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

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some oft he names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this.

XXXX/XXXX  XX/XX/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 XX/XX/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: Student loan

I took out the private loan when I was very young and doesn't understand private loans or interest. I've paid back more than I borrowed, and still owe double what I borrowed. I'll be paying until I'm XXXX XXXX XXXX due to the predatory interest rate. Every ten years of payments actually DOUBLES what I owe them rather than paying the balance down. It's a web I'm caught in that I CAN NOT pay off, ever, unless I win the lottery. The interest rate means I'll pay like XXXX what I borrowed which wild be illegal usury if any other type of loan. I just want a fair interest rate so I can actually many headway towards paying it off. Instead I've paid for over a decade and instead of going down, the balance of the loan has doubled. It's predatory. I've asked for a fair and reasonable interest rate and they refuse to help me. This is not what I signed up for, I didn't signed up for a life long sent until I'm XXXX XXXX XXXX. You shouldn't have to pay for 50 years just to get a college degree.
Product: Credit reporting

XXXX is soft pulling my credit report every time XXXX or XXXX XXXX soft pulls it. I called XXXX and inquired about it and they said they have no knowledge of it. I talked to Experian and they said since its only visible to me..they ca n't do anything about it..I an concerned about it because there is not valid reason for XXXX to be looking at my credit report. What can I do?
Product: Credit reporting or other personal consumer reports

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The persistence of these fraudulent items is unacceptable and necessitates immediate, effective action. Each attempt has either been ignored or inadequately addressed, resulting in the continued presence of fraudulent items that undermine the integrity of the process.The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX **** Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

good afternoon Team Experian Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. 

This item # XXXX, of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. 

Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possibleIn accordance with the Fair Credit Reporting act XXXX Account # 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 card or prepaid card

On XX/XX/19 I responded to an online Citibank promotion to earn XXXX miles on XXXX XXXX after spending at least {$3000.00} within 3 months. I spent over {$13000.00} in the first month and paid it in full. When I didn't receive my miles I contacted Citibank on XX/XX/19. They informed me that I wasn't eligible to receive the bonus miles due to having had a Citibank card within the past 2 years. I informed them at NO time was I informed that I was not eligible to receive the bonus miles. When I received my credit card there was NO mention that I was not eligible to receive the bonus miles. They gave me another number to call ( XXXX ) to resolve the problem. I called and spoke to XXXX today, XX/XX/19, and she refused to give me the miles. 

My statement to her was that if they are able to determine I'm now not eligible to receive the miles they should have been able to determine this when I was submitting my application. This is very misleading on their part. If I had known about their bait and switch I would have gone with another company. 

Regards.
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 credit reporting agency , block 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 collections account opened at XXXX  XXXX  on XX/XX/XXXX with a balance of {$4900.00} 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX FIN # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX INT # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DATA XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  F XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Student loan

My loan servicer removed my balance and said that it was paid off on their own behalf, but months later resumed my previous balance. They posted a payment to my balance from their own business, then months later undone with no notice, email, communication. ( Was put to XXXX due to a payment, not dismissal )
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax today XX/XX/19 at XXXXpt to dispute something on my credit report because they still haven't fixed there mobile site after 12 months of it being broken .I was on the Equifax website and called there customer care and was greeted by a nice XXXX man named " XXXX '' who I gave all my personal info to including my SSN only to be told I didn't pass there security screenings and that I had to go to the BROKEN web page to file a dispute he also gave me another website www.investigate.equifax.com when I asked if he was Equifax he got very shady and tried to give me the run around so now I don't know who I just gave my personal info to neither does the company I called and I want my identity protected from this credit agency shady practices
Product: Mortgage

This is from XXXX showing the sale of the said property. I'm requesting CFPB insist on providing XXXX XXXX All the transactional documents, including bank transfer of funds of any kind, in this foreclosure. They provide numbers, no documents. No signatures, no ownership. Just a bunch of words on a piece of paper. 

RICO in process. 
Status Company responded on XXXXXX/XX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX XXXX : We are writing in response to a dispute that you filed with the Consumer Financial Protection Bureau ( CFPB ) with regard to the above-referenced mortgage loan. We understand that by filing a dispute with the CFPB, you have authorized us to upload a copy of our response to the CFPB website. We further understand that you are requesting the CFPB to assist you with the application of funds and foreclosure sale date. A response was provided on XXXX XXXX XXXX through the CFPB portal for complaint numbers XXXX and XXXX XXXX. An additional response was provided on XX/XX/XXXXXXXX XXXX XXXX  through the CFPB portal for complaint numbers XXXX XXXX and XXXX. A foreclosure sale was completed on XX/XX/XXXX. The account was settled through foreclosure sale funds on XX/XX/XXXX. At this time, the account is no longer due for a monthly payment to XXXX. Prior to the foreclosure sale being completed, the account was past due for the XX/XX/XXXX, and each payment that had become due thereafter. XXXX was unable to accept single payments for the above referenced account due to the loans delinquency, and because the account had not entered into a loss mitigation plan. All funds received for less than the total amount due were returned to you. Enclosed is a copy of the loan history statement. Although XXXX regrets any inconvenience regarding this matter, we have been unable to determine that any error has occurred. You have the right to request documentation supporting our determination. We appreciate your business and the opportunity to review this matter for you. For any additional inquiries or assistance, please visit our website at www.shellpointmtg.com. Alternatively, feel free to contact us directly at XXXX for further assistance. You can also find helpful information on our Frequently Asked Questions page. Simply log in to your account on our website, click on Help, and choose FAQs from the drop-down menu for quick access to answers to common questions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely
Product: Debt collection

At this moment I do not have a stable job and I owe money to XXXX, I would like to reach a payment agreement, I do not want to go to collection. 

