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

While checking my report I noticed that there was an account that was active on my report that did not belong to me. I tried to contact the company who stated that they will investigate this matter. I believe that my identity has been compromised and impacted in a data breach, and I would like for this to be corrected and for my information to be protected. 


XXXXXXXX XXXX  date opened XX/XX/year> balance of {$1100.00} This is NOT mines, this a fraudulent account and according to the FTC, it is my right to fair and correct reporting and my identity should be protected.
Product: Credit card or prepaid card

I got a mail saying that there is a credit card open in my name. I never opened this card. It is from fanboy. First National Bank of Omaha. The number listed XXXX is not that banks number. When I called they asked for my birthday and other info. I dont think these people are the actual fnbo. They hung up when I asked more questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that several items were not update & false information still is reporting via Credit Report Bureaus. I've reported that Late payments listed on Accounts are inaccurate, due to being a certified victim of ID/Credit theft & Tax fraud XX/XX/2022 onward. Unfortunately, several items remain erroneously reporting and adverse penalization is continuing to harm me as a consumer due to these misreportings. 

XXXX is still being charged to Remove Late payments on All Accounts from XX/XX/2022 - Mark No Data ( is acceptable ) instead of Late. As my personal information and privacy were breached during this breach & the information in those reporting is accurate. 

I've provided verification with IdentityTheft.gov reports, Police Department Report and am seeking necessary steps to ensure the bureaus are held accountable to honor what the experts with Fraud Departments at IRS, Police Department, Attorney General, XXXX XXXX XXXX XXXX and other Fraud Agencies are too. 


XXXX & XXXX XXXX both touch on the responsibilities of Credit Reporting Bureaus/Agencies and their fiduciary - Duties to uphold pertaining to the rights of consumers having accurate information on file for them.
Product: Consumer Loan

I signed up for the real estate investor 's education with XXXX. XXXX has a relationship with the Universal Account Servicing ( UAS ) to finance the tuition. When I got the call from UAS asking me to verify my address, I told them to send it to the address they received from XXXX if they are associated with them. 
I received XXXX letters dated XXXX XXXX ( please see the attachment ). The first XXXX had the privacy policy. 
The second letter was dated XXXX XXXX, but the first payment was due on XXXX XXXX. 
The first bill received on XXXX was for the period of XXXX to XXXX ( 13 days ) and it already had past due amount of {$200.00}, interest charged {$35.00} and payment for those 13 days also {$200.00}. There was the new amount on the loan too. 
When I called them on XXXX to talk to them thinking without any doubt that they will correct all these errors on the spot, I was in for a big surprise. In a very impolite and unprofessional manner, they refused to correct anything, they said that the charges are justified and that they are in business of making money on charges, so there 's no way they will wave any of them even though it was the first bill. It is important to mention that they 're calling me every day several times, from early in the morning, while I 'm at work, but when I call them back, they are very uncooperative ( I have also attached the list of their calls ). I tried calling several times asking to talk to different people ( XXXX ext XXXX, XXXX ext XXXX, XXXX ext XXXX ), but I was never able to reach these people at these extensions. The last time I called and they told me they are recording the conversation, I said that 's a good idea and I will be doing the same because they are so unprofessional and not very knowledgeable in my opinion, and they simply hang up on me. I wonder how legitimate is this business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 items 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, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$150.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXX XXXXXXXX Balance Owed : {$0.00} Medical XXXX Balance Owed : {$90.00}
Product: Checking or savings account

I Have A XXXX Dollar check and my Bank Will Not let me cash it reasonably Executive Member even stated he would not Cash the check by mail Either and Would not allow me to cash my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX and XXXX, account number # # # # # XXXX, date XX/XX/2020 has violated my rights. 15 U.S.C. 1681 section 602 A- states that I have the right to privacy. 15 U.S.C. 1681 Section 604 A section 2 -- also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have been sent to collections for a {$30.00} payment which I should not be responsible for. At that time I was covered under the state of Nevada  XXXX and had no copay for any XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Amsher Collection Agency collecting a XXXX disputed debt. The employee, XXXX, was abusive and bullyish. There were other ways to look up my account and he was very rude insisting that I had to give him my whole SS #. When I refused to do that he lied and said I had to. When he found my account using the phone number he said i had to call a different number. I asked him to wait a moment while I went to my desk to get a pen. He said call us back when you have a pen and hung up the phone. The amount I owe is small, I do n't even really owe it - this man was beyond rude and completely unsuited to this line of work. I called back and XXXX XXXX took care of me. Offered no apology regarding his employee 's abusive attitude. 
I can only imagine how bad someone with a real and large debt would feel about this company.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the EXPERIAN. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report because I am trying to buy a home and I seen that someone has been using my identity for accounts and utilities. I have never lived in XXXX XXXX XXXX , XXXX, TX XXXX or done business in that state. I do not recognize the inquires and companies : XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX # XXXX, XXXX XXXX # XXXX. I in the process of securing my credit files, and personal Identifiers with XXXX XXXX, Trans Union, XXXX, and XXXX  I had to file a complaint with the FTC as well. It is possible that someone is still using my name and information.
Product: Credit reporting or other personal consumer reports

