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

I sent you a letter several times, asking for you to investigate the information reporting on these accounts and I received a response from you stating that the accounts were verified and there would be no change. 

After receiving that response. I sent a letter to the companies in the previous month asking for them to verify the information. I received no response. 

I have exhausted all of my options to resolved these matters and I am now demanding that the accounts be deleted from my credit report due to being invalid and unverifiable. If no proof of debt exists and there is no verifiable information, then the information may not be reported to the credit bureaus nor reported by them under the Fair Credit reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 States i have the rights to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instructions.

15 USC 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: Debt collection

I C Systems has not and will not provide me verification that this account is mine, I've requested it several times and to no avail. XXXX  has removed it from my credit report because they could not verify it.
Product: Checking or savings account

I am a victim of shipping scam issue. On XXXX XXXX, a person approach me from my country, XXXX acting as a staff working in shipping company, telling me that I have a gift box sent from the States with some money in it. XXXX custom has found out and suspect that it is a money laundering case. To be able to clear the custom, I have to pay them XX/XX/XXXXXX/XX/XXXX or XX/XX/XXXXXX/XX/XXXXusd to them. I was panic of getting into a lawsuit case with the government. So at that moment, I fell into their trap, and transfer XXXXusd, which was my maximum limit of transfer to a XXXX XXXX XXXX account. But later, I feel something is not right, and called Bank of America, my own bank to seek for help, maybe can reverse the transaction or stop the transfer. I am currently in XXXX and have waited until the operation time of BOA, but they only reply with filing a fraud report. However, I did not receive any email from them after the international call to BOA. They said I need to wait for ten days for a form to sign. But since the call, Ive never get any updates from them. I hope you can help me.
Product: Credit reporting or other personal consumer reports

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows you to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I don't know where you got the following accounts. 

They shouldn't even be appearing on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up request to XXXX that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$530.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$940.00} ; XXXX XXXX Balance Owed : {$5400.00} ; XXXX, XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was noted that my XX/XX/XXXX mortgage payment was received 30 days late. It was received and processed by the mortgage company XXXX XXXX  on XX/XX/XXXX. There is 28 days in XXXX. A XX/XX/XXXXprocessing of the full mortgage payment would put the payment as being received in 28 or 29 days depending on how days are viewed.. 

This 30 day late and all comments on my credit reports for XXXX XXXX  needs to be removed as this is a FCRA violation of inaccurate reporting. 

Please remove all comments and the 30 day late mark from my credit reports.
Product: Credit reporting or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 or other personal consumer reports

I have already filed a dispute but noticed there were no attachments for proof. My XXXXXXXX XXXX XXXX XXXX is not updated for XXXX. XXXX  XXXX already confirmed the sent the information as XX/XX/. XXXX and XXXX have already made their updates. I will attach screen shots. I have had nothing but trouble with this company for the last 2 months. I tried calling customer service. It will not give me a human no matter what and refers me to the help center. The help center has extremely limited services and tells you to call customer service. This is wrong!
Product: Credit reporting or other personal consumer reports

I have contacted Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2024 in reference to not utlize myequifax.com. I have spoken to three differerent people that told me they will escalate the problem which when I log into myequifax.com, my profile will not allow me place a security freeze, I can not view my personal information, I can not view my score, I can not view my disputes, and I keep getting the message " Give this code XXXX  to the agent. 

Each time, I give the agent the code. The last rep I spoke with by the name of XXXX. He stated that Equifax has received my identification and that he is not sure why I am not allowed to see anything on my profile and that he will escalate the workorder. 

This is becoming incovenient to me as a consumer. I should be allowed to see my profile, place a security freeze and very any dispute for my records.
Product: Student loan

Navient has been using unfair business practices, inaccurate credit reporting ; inaccurate and fraudulently application of student loan payments ; Providing me with false and misinformation. Continuous violations of the Fair Credit Reporting Act and Fair Debt Collection Act. 

Please request these two loans, one subsidized and on unsubsidized loan with Navient discharged ; these loans were fraudulently executed by XXXX XXXX XXXX, XXXX XXXX CA ; The school has since closed, and was not credited and mislead students with the cost of school, the accreditation and did not provide transcripts, and or diploma. 

These loans should of been discharged due to school closure ; Navient has my student loans set up to only have payments being applied to interest. None of my payments are being applied to the principal balance ; I have called several times and requested by mail, email and telephonically to discharge these fraudulent loans. Requested accurate information of the status of my account. Payment are only directed to interest. I am very concerned that Navient is operating a fraudulent, student loan servicing organization. 

Please discharge these loans immediately and report to the credit agencies accurate information as discharged. 

Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

in accordance with the Far Crear Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone : ( XXXX ) XXXX, has violated my rights 15 U.S C 1681 section 602 A. States | have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It aiso states a consumer reporting agency can not furnish a account without my wrten instructionse
Product: Mortgage

Atlantic Bay Mortgage intentionally lied to the bureau and invented disinformation as part of a financial conspiracy that I did not pay my own home insurance to Members XXXX when in fact I did. Atlantic Bay Mortgage believes they are so special and exempt from federal criminal law that says you are not allowed to lie to federal banking regulators.
Product: Debt collection

They will not listen or even give me the chance to tell them that this debt was included in a bankruptcy that has been closed for over 5 years now
Product: Student loan