Creditor : XXXX Reference : XXXX Account balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXXF Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF ED/XXXX   Account Number : XXXX DEPT OF EDXXXXE Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX DEPT OF EDXXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX XXXX  XXXX  XXXX ( XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXXXXXX XXXX XXXX I ( XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX
Product: Checking or savings account

I am trying to set up an investment account though XXXX. PNC Bank will not communicate and has blocked access to PNC accounts not allowing their customers to invest financially through a 3rd party application.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan reports to my credit incorrectly and both the school and their reporting company refuse to correct it. Account was not serviced properly. No letters, no calls no emails were sent to advise I owe them money. First letter came to a relatives address and when I called I was told no account existed and not to worry. Later I find out theres an open collection on credit. I paid it off immediately. However, it appears that collection is still on my credit show past due, showing a balance due over the available credit limit, showing a payment equal to the amount due, reporting every month as an open account and XXXX  days past due. Both the school and school servicer reporting to credit refuse to give an accurate letter to match the account number they reported to credit. This prevents me from asking the credit bureau to dispute - account numbers do not match. I have requested credit bureau to call the school and gave my verbal consent to both. School servicer advised me that they dont talk to credit bureaus, and they only report what school gives them. This is a vicious cycle, which hurts me financially. Im unable to purchase a home because of this account and how it reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO Whom it may concern : I recently received a copy of my ( Experian, XXXX and XXXX ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several credit inquiries listed below that I did not authorize. I am formally disputing these inquiries and requesting their removal from my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Notice of Intent to Accelerate, dated XX/XX/2023, which advised me the account was in default and if not cured by XX/XX/2023, they would exercise our rights under the law or we would repossess the vehicle. 
I was given this letter the thing is they can sell or give out my info to any 3rd party repossession company without my consent if they do if will be consider illegal I will sue for no more than XXXX XXXX for willful negligence. Payment has been sent for the late payments through a check when i got the bill statement in my mail a little later after XXXX XXXX. THIS IS MY LAST ATTEMPT to settle the inaccurate info reported to my credit report.
Product: Debt collection

I RECEIVED A COPY OF THE LETTER FROM THE COLLECTION AGENCY EVEN IF THIS ACCOUNT WAS ALREADY PUT ON DISPUTE DUE TO IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, my unemployment payment of {$1500.00} was deposited into a MoneyLion fraudulently opened account after a scammer/hacker hacked into my unemployment account and changed my banking preferences. I contacted unemployment and they had me to change my banking information back to my routing and account number as well as change my login pin. Unemployment was not able to retract the payment. The routing number of the fraudulently opened account is XXXX and the account number is XXXX. I contacted MoneyLion on XX/XX/XXXX and told them what happened. MoneyLion confirmed that the money was still in the account and submitted a fraud report to their fraud department and said someone would contact me within 24-48 hours. When I didn't hear from anyone after the 48 hours, I contacted them on XX/XX/XXXX and was told that they won't contact me via phone, but will contact me via email and I wasn't able to speak to the fraud department. They also said that my ticket ( XXXX ) was closed, but couldn't give an explanation as to why it was closed. They opened up another ticket ( XXXX ) and told me someone will contact me via email within 24-48 hours. I still didn't receive a phone call or email within the specified time frame so I contacted them again. On XX/XX/XXXX, I was told that approximately {$900.00} of my money was recovered and they were working to recover the remainder and would contact me at the end of the week with an update. On XX/XX/XXXX, I spoke with XXXX at MoneyLion and he told me all of my money was recovered. So I asked when it would be returned to unemployment so that I could contact unemployment after it was returned. He couldn't give me a date so I asked to speak with a supervisor. The supervisor, XXXX said that the money wasn't recovered so my question was why would XXXX say that it was recovered. He said he didn't know so I asked him to ask XXXX why he made that statement and I asked why would the representative that I spoke to on XX/XX/XXXX say that approximately {$900.00} was recovered. He didn't have an answer for that either. My next question was whether or not the money was still in the account. The supervisor said that the money was withdrawn from the account on XX/XX/XXXX and wasn't recovered and that they would not be returning any money to unemployment.
Product: Debt collection

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to file a complaint regarding a debt collection attempt for rent that I never signed for or agreed to. The debt collector, XXXX, has been contacting me about this alleged debt. 

I have never signed any lease agreement or contract for the rent in question, and I believe this debt collection attempt is incorrect. I have attached all relevant communication records and documentation that support my claim. 

I kindly request that the CFPB investigate this matter and provide me with protection from further collection efforts for this invalid debt. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

This complaint was resolved as identy theft 5 years ago by the FCC. Now I 'm getting notices again. I do not know what to so to stop this
Product: Credit reporting or other personal consumer reports

This marks another instance of reporting identity theft victimization. Pursuant to the Fair Credit Reporting Act Section 605B ( a ), it is imperative that you promptly remove any items opened without my knowledge, consent, or authorization within four business days upon receipt of ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a declaration from the consumer affirming the information 's non-association with any transactions. The following fraudulent items necessitate removal : 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=TRANSUNION : XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX. If you assert the accuracy and verifiability of these items, I request documentation bearing my signature. However, I maintain that no such documentation exists. In the absence of signed agreements, I urge the removal of these items from my file. It has come to my attention through research that you have a pattern of non-compliance with the aforementioned FCRA statute. Should you choose to disregard my request for account removal, I will be compelled to involve legal counsel. I implore you to avoid escalating this matter into a legal dispute. Additionally, I emphasize the urgency of removing any items or information resulting from alleged identity theft within the stipulated four business days. I do not consent to E-OSCAR or any form of automated verification.
Product: Credit reporting or other personal consumer reports

I believe that according to FCRA 605B, it is mandatory for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? A few of the mentioned accounts seem to be incorrect, causing me some discomfort.