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

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I saw that TransUnion reported on XX/XX/2021 regarding a collection from XXXX XXXX XXXX. This collection is a violation of my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 and I was told they acquired this debt from a medical facility.
Product: Debt collection

On XXXX/XXXX/XXXX, a debt collector called Escallate called my home number and left a voicemail asking for a call back. I called back and learned that Escallate was looking for my ex-husband. I explained that he and I have been divorced since XXXX. The debt collector agreed to take my phone number out of their database. Since then, I have received calls from Escallate on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I saved all of their voicemails. The calls need to stop or Escallate needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXTransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX XXXX Balance : {$690.00}
Product: Mortgage

In XXXX of last year I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was unable to work. I XXXX XXXX XXXX XXXX  on XX/XX/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  XX/XX/2022. I have since returned to work but my mortgage is overdue. Please help me with this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

the depart of education accounts are on my account are showing incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be DELETED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate these accounts ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope this disputed account is removed. 



CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XX/XX/XXXX
Product: Vehicle loan or lease

Car was in an accident. Became total loss. Insurance reached to to company regarding pay off amount. Payed required amount. Now I have a bill and credit implications due to non payed amount. Account was supposed to be settled and have XXXX balance.
Product: Mortgage

Problem company : SPECIALIZED LOAN SERVICING. Problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the companyis stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. '' I tried calling the company to get this corrected. They never corrected the problem. 
I tried writing the company to get this corrected. They never corrected the problem. 
Instead, they said they corrected the problem - which they did not - and they said they were sending me a " confirming letter '' confirming that the problem was corrected. Instead, they sent me another borrower 's information - and they never corrected the problems with my accounts.
Product: Credit card or prepaid card

My card was used fraudulently used in XXXX someone withdrew {$880.00} i filed a complaint with BOA prepaid and they said they will investigate while they temporary gave me credit. After 2 months BOA took the funds back leaving my account in the negative and no information given to me. Call times are longer then an hour and customer service agents don't seem to have any idea whats going on when i get hold of someone they all try to transfer me to another department that " can handle the case better ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with equifax and XXXX  and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with teachers that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off equifax but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.
Product: Credit reporting

an account that does n't belong to me is reporting on my credit, even though, I previously disputed this and it was corrected, it is now on my report again XXXX which might have to do with my ex-husband marrying a girl with the same first name as mine )
Product: Credit reporting or other personal consumer reports

For years scammers have mess up my credit accont.they even clean out my bank account and open accounts in my name.i have written & call the credit Bureas for help but they refuse to help me.so me trying to get a home for me and my family seems impossible.becuse the Bureas refuse to help me plus i had XXXX ( 4 ) times.i was told to sue them but am asking for help one more time
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO DELETE THIS NEGATIVE ACCOUNTS ON MY CREDIT REPORT. 

XXXX : XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$190.00} XX/XX/XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX : XXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$190.00} XX/XX/XXXX
Product: Vehicle loan or lease

Hello, VW sent an inspector to inspect the car before we returned it to the dealership. Report attached. Based on this report we were ONLY liable for the extra miles. We did change the tires to bring it up to par. 

I have reached out to VW finance but have not heard back from them on this issue. We would like to resolve this issue asap.
Product: Credit card

I received my Citi Double Cash credit card statement for the month of XXXX which included a late fee of {$25.00} for a payment they indicated they received on XXXX. My payment was due XXXX. My automatic bank withdraw was made on XXXX and my bank statement indicated the payment was received and cleared by the Citi on XXXX. Citi did not post my payment until XXXX, one day after the due date, and attempted to charge me the {$25.00} late fee. It took me at least XXXX minutes of arguing with a Citi supervisor who was anything but helpful to resolve this matter. I feel they have been dishonest and hoped I would not notice the fee and/or not bother to complain about it. How many other people have had this experience?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred {$200.00} USD from my chase checking account into coinbase as XXXX currency. I uploaded my drivers license to verify my identity and almost immediately ( after the transfer completed successfully ) they notified me that they were forcing me to close my account and I need to transfer my funds out right away. I have been trying since XX/XX/XXXX to transfer the funds out but an alert comes up that states I am unable to transfer and to contact support. I have contacted support over 5 times and they state they opened an investigation but I have not received any follow-up or update. I am able to log onto my account where it then alerts me I need to transfer my funds immediately because my account is being closed. I continue to email - as there is no number you can call to reach anyone - but no one will answer me. I desperately need to transfer my money out especially since XXXX  could drop value at any time forcing me to lose money.
Product: Student loan

