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

In XXXX I filed a dispute with experian about transworld. They put a bill on my credit report. My information was not correct the company never notified. I been a victim of several data breaches. I informed them that I wasn't in KY or XXXX XXXX. They have My address on file. Yet they ask for me to send my personal information after it was a data breach with the credit bureaus my information was compromised. It wasn't properly investigated. I wasn't properly notified and wasn't able to dispute it. Based on the email it was sent to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cfpb Why aren't you doing more to enforce consumer rights under the FCRA and FDCPA? Over the last year, I've been led to believe that my credit report has been irresponsibly tampered with. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've been disputing these accounts for the past two years, and XXXX, XXXX, and Experian have not provided me with substantial proof of validation that they claim they've received. 

I have made several attempts to remind XXXX, XXXX, and Experian of their obligations under 15 USC 1681. It appears that they are being deliberately and willfully negligent in resolving my issues. 15 USC 1681e ( b ) guarantees that I am due and promised accuracy in my report in accordance with federal law. This is yet another attempt to have these errors on my consumer report corrected According to I5 USC 1681 ( A.5 ), all unverified information must be promptly removed following the reinvestigations. You can see in your system that these accounts have previously been disputed without being thoroughly investigated, so I know they can not be verified or validated. '' I demand that the accounts be deleted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602A states I have the right to privacy. And according to 15 USC 1681eb they are suppose to ensure this whenever the consumer reporting agency prepares a consumer report.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Can you review the documents? Some accounts have incorrect reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and i went to all 3 credit bureas to get the fradulent items removed from my credit but the only bereau that has removed all the negative fradulent activity is XXXX they did an investigation and it did show that it was indeed fraud. the problem is i have contacted experian and XXXX  for the past 3 months and they have not removed what XXXX  has removed from my credit, i have called, and mailed them numerous times and they dont make these changes.
Product: Payday loan, title loan, or personal loan

borrowed XXXX do not agree with payment agreement due to loan sharking activities for such small amount. trying to make pay XXXX dollars .will be willing to find affair resolution to this exorbitant amount of interest that they are asking for yours truly XXXX XXXX let be known it was done due lack resourses when I requested help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account bankruptcy, XXXX XXXX discharge.. XXXX Account XXXX .. XXXX Account XXXX  XXXX Account XXXX XXXX XXXX .. Account XXXX  # XXXX. Account XXXX # XXXX has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) (
1 ) A person shall 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 card

I received an offer to apply for the Synchrony Bank BP Credit card. I spend alot of money at XXXX XXXX XXXX in my area and could use the rewards that were offered. I, therefore, applied for the BP Gas card on XXXX XXXX, 2015. I was immediately told to call to finalized my credit application because I had an fraud alert on my Transunion credit report. I called and was told by the representative that I had to be verified by receiving an text to my phone. I gave my number and received an text. However, I did n't get all XXXX digits correct because I am partially XXXX. I was told I would receive an letter in 7-10 days. I felt I was being declined so called the next day in an attempt to be verified again. I was told I had to apply again but did n't know that my XXXX credit report had to be pulled again. I ended up with XXXX inquires in less than 24 hours. I was eventually verified but was told that once again I would receive an letter of the decision in 7-10 days. Well, I received XXXX letter stating that Synchrony Bank did n't feel comfortable approving my credit application. A few days later I received an denail letter stating that they did an manual review and also pulled my XXXX credit report to now decline me because I had too many accounts. Well, I am rebuilding my credit here. In addition, I felt the analyst seemed to be on an witch hunt to decline my application. Also, The letters of decline stated I was asked questions to verify my identity. This is false because I was never given an choice. Most banks would of given me the opportunity to verify my identity by sending in documents such as an driver 's license, utility bill and social security card for example. I feel I was n't treated fairly here at all! Most people who apply for this card only receives XXXX credit inquiry not XXXX inquiries. I have filed multiple complaints and warn others to stay away from this bank! They are suppose to be helping people improve their quality of life not looking for stupid reasons to decline credit applicants. The sad thing about the situation is that I carry a few of their other credit cards such as Walmart, XXXX & XXXX, Amazon, Gap card and HH Gregg credit cards. This bank needs to understand that when consumers apply for their credit cards the consumer wants and need these services. In essence, I was n't denied the credit card because of my credit. It seems that I was denied because I had an Fraud alert because someone tried to change my address back in XXXX of this year! This in my opinion was very frivilous reason to deny an consumer for credit!
Product: Checking or savings account

XXXX XXXX, XXXX XXXX and XXXX XXXX prohibit me from being able to access my account funds. They assist identity thief XXXX XXXX XXXX XXXX XXXX XXXX with the theft of my identity and account assets. Please see attached email attachments. 



On XX/XX/2021, I deposited a {$460.00} check. The NFCU confiscated the check. 

It communicated to me that the proceeds would be applied to the checking account outstanding balance and the credit card 's outstanding balance. I had previously requested payment arