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

XXXX XXXX DID NOT FOLLOW THE LAW. I ASKED FOR ANY ACCOUNT THAT I MAY HAVE BE REMOVED FROM MY CONSUMER REPORT DUE TO THE SIMPLE LAWFUL FACT THAT I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE WRITTEN PERMISSION TO THIS COMPANY TO FURNISH ANYTHING WITH MY SOCIAL SECURITY NUMBER ATTACHED. 

THEY EVEN STATED IN THEIR LETTER THAT THEY HAVE NO COPY OF A SIGNED AGREEMENT WITH ME. THAT IS PROOF THAT THEY CAN NOT VERIFY THIS ACCOUNT. I DO NOT LIVE AT THE ADDRESS MENTIONED IN THOSE DOCUMENTS THEY SENT OVER. THEY ARE COMMITTING FRAUD AND THIS BUREAU IS ALLOWING IT. I AM DISGUSTED AND WILL CONTINUE TO FILE COMPLAINTS DAILY TIL YOU ADHERE TO THE LAW AND SUBMIT TO YOUR FAULTS. 

THEIR DOCUMENT WITH THE CARD AGREEMENT LITERALLY HAS ( XXXX, OH OH ) AS THE ADDRESS! THAT IS FICTITIOUS AND NOT EVEN A REAL JURIRSTICTIONAL ADDRESS IN THIS COUNTRY! 

I HAVE LITERALLY JUST REMOVED OVER 60 ACCOUNTS THAT WERE ATTACHED TO MY XXXX XXXX ACCOUNT BECAUSE MY NAME IS SO COMMON AND I HAD MEN WITH THE EXACT SAME NAME AS ME ON MY PROFILE BUT THEY LIVED IN UTAH AND OTHER VARIOUS PLACES. 

MY SIGNED AND MAILED AFFIDAVIT WAS SENT XX/XX/2022 XXXX
Product: Student loan

My student loans are currently being services by Pennsylvania Higher Education Assistance Agency. I have had several periods of " qualifying employment '' through the Public Service Loan Forgiveness program. I believe that PHEAA has overcharged me, which results in payments that carry over into the next billing period and result in fewer qualifying payments.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several discrepancies I have identified on my credit report, dated XX/XX/year>. The accounts in questions are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXunderstand that, pursuant to section 605b of the Fair Credit Reporting Act ( FCRA ), it is your obligation to block fraudulent information resulting from identity theft within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, UT XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates/Services ( goes by either name ) has been illegally re-aging a collections account on all three of my credit reports ( XXXX, XXXX, and XXXX ). Although I dispute the validity of the underlying debt ( related to an old incident of identity theft ), I note that the underlying account 's date of first delinquency was some time between XXXX - XXXX, and therefore rapidly approaching the point at which it would be removed from my credit reports regardless of its validity. 

Portfolio Recovery has re-aged this account to reflect it as having opened in XXXX, thereby extending the credit reporting time limit by 3 - 4 years -- effectively doubling the legally allowed credit reporting time limit. I have repeatedly requested that Portfolio Recovery rectify this matter to no avail ; Portfolio Recovery has ignored my requests and continues to fraudulently misrepresent my account information. 

IN ADDITION, Portfolio Recovery represents this account as an " open '' installment account. This is patently untrue. It is a severely aged charge-off that Portfolio Recovery purchased the rights to. 

Portfolio Recovery is grossly non-responsive to requests to remediate the matter and is only reachable when they are harassing myself or family members and associates in aggressively attempting to collect on this alleged debt.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My vehicle was broken into, and my wallet was stolen, which included my Georgia Identification, credit cards, and other items. I have already filed a police report. Since then, all my accounts have been used fraudulently because of the identity theft. As a result, I do not recognize any of the transactions on my credit report and none of the transactions relate to me. 

Dealing with this identity theft has been stressful and has caused me so many issues.
Product: Mortgage

