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

Due to the Equifax data breach/identity theft there are many unauthorized inquiries and accounts on my credit report that need to be removed immediately. What the bureaus are doing to people is terrible. I go to closing in for a new home in 30 days and this is really holding me the XXXX back! This is ridiculous. According to the FCRA laws I know if I filed a FTC report that whatever is unathorized is to be blocked and removed. Now, CFPB please encourage XXXX, Equifax and XXXX to do their part because if i do not receive a response and those things mentioned on my credit report still exists, I will suing all 3 bureaus.

Please do not tell me that " its not me that authorized this complaint '' because I am attaching my ID, and Social security card. No stalling tactics that harm regular consumers like me! FTC report and FTC letter has been sent and filed and a police report has been filed and an identity theft affidavit has also been sent to all 3 credit bureaus and faxed to Equifax. I have receipts of everything. FTC report reference number is # XXXX.
Product: Credit card

Someone got credit card in my name from Bank of America and XXXX. I noticed the issue on XX/XX/XXXX. Contacted creditors to report problem and both accounts were closed. Bank of America is sending fraud statement. Amounts charged were. 
Bank of America XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my TRANSUNION credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. Please find attached. I had submitted a request previously ( with the attached affidavit, complaint ID # XXXX ) to resolve the issue through the CFPB to no avail. Please revisit and review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was a loyal customer of XXXX XXXX for many years, i never one time was offered any promotions or upgrades on equipment. I called them to see if there was anyway i could get new equipment since the old equipment that i originally had was old and wasn't working properly. one of there representatives transferred me to their supervisor to assist me. the supervisor then told me that i qualified for an upgrade, and that they would send me new equipment and a tech out to hook it up. After a month of having the new equipment i received a outstanding bill for the upgrades that XXXX XXXX supervisor didn't make me aware of or discussed. i also found out that they started a new contract that i never agreed to. When i called to discussed theses matters they kept giving me the run around about my issues, telling me that they would have a someone reach out to take care of the problem but never did. i also made them aware that i was on new contract that i never gave authorization to. I tried reaching out to XXXX XXXX on multiple occasions but fell short with talking to someone that could help. After months turned into years after not speaking with anyone or resolving the issue i then get notification on my credit report that XXXX XXXX sold my bill to a debt collector. the amount of money that they are claiming is unfair and inaccurate.
Product: Student loan

Navient for a year has insisted that I have an unpaid late fee of XXXX. However if you look at my transaction history over the last two years any fees I have accrued were earlier last year and those were quickly paid off. I have over paid on my monthly payments, so it would make sense that I shouldn't have any late fees. I tried contacting Navient directly, but they weren't helpful. When trying to contact them a second time to try to get them to tell me exactly when that late fee was assessed, they haven't answered me. Each billing amount includes that late fee. The fee of XXXX goes as far back as May of last year. I have included my transaction history, the bills from XX/XX/2018 to the present, and the response Navient gave me when inquired about the late fee.
Product: Credit reporting or other personal consumer reports

There is incorrect and inaccurate information on my credit report. My TransUnion and XXXX credit report is reporting a account on my report from XXXX XXXX and XXXX XXXX which is indeed not my account. It's does not report on XXXX at all and would like this account removed. It is not accurate. It is not linked to any address on my credit report at all. I disputed this with TransUnion plenty of times with no resolution. 
And according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at The Bureaus on XX/XX/year>, 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 XXXX 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, credit repair services, or other personal consumer reports

Equifax dont get XXXX in on this false inaccurate credit maniplation by this alleged furnisher i give you promission to investigate the enclosed matter and show proof of payment receipts in writing and all documents requested if not remove this account
Product: Debt collection

Received from the first attempt to be repaid for the amount in excess to the amount owed. Notice of overpayment received. Referred to XXXX at XXXX XXXX XXXX to leave voicemail requesting my refund. No voicemail no email nor check received for the amount extra taken. 