I have attempted to resolve this issue on several occasions with Sallie Mae. I contacted the company 's customer service department in XX/XX/XXXX and explained that I had been laid off from my full-time job with a law firm due to the Covid-19 pandemic in XX/XX/XXXX. I further explained that a job offer that I received with the federal government was rescinded in XX/XX/XXXX due to budgetary reasons. I also informed the customer service agent that I could only obtain temporary work at the moment and that full-time hours were not guaranteed. The agent failed to offer me a deferment in order to temporarily stop payments. The agent stated that I no longer qualified for a deferment. A denial email was sent on XX/XX/XXXX. The agent then offered a plan that required me to make interest only payments on the loan. These payments amount to {$220.00} per month. I can not afford this monthly payment due to my loss of income. When I requested that the loans be remodified ( lowering the interest rate which lowers the payment ), I was denied this request without explanation. The agent simply stated that you can afford to make the payments of {$220.00} per month based on the financial information provided to Sallie Mae. I can not even pay rent for housing at this point. There is an arrears of rent at this point, yet Sallie Mae claims that I don't financially qualify for my loans to be remodified. In addition, the agent that spoke with on XX/XX/XXXX claimed that she worked in the loan modification department and was extremely rude. She stated that my loan payment would only be reduced by an insignificant amount so she didn't understand my need for modification. I would like her unprofessional behavior reported to management. At this point, I must borrow {$220.00} to pay the past due amount and prevent the negative reporting of information to the credit bureaus. However, the loan payments are 45 days past due so another {$220.00} is still due to bring the accounts current. This I can not afford at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I log into my.equifax.com to check my credit score and report it keeps returning the error " We are temporarily unable to provide your credit score. Please try again later. " .. Just to be clear I am able to log into my account it just doesn't pull up any of my credit report or my credit score. I've called several times over the past year each time I'd call they'd say they're escalating it to their IT department and the employee would say the IT department will email me when the issue is resolved ... I'd wait several weeks and I either wouldn't respond or send me a cookie cutter response saying " my issue had been resolved '' when it really was not resolved or I wouldn't get a response at all. I lost count the amount of times I've called equifax over the past 12 months to resolve this issue and I'm yet to make any progress ... This delay in action caused me to miss several errors in my equifax account whitch resulted in adverse action taken againts me ... I wasn't aware of these errors until I was declined for credit resulting in further negative items on my credit file. I've give Equifax every oppertunity to resolve this issue and plenty of time to do so with no sucess.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My backpack was stolen with my ID and social in my wallet inside it almost 10 years ago. I was contacted my a debt collector that I had no idea what they were talking about so I had my credit reports pulled from all three bureaus. After receiving the reports I seen a whole lot of accounts, names, addresses, and socials that I didn't authorize or know anything about. I immediately filed a police report and identity theft report as well as disputes with all three bureaus. They have not done anything about it and are holding me liable with no proof that I opened these accounts or haven't sent me what proof they may have because they are not mine.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have noticed fraudulent accounts and unauthorized inquiries appearing on my credit report. I have uploaded a ftc report and personal identification below.
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 {$1300.00}. 
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 ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

There are four open transactions all from the Affirm Inc . In the amounts of {$610.00}, {$120.00}, {$120.00}, and {$110.00}. 

I don't have an Affirm account. I don't own any affirm cards or never had a loan from them. I have been living in XXXX since XXXX I would have never gotten approved for an account because I don't possess a valid XXXX phone number. 

These transactions were not made by me and I had no knowledge whatsoever of these purchases. These transactions need to be removed immediately from my credit report. 

I also would like to receive all information regarding who made these transactions and the details surrounding each event. 

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

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX .... Balance : {$9300.00}
Product: Debt collection

Ally has violated my consumer rights as well as the law. I wrote to Ally on XX/XX/21 in dispute of a debt they hold in my name. In Ally '' s written response to my request, they did not include a statement given my the right to Dispute the debt. But in turn stated that they have already reported this erroneous debt to the credit bureaus. Ally has deprived me my Consumer right to Dispute debt that does not belong to me as well as Defamed my Character by unjustly reporting this negative account under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX withdrwal cash from the atms for almost 2 years with XXXX XX/XX/XXXX y XX/XX/XXXX stole XXXX dollars in 2 years order XXXX dollars inXX/XX/XXXX in one day XXXX hacked my phone n make wire transfers usin XX/XX/XXXXapp XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - I initiated a wire transfer in the amount of {$10000.00} to my wife 's XXXX XXXX ( XXXX XXXX XXXX ) account to pay credit card bills XX/XX/XXXX - XXXX XXXX XXXX requests " additional information '' ( unknown to me ) XX/XX/XXXX - with transfer not completed, I went to the local bank center and inquire - told " transfer not completed - not sure why '' XX/XX/XXXX - with the transfer still not completed, I reached out by email to Bank of America ( BoA ) on their national support line for help XX/XX/XXXX - BoA sends me an email requesting a telephone call for " important information '' ( this presumably was instigated by my email ) XX/XX/XXXX - I called the bank with the required addition information - was told " good to go - we have what we need '' on XX/XX/XXXX - funds transfer still not completed. XX/XX/XXXX - I call XXXX XXXX XXXX to inquire, told funds were returned because the requested additional information was not provided by BoA. It has now been over 4 MONTHS - no one at BoA can tell me were my {$10000.00} are. During these 4 months I was traveling in XXXX and XXXX and have incurred uge telephone expenses amounting to over {$600.00} talking to BoA by telephone and being put on hold for 20-30 minutes at a time. Previous complaint with CFPB ( ID XX/XX/XXXX-XX/XX/XXXX ) was CLOSED without resolution. I'M OUT {$10000.00} AND NO ONE GIVES A XXXX - this is nothing short of grand theft - what country am I in?