I needed to take advantage of the entire covid forbearance due to the slow in business due to the virus ( I'm a small XXXX XXXX ). Covid for us, did cause Changed Circumstance. I did a verbal consent over the phone. I did know that there would be repayment options. However, I did not know that all options for repayment would cause an adverse action against me. Once the forbearance ended, I was told that I could put a lien on my home and pick up payments where they left off. I was also offered to put the forbearance amount owed on the backend of the loan if I entered a new loan contract. The third option was for me to pay the full {$20000.00} upfront. I denied all of the options and requested a regular payment plan that would not require me to put a lien on my home, create a new mortgage contract or force payment in full at once. I spoke to several representatives and one manager. The very 1st rep told me that she would send out a payment plan and request the repayment plan guidelines be sent as well per my request. The next week, I called to check to see if it had been sent but was now being told that I now have to apply for a normal repayment plan. I was vehemently against having to apply to repay my own mortgage. I argued that it would be incomprehensible to request that someone who had just needed to use a full forbearance relief to be forced to apply to repay. It should be evident that there are financial difficulties. Ultimately, it took about a month to receive the application. By the time that I received the application, I was about ready to submit my written RESPA request. Instead of applying to repay, I just submitted my request. They received the request via registered mail on XX/XX/XXXX. On XX/XX/XXXX, they reported my entire loan amount to all credit reporting agencies, not just the {$20000.00} that was in question along with other requests. They never confirmed receipt of the QWR as required. I only know it was delivered because I sent it registered mail. They are not supposed to report anything during the QWR process. I am being retaliated against for utilizing my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting items on the credit report that are incorrect. I have made numerous attempts to correct this matter with them. Sent via unites States Registered Mail RF 451 834 866 US To Whom It may Concern : Social Security number ends in XXXX email : XXXX Pursuant to 15 USC 1681 a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( I ) which is " the term '' credit card '' means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, property, labor or services on credit. '' Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title XXXX Chapter XXXX. The accounts they are reporting that need to be deleted permanently/removed permanently are as follows : Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrowerXXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX  Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX Account # XXXX Account holder not borrower XXXX XXXX XXXX Account # XXXX Account holder not borrower XXXX  XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 without written instructions
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX, I was served with papers notifying me that Tower Loan had filed suit against me. I immediately contacted the Tower Loan office and also filed an answer with the Clerk of Court in XXXX XXXX. I have since made several payments ( which I can provide receipts for ) only to be told I am still past due and they keep adding fees and penalties to my balance making it seemingly impossible to pay this debt off. I had the cash in hand but could not make it on a Friday afternoon in XXXX. I spoke with XXXX and advised him that I could come in first thing that Saturday morning ( note that they ARE open on XXXX ) to which he replied he would " meet me somewhere '' to take the payment and that he was not allowed to take a check or debit card payment by phone. I feel like Tower has harassed me and not been willing to work with me. I have explained to them that I am going through a divorce, lost income and have even been hospitalized. They do not care one bit. They continue to call me from unknown numbers. When I don't answer calls that say " unknown caller '', they leave rude voicemails. In XXXX of 2023, I requested a complete billing history from Tower Loan and was told they would get a copy from their attorney. After not receiving anything from Tower, I contacted their attorney myself. They emailed me a statement breakdown which reflected principal, interest, attorneys fees, late fees, court costs and remaining balance. They did not however show all payments made and where the attorney costs were paid. I have tried to speak with XXXX several times about getting a statement and he only says he'll have to get it from his attorney. Then they were supposed to mail me a copy but I have yet to receive it. The email also states that : " We understand that you may periodically request from our firm an updated balance on your debt. The first such request in any calendar year will be provided to you free of charge upon receipt of a written request for same. However, pursuant to La. Revised XXXX XXXX, this firm charges a fee of {$45.00} for all subsequent balance requests ( after the first one ) in a calendar year. For all subsequent balance requests, please send {$45.00} so that our firm can process your request. '' So, they can charge an individual to get information on their own loan? That makes no sense. It seems as if Tower is trying to hide something. I just want a statement that reflects ALL PAYMENTS MADE - in detail, not just amount paid in. Can anyone help me?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation. Reinvestigate this account : Account name : XXXX XXXXACCOUNT # XXXX Despite previous attempts to resolve this matter directly, I believe there are unresolved discrepancies that warrant further investigation by your agency. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough reinvestigation into this matter to ensure that all relevant information is considered and that any errors or discrepancies are rectified promptly. Please provide all documentation stating lawfully that this would effect my credit or hinder me from obtaining any credit.
Product: Credit reporting or other personal consumer reports

TransUnion is inaccurately reporting charge-off accounts on my credit report, despite multiple disputes and clear evidence proving the information is incorrect. The following charge-off accounts are being unfairly reported : XXXX XXXX XXXX XXXX XXXX XXXX : {$1200.00} | Credit Limit : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4200.00} | Credit Limit : {$4200.00} There are clear inaccuracies in these reporting items : Other major credit bureaus have already deleted these accounts due to a lack of substantial proof to verify their accuracy. This raises concerns about TransUnions failure to conduct a thorough and fair investigation.

Charge-off accounts should not be reporting a credit limit, yet both accounts still display credit limits. This is a clear violation of accurate reporting under the Fair Credit Reporting Act ( FCRA ). 

These errors have severely impacted my financial situation, including my ability to secure a mortgage loan and access new lines of credit. TransUnions failure to correct these inaccuracies has caused unnecessary financial and emotional distress. Under 15 U.S.C. 1681n, I have the right to hold them accountable for willful noncompliance. 