XXXX in excess my income taxes military pay indicates a different amount owed on the bottom of XX/XX/XXXX. 
XXXX from my military pay on XX/XX/XXXX XXXX refund on notice XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE UNAUTHRORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! I have been disputing my Credit File for you to remove the fraudulent accounts and information you report on my Credit File! But despite my multiple attempts my Credit File still includes a number of fraudulent items being reported! I have been requesting that you send me copies of documents you found from your investigation supporting your claims that the disputed items belong to me, and yet I received nothing! It should have been expected that the disputed items be removed from my Credit File since you are unable to support your claims! I demand you to comply with the Federal law, Fair Credit Reporting Act section 605b, and remove the fraudulent accounts and information off from my Credit File. I need you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have been disappointing and failing me multiple times proving the rumors that you are not willing to execute your responsibilities! Under the Fair Credit reporting Act section 605b, I command you to remove the disputed fraudulent accounts and information off from my Credit File!
Product: Checking or savings account

Account was closed with open fraud disputes unresolved resulting from identity theft. Also, Claimed account was dormant, but had direct deposit received and applied to account less than a week ago.
Product: Credit reporting or other personal consumer reports

XXXX account # XXXX is reporting XXXX and XXXX  day late payments on XXXX and Equifax. I spoke to XXXX and stated they do not have any record of my account ever being late. I have sent out numerous letters to XXXX and Equifax to have the late payments removed and i have been continuously ignored by both credit breaus. My consistent payment history reflects my commitment to financial responsibility, making this sudden deviation confusing. I appreciate your prompt attention and cooperation in resolving this efficiently. Accurate reporting is crucial for credit information credibility, and I trust your agency will handle this with the necessary diligence.
Product: Student loan

A few months ago I sent a message to aidvantage asking about setting up autopayment to pay off the interest of my student loan during loan deferment period ( while I'm in school ). I can not find any record of this message, and I asked ( first on the phone, then via the aidvantage chat ) how I could access it so that I can see if there was a response to my message. When I called aidvantage and asked this question and the representative I talked to told me that it is not possible to set up an autopayment during the deferment period. I asked how I could access the communications I previously sent to aidvantage and he became annoyed, acting as though my questions were XXXX. I remained calm, observing that he seemed to be frustrated, and asked politely to speak to his manager, not to complain about him, but so that I could put in an official request to enable autopayments during loan deferment periods. He refused and hung up on me mid-sentence. I sincerely hope this phone call was recorded. So my main questions were : XXXX how can I access the message I previously sent to aidvantage regarding this question, and XXXX. How can I file an official request to improve aidvantage system functionality to include autopayments during deferment periods, so that students are not accidentally saddled with a growing principle due to accruing interest during the deferment period. The fact that interest starts accruing during the deferment period and can be added to the principle is NOT information that is obviously apparent, and can significantly increase student debt without student awareness. This information should at least be clearly communicated, and ideally, there would be an option to automatically pay off the interest during the deferment period so that the interest is not added to the principle. However, the representatives I spoke with told me that this issue would not be addressed : " Auto pay is only able to be signed up while the account is in repayment status. If you are not in repayment status then the auto pay is not eligible to be active on the account. If you would like to make manual payments while being in deferment you can. But the interest rate reduction you receive for auto pay being active is only eligible while in repayment status. That is not something we will update. How did you send the message, was that via chat? " - XXXX from aidvantage chat. Fine, don't include the interest rate reduction, but please at least consider enabling some form of autopay to pay off interest during the deferment period.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX, Equifax and XXXX  Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX Equifax XXXX
Product: Debt collection

A company called XXXXXXXX XXXX XXXX has suddenly called me about a debt they claimed I owe from XXXX. I never took out a payday loan. I called EasyMoney but they said yes there was an application under my social security number under someone elses name but that money was never approved. I also called XXXX XXXX and other payday loan companies and none had any record of a {$300.00} loan and neither do I ; I never took out a loan. This debt collector will also not provide me with a letter. I feel they are trying to scam me by falsely claiming I owe money and threatening to sue me in court.
Product: Mortgage