I am a XXXX veteran, I have been XXXX XXXX since XXXX. I went to school back in XXXX. I applied for student loans and was given student loans by the department of education. I finished and graduated. I was contacted by a student loan provider to make payment on my student loans. No problem I made my payments from roughly XXXX until currently. I was never late. Kept everything current. I was contacted in XX/XX/XXXX by my student loan provider ( Nelnet ) that I may be eligible for XXXX ( XXXX XXXX XXXXXXXX ). In XX/XX/XXXX I filed the paper work. On XX/XX/XXXX, I was awarded XXXX. Because I was permanently XXXX before I went to school I was informed that the current balance would be forgiven as well as repayment of all the payments I had previously made. I contacted Nelnet, they stated yes I was to be repaid all of my payments but there was no time table for when that was going to happen. I waited. I have not received anything, nor been contacted. It has been 40+ days since I was awarded XXXX. I recalled Nelnet. They informed me I needed to talk to the department of Education. I called them they redirected me back to Nelnet. And they stated they do owe me my payments ( $ 15,000+ ) but they did not have a time frame of when they will repay that. This is ridiculous!!!. If I owed them money I have interest, late fees, and it affects my credit rating. But when they owe you money their is no recourse.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report that had two inquiries from XXXX XXXX on XX/XX/2024 and XX/XX/2024. 
I did not apply for and credit card or any loans in the last 2 years.
Product: Credit reporting or other personal consumer reports

The following companies are reporting accounts on my credit that I have not authorize or have knowledge about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following companies have illegally accessed my credit report resulting in a hard inquiry XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX I am requesting under the consumer fair credit reporting act that all of these to be removed from my Transunion, XXXX and XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and noticed an auto loan from XXXX XXXX XXXX XXXX from XXXX that had gone to collections. It has not been paid on in years and the debt stands at {$15000.00}. I have never had an account with XXXX XXXX and the name on the loan in the credit report is not even my own. I contacted XXXX XXXX and they told me they could not do anything about it. I have since filled a report with the Federal Trades Commission and alerted Experian. I am currently trying to get a mortgage loan and this is not good.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing a collection account on my credit report that shows as " XXXX & XXXX '' for collection agency XXXX XXXX XXXX ( XXXX ), I was advised by the credit bureau that they were able to verify the account as valid and would not remove the account from my credit report. I was advised that I would need to contact the collection agency and request the account be removed from my credit report. On Tuesday XX/XX/XXXX I faxed in a copy of the letter I received from XXXX XXXX XXXX ( XXXX ) which stated they have requested the account be removed from my credit report due to the account being paid in full as of XX/XX/XXXX. Today, XX/XX/XXXX I  called this credit bureau to 1. verify the document I faxed in was received and 2. request the account be removed from my credit report. I spoke with 2 representatives by the name of XXXX and XXXX who both advised me that this credit bureau did in fact receive the document but advised me the account would have to be removed by a supervisor. After waiting on hold for 1 hour and 15 mins, I was transferred to a supervisor by the name of XXXX who first tells me that they never received any documentation. After I explained to him that I have already verified with 2 representatives that they documents, he all of a sudden says he can see the document and place me on hold for another 10 mins to review. After XXXX comes back to the line, he tells me 1. the document is not a letter but a receipt 2. the document is not on the company letterhead and does n't have the company logo, and he refused to remove the account. I am requesting that the document be reviewed again and this account immediately be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; XXXX XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Student loan

Your school falsely certified our eligibility to receive the loan based on our ability to benefit from its training, and we did not meet the ability to benefit student eligibility requirements. 

So basically saying, the degrees and classes were n't worth the time or money put into them. The degrees and classes are scoffed on by any employer we have inquired to, and many former students have reported this issue.
Product: Credit reporting or other personal consumer reports

I am trying to apply for a flex payment plan for my rent, but I keep getting denied and have not yet received a reason why. I have no negative housing concerns, so I do not understand the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the numerous attempts for me to correct my Credit File by having the disputed accounts and information removed from my Credit File, the Credit Bureaus have been ignoring all my requests. I am submitting this CFPB complaint to follow up my previous CFPB complaint I submitted on October 6, 2022, requesting the removal of the fraudulent accounts and information completely from my Credit File. How many dispute letters and CFPB complaints do i have to send to the Credit Reporting agencies foe them to pay attention on my Credit File a d correct it? I grew tired of sending requests and I am taking legal advise and ready to file a lawsuit against the Credit Reporting Agencies. Under the Fair Credit Reporting act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. But no matter how hard I try, the Credit Reporting Agencies have been persistent in claiming that the Disputed items belong to me and yet they have not sent me any copies of proof of verification or any documents bearing my signature to prove that it is I who own these accounts. Me and my legal counsel is almost done and ready anytime to file the lawsuit that we have been preparing. In the event the Credit Bureaus do not comply with the requests and still continue their erroneous reporting, please prepare for lawsuit. Once again, I need the following account removed from my Credit File as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Vehicle loan or lease

We purchased a new car XX/XX/2020. The contract included auto start however the car had to have this installed. We called back multiple times XXXX and XXXX and were told to contact an outside company who they use to do the install for scheduling. We did and were told no order was sent. We called back Toyota and were apologized to and said it would be resolved end of day. This has happened 10 times. Finally we called in XXXX and were told because of COVID 19 that outside installs were on pause. We tried telling them this issue has been active since long before the virus became an issue. We called back XXXX to see what the hold up was and the outside company says they still dont have an order to install auto start. 
Toyota said they would call back by the end of business day, that again never happened now for the 12th time. 

Not sure why they are not wanting to install the auto start but it was literally a decision factor in purchasing this vehicle. We would never have bought had that not told us contractually, this would be added. Weve never owned a car without it and we also go through Toyota for now our 5th car. 
This is just insulting. Weve like to return the car if they have no intention on installing auto start as theyve already agreed.