Dispute Explanation Regarding Account # XXXX I am writing to formally dispute the account listed above, as it is not mine and has been erroneously reported on my credit file. Additionally, this account has been reported beyond the legally permissible time frame outlined under federal credit reporting laws. 
Key Points : Account Does Not Belong to Me : I have no knowledge of, nor any association with, this auto loan account. I request immediate verification of ownership, including the original contract and documentation proving that I opened or authorized this account. Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I have the right to request all information used to verify the accuracy of the reported account. 

The account from XX/XX/year>. According to the FCRA, 605 ( a ) ( 4 ), derogatory accounts such as collections, charge-offs, or accounts listed as bad debt must not remain on a credit report for more than XXXX years from the date of first delinquency ( DOFD ). Given that the DOFD was before XX/XX/year>, this account is outside the seven-year reporting window and should have been removed from my credit report. 


This account has been repeatedly reported without proper validation. According to FCRA 611 ( a ), upon disputing an account, the credit reporting agency is required to investigate and ensure the account is accurate. If the information can not be verified as accurate, the account must be removed promptly. 


The continued reporting of this erroneous and outdated account violates the provisions of the FCRA and causes undue harm to my credit profile. If this account can not be verified and validated with clear, accurate, and documented proof, it must be deleted immediately to comply with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report inaccurate information on my credit report. Initially, this company was reporting two separate accounts for the same apartment complex in the amounts of {$2000.00} and {$2100.00}. I disputed through the credit bureaus several times, yet they kept stating the accounts were accurate. On several occasions, I have asked this company to provide validation, not verification however, they have failed to do so. I filed a dispute with the CFPB and attached the judgment for the apartment complex they are trying to collect and they finally decided to delete one of the accounts stating it was a " duplicate '' which is completely false as the accounts they were reporting were for different amounts. I do not understand how this fraudulent company feels they can report what they want, when they want without providing accurate information. Also, the judgment that was granted for the apartment is {$970.00}, but this company is requesting {$2100.00}. It is not legal for them to override what a judge ordered. At this point, this fraudulent company needs to delete the account immediately or I will take legal action as this a violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of fraud my identity was used to get this account i filed a report sent in the requiring documents it says it was being investigated
Product: Mortgage

hi there, this is XXXX XXXX XXXX, legally & literally the owner if the property and the third authorized third party. the house is under XXXX XXXX  name of XXXX XXXX and my nephew XXXX XXXX. The home mortgage is under their name but soon will be refinance soon since the home is legally & literally under my name and XXXX who pays in reality. The reason weve behind due to serious construction to the basement that cost a huge amount due the flood. My nephew XXXX XXXX is only concern to us but in reality he is nothing to do with our mortgage payment issues. And so with my brother XXXX XXXX XXXX appealing to your good office that the investigation reported by XXXX was lie on XX/XX/XXXX, i am asking for a XXXX XXXX but it took almost an hour conversation to be approved hand XXXX told XXXX that i will start making a payment on XX/XX/XXXX for {$4000.00} but it never went through for approval and the reason it stopping him to approve is due to my pending loan assumption.. I wasnt not aware on the start date on XX/XX/XXXX. it should comes with documents approved signed with payment plan, but we dont get any. 

And I also spoke XXXX XXXX XXXX XX/XX/XXXX, he told me that i need to put a down payment of {$5700.00} in order for me to have a Payment Plan, need to receive, and i told him that i will provide the amount in ir before the end of this month XX/XX/XXXX, And when i spoke with him, he never told me i i have to pay the {$4000.00} and need to receive on XX/XX/XXXX. 

The biggest problem with them, they are not consistent with the XXXX XXXX. 

We need a fair & equal treatment to have the informative not inconsistency in order for us, where to place ourselves, we know our status. We deserve to know the updated information, still need their agent to be trained & systematic. 

attached case closed which agent telling about the date to be received the payment of {$4000.00} on XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX CMRE Financial Services contacted me by letter about a medical bill. I wrote back that it was disputed because the amount was seriously in error, due to a long series of mistakes by the health insurance company. I wrote CMRE five times between XX/XX/XXXX and XXXX, giving each time the best information from the health insurance company, each time offering to negotiate a settlement based upon the best current information, but they have not answered any of those letters. 

My letter of XXXX gave an amount owed which seems to have corrected the large errors that had persisted, so that the account could finally be settled, and I informed CMRE that if they would send a letter stating that if the indicated amount was paid immediately, and they agree to delete any information they may have posted with the credit bureaus, I will immediately send payment.