I closed on my loan XXXX the closer went through the documents, had me sign and was gone. Out of the proceeds my old loan and several debts were to be paid. I kept calling the companies to see if the balances had dropped, nothing. On the XXXX of XXXX after multiple calls I was told there was a glitch in the system and my courtesy checks the payoffs to my creditors never printed and were therefore NEVER sent. I verified had I not called to inquire, I would have been waiting forever, they said true, it was a glitch and they would overnight the checks. The checks arrived on the XXXX I believe, were coming up on a month now that I am paying double interest ( my mortgage and the debts ). Because it took so long one of the bills is paid off so I have a check that is virtually worthless, and the check to payoff my car loan to Missouri XXXX XXXX XXXX XXXX, was made payable to XXXX XXXX, I verified with the Credited Union that they Can not cash such a check!!! After many calls I reach XXXX XXXX at First American Title Insurance Company Mortgage XXXX XXXX, who assured me she would take care of this hopefully by XX/XX/XXXX. It is now XX/XX/XXXX at XXXX XXXX  and I can not reach her nor have I heard from her. I Have a loan that closed almost a month ago with checks totalling XXXX that are worthless to me that I am paying interest on. 

I am at the end of my rope and hoping you can assist. 

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

XXXX - This is a heads up of XXXX selling an account that has been proven NOT mine and removed from my credit report a year ago. 
Today XXXX advised me in the attached screen shot that they have sold an account that is NOT mine to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Take notice it is a Fraudulent account and ALREADY proven. I am attaching the screen shot of email sent by XXXX that they sold it proving I owe NOTHING to XXXX  I am also attaching the Fraudulent XXXX  account that was on my credit report last year XXXX and again was ALREADY removed for being Fraudulent. 
I AM A VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B REMOVE THIS FRAUDULENT ACCOUNT XXXX ENDING IN XXXX was sold to XXXX XXXX, XXXX on or about XX/XX/2023 with a balance of {$XXXX} IF AND WHEN IT COMES IN TO MY PROFILE .... PLEASE REMOVE!
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stated I owed money from an account opened after the statue of limitations and I explained that this account is no longer on my credit report is very old and the gentleman stated that he wad aware but wanted to see if he could still get payment and I asked him not to call again and he was cussing. The account was for XXXX XXXX XXXX XXXX, CBE group is the company. XXXX XXXX is who I talked to and XX/XX/XXXX and they stated they can still legally get money from me.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I've disputed an old student loan from XXXX XXXX that was reporting over 120 days late since XXXX when the last payment was received by XXXX XXXX On my Trans Union credit report it states that the creditor reported the last payment received was in XXXX. 

In XXXX of XXXX, the university allegedly started reporting to Trans Union that my account was transfered to the Department of Education. Trans Union, as of the date of transfer, began reporting the account as closed and was 120 days late. 

I've submitted a letter from XXXX XXXX Loan Collection Department to Trans Union stating the my last payment was in XXXX. I have not made a payment since this date in XXXX. The negative reporting is beyond the seven years, which ended in XXXX, over ten years ago. 

I've disputed the accuracy of when the first payment was deliquent 4 times with Trans Union and every time they conlude that the deliquency began in XXXX of XXXX despite reporting on my Trans Union report that the last payment reported by XXXX XXXX was in XXXX. 

All 4 times of them concluding the information to be accurate, I've spoken to a XXXX representative and explained that the 7 year negative reporting period has passed since XXXX they say the creditor verified the information as accurate. Yet in XXXX 's own report they report the last payment was made in XXXX almost 20 years ago. 

Trans Union has caused me financial damage. I am unable to rent an apartment or obtain a home loan. I need this matter rectified by Trans Union to stop reporting this negative account that has been negative almost 20 years, long past the permissable 7 year statute, which was reported from XXXX to XXXX on my credit report by Trans Union. None of the other reporting agencies are reporting this account at all. Only Trans Union.