt collection

I am being charged with a fee that has nothing to do with me. I don't know where this charge of {$700.00} came from or why it is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has reported negative information regarding my credit score. I do not owe GM Financial anything. XXXX XXXX XXXX dealership does. I have no legal binding loan contract with GM Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting information from the three credit bureaus and the company 's that are using my name, social and other information to report false and fraudulent information to them, on my accounts. Since XX/XX/2021, I have been attempting and begging them to show me what the debt is for on my credit reports because I have not opened these accounts at all I suffer from identity theft. These companies have been no help at all explaining the charges and the origination of the accounts. They are continuously sending a balance and nothing else. They are failing to place the accounts in dispute status, they are failing to investigate and comply with the FCRA, I have submitted Identity Theft Affidavits, Police Reports and explanations of my situation and they continuously overlook my situation and set automated responses. This is hurting my financial discretion, I am unable to get a car, a home, and credit opportunities because someone has opened false accounts and information using my name. I have not applied for no benefited from these accounts and the companies are not assisting me fairly to establish the documentation they receive to open these accounts and what addresses were used.
Product: Debt collection

My credit score has duplicate negative accounts from bonded collectors of Wisconsin and it makes the balance that I have increased dramatically impacting my credit score negatively and the that is older than six years old since the day it was first entered as a debt of mine from XXXX XXXX XXXX in XXXX Wisconsin bonded collectors of Wisconsin is using manipulative business practices by submitting duplicate accounts for the same account. The statue of limitations has expired on this debt pere Wisconsin state law of 6 years.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : MO XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Between XX/XX/2024 and XX/XX/2024, a new account in collections was added to my report. The collection agency is TRANSWORLD SYSTEMS. The original creditor was XXXX XXXX XXXX XXXX
Product: Credit reporting

I HAVE INQUIRIES ON MY REPORT THAT I DID NOT AUTHORIZED. I HAVE ATTACHED ONE EMAIL AND 1 TEXT TREAD PROVING I DID NOT AUTHORIZED ALL THESE COMPANIES TO RECEIVE MY CREDIT REPROT. TOLD ONE COMPANY ON USE XXXX XXXX. DID N'T EVEN AUTHORIZE OTHER COMPANY TO PULL REPORT AT ALL. 

Creditor Name Inquiry Date Removed By* Type 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 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 XX/XX/XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, Experion, and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under XXXX XXXX XXXX which is still present on my credit files as unpaid. 

I have submitted disputes with XXXX starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed XXXX XXXX XXXX twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans.

This has also caused a great deal of emotional distress each time I am turned down for credit or financing.
Product: Checking or savings account

On XXXX I went into the TD Bank in XXXX, Fl at XXXX XXXX XXXX XXXX and spoke with XXXX XXXX to report fraud on my account since I had been XXXX for nearly 3 years. She said the the Fraud department would contact me in 2 weeks and if not to come back into the branch and she would contact them again on my behalf. They never contacted me so on XXXX I went back into the branch. When I try to call the Fraud department myself, they say they cant help me since the account was closed and that I would have to go the branch. But when you go to the branch, they tell you have to wait for a phone call. The last transaction I made on my account was for {$7.00} on XXXX and I should have had a balance of {$690.00}.
Product: Debt collection

XXXX XXXX XXXX has within the past two weeks contacted by brother, sister, brother in-laws, mom, ex husband, former employer and an old roommate. After my brother was contacted I called the number given to him and asked for clarification of debt or something in writing. The guy told me I was refusing to pay by asking that and wanted a debit card number for payment. I refused, he also stated to my brother in-law that it sounded like he didn't have a job and he could fill out a loan application. 
This harassment has caused extreme problems in my life and the constant phone calls to my family, ex family, ex employer and ex roommate are beyond extreme. 
I asked the gentleman that answered when I called how he got my brothers information and he said he looked up all of my contacts. My brother in-law was also told that I used him as a reference which I would never do because I can't stand him. They are asking for {$940.00} for a XX/XX/2016 debt that I don't recall having with checkngo. I had a previous loan with the company that was paid in full. These people are extremely rude, aggressive and vague on every conversation they have had.