I have gone to great lengths to get the correct amount resolved, including a grievance with the health insurance company and a complaint to the California State Department of Insurance, however CMRE has not responded.

In my letter to CMRE on XX/XX/XXXX, I said if they will send me the requested acknowledgment letter to close out the account the matter will be resolved, but they have not responded.
Product: Student loan

Every time I call NelNet they give me different information. When I called in XX/XX/year>, I was told I should submit an income driven repayment plan application, which I did. Apparently, they only applied that to one of my loans. In XX/XX/year>, I started getting emails from NelNet saying that my first payment would be due in XXXX, and that it would be more than {$3700.00} per month. That conflicted with what was showing on my account, which is that I would have a roughly {$900.00} payment per month. After calling NelNet multiple times and being on the phone for several hours in XXXX, no one was able to figure out why I was getting emails saying my payments would be over {$3700.00} per month. Also, I was told that I was going to be put in administrative forbearance due to the ongoing litigation over the SAVE repayment plan and because I had submitted an income driven repayment plan. But my account never reflected any of that information. To be safe and make sure my bases were covered, I submitted another income driven repayment application in XX/XX/year>. 

Through XXXX, I continued to get emails indicating that my first student loan payment would be due in early XXXX. That conflicted with what I had been told about going into administrative forbearance. I called NelNet again on XX/XX/year>, to confirm I was in administrative forbearance while my income drive repayment application was being processed and to confirm that I didn't have any payments due. 

I was told that my XX/XX/year> application had only been applied to one loan. I was also told that my XX/XX/year> application was not going to allow me to go into administrative forbearance because it had not been submitted in the right time frame. I was told that that time frame should have been within ten days of my first payment date. But the problem with that is 1 ) my first payment date is in XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year>, 2 ) there is no information anywhere about the income driven repayment application needing to be submitted within a certain time frame in order for borrowers to go into administrative forbearance, and 3 ) NelNet had already told me I was in administrative forbearance. Apparently, NelNet was not going to put me in administrative forbearance despite the fact that I had already submitted two income driven repayment plans because I was too proactive and applied too early. I was told that I could only get the administrative forbearance if I applied within 10 days of my first payment date. 

By sheer luck, I had called within 10 days of my first payment date ( XX/XX/year> ). With the customer service agent on the phone, I submitted a third income driven repayment application. She told me she would put me in administrative forbearance today ( XX/XX/year> ), and that if I called again tomorrow, any agent would be able to see that on my account. But given the fact that I get different information every time I call, and that they are imposing policies on borrowers without actually having that information publicly available, I have no way of knowing if I am properly applying for a new payment plan.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$880.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian is inaccurately reporting data on my credit report that does not belong to me. I am a victim of identity thief and these companies has been advised with a copy of the ftc report along with a police report. 

XXXX XXXX XXXX shows a past due balance of XXXX XXXX shows a past due balance of XXXX XXXX XXXX   XXXX shows a balance of XXXX Per FCRA accounts that has been charged off should not report with a past due balance. This is inaccurate reporting
Product: Student loan

Pioneer credit recovery has been harassing me via phone with non stop calls. They are calling my job discussing my debt with people on my job and call people at home, They are calling the human resource director at home and now I may lose my job. Please help. My name is XXXX XXXX. Student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX  and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX. have. been paid off. Please update my credit report. Both account have been write off see IRS. 1099c The collection XXXX XXXX acct XXXX for $ XXXX-listed on my credit report is fraud. please delete under 15 USC 1681 A XXXX was previously removed. please delete them off all my credit reports.
Product: Credit reporting or other personal consumer reports

There are 2 accounts that DO NOT BELONG TO ME. 

XXXX. XXXX XXXX XXXX- {$650.00} This has been on my Consumer report for over 6 months now. Everytime I submit a complaint I get ignored or told that the account is rightfully mine without any one demonstrating any proof as to how they came up with this information. I was never notified of this debt and it does not rightfully belong to me. There are other people locally that have the same name as me seeing as it is a very common First and Last XXXX name where I come from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance - XXXX This account never belonged to me, and when I called in and spoke to a representative they told me the easiest way to get this removed from my consumer report would be to pay the debt off in full which I was reluctant to do seeing as I never defaulted on an account with this company. I have many properties and would have known if that was the case. I paid this debt off and they promised it would be removed 30-45 days after payment was processed which was a lie because it is still on my consumer report. I have the recording in my possession which can confirm what I was promised and how I was misled into paying off an account that never belonged to me which is ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX ; XXXX ; XXXX that I sent a on ( XX/XX/2022 ) to Investigate the Erroneous Accounts XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} that are UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days and yet the problem are still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Passport and Social security card to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.