I am requesting that TransUnion immediately remove these inaccurate charge-off accounts from my credit file.
Product: Credit card or prepaid card

I used to hold a credit card with XXXX via XXXX XXXX. At some point I received notification that Citibank had received the relationship with XXXX, and I was sent a credit card in the mail via XXXX. I never activated my account with CitiBank. 

At some point, XXXX placed an annual membership fee on a credit card account that I had never activated. 

As I was unaware of the charge, Citi began charging interest and late fees on this recurring charge. 

I received notification in XXXX of this year that my account would be charged off if I did n't make minimum payments by XXXX. I logged onto the system and paid the minimum payment. At this point, I also attempted to get card member terms and conditions that would show me how a charge could be placed on an account that was never activated. The only way that Citi could share with me the terms and conditions of this credit card is to send me a hard copy in the mail. I have also asked multiple customer service representatives to communicate the date this account was activated, and none have been able to give me this information. One customer service representative told me this would have been automatic when I received the CitiBank card in the mail based on my previous relationship with American Express. Another told me they could not tell me the date my account was activated due to " security reasons. '' To re-state : -I had an automatic charge placed on an account that I never opened. 
-The only charge on this account is this recurring fee. 
-Citbank has been charging me interest and late fees on this charge. 
-No one at Citibank can tell me when I started this account ; in fact I need to call a special number to discuss -No one at Citibank can share the terms and conditions of my account, and these are also not available on my online portal ; I have requested hard copy versions of my card member agreement twice in the past month.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

A collection agency called Diversified Consultants out of Florida keeps placing a collection on my credit file for an XXXX XXXX account. It doesn't show a balance or a date. They have done this twice in the past and I have gotten them to remove it because I've never had an att uverse account. I had XXXX internet years ago that I dont owe anything on. I paid the account and returned the equipment ( which XXXX lost and tried to bill me for and I had to provide a tracking number ) I dont owe any XXXX XXXX  account. I'm trying to by a house and about to close and now they stuck this fraudulent collection on me and it will cause me not to be able to close and cost me thousands in appraisal and inspection fees. 

Please.for the love of God do something about these rouge companies doing whatever they want to collect money and get commissions. They monitor credit inquiries and slap collections on right after as a ploy to force people to pay.
Product: Credit reporting or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. These accounts have a low or XXXX balance. 

Open credit card accounts XXXX XXXX XXXX {$870.00} out of {$800.00} 110 % XXXX XXXX {$310.00} out of {$300.00} 105 % XXXX XXXX XXXX {$880.00} out of {$850.00} 104 % XXXX {$2000.00} out of {$2000.00} 104 % XXXX XXXX XXXX XXXX {$3800.00} out of {$3700.00} 102 % XXXX XXXX XXXX {$1600.00} out of {$1600.00} 101 % XXXX {$1000.00} out of {$1100.00} 99 % XXXX XXXX {$1000.00} out of {$1100.00} 98 % XXXX XXXX XXXX XXXX {$1300.00} out of {$1400.00} 98 % XXXX XXXX XXXX {$770.00} out of {$800.00} 97 % XXXX XXXX XXXX XXXX {$470.00} out of {$500.00} 94 % XXXX XXXX XXXX XXXX {$250.00} out of {$300.00} 85 % XXXX XXXX XXXX XXXX {$240.00} out of {$300.00} 81 % XXXX {$200.00} out of {$400.00} 52 %
Product: Debt collection

Someone used my Social security number, my name, home address, to obtain a Best Buy XXXX XXXX and purchased merchandise. The transaction was said to have occurred on XX/XX/XXXX, Plaintiff : [ Name ( First, Middle, Last ), Address, City, State, Zip ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The plaintiff states the following claim against the defendant ( s ) : Plaintiff Demand:1. 
Plaintiff demands judgment for Claim for Money {$1400.00} WHEREFORE, the plaintiff demands judgment against the descendant in the amount of {$1400.00}, as well as the costs on disbursements of this action in any other relief this court deems just and equitable. 

Plaintiff waives statutory attorney fees. 
NOTICE : This communication is from your debt collector. This is an attempt to collect a debt, and any information obtained will he used for that purpose. 
Dated this XX/XX/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
Product: Debt collection

My is XXXX XXXX I'm a Veteran of the Unites States Army ( XXXX ) The charges on my card are not correct and I made arrangements on some of the charges, I'm request a letter stating their letter to you stating they are no longer reporting any late payments to XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me XXXX  XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX The above company has placed a hard inquiry via Transunion on my credit report.

According to the FCRA under 15 U.S.C Code 1681 ( b ) there were no other permissible purposes of consumer report. Furthermore, I have not given written consent to access my credit report in any other way shape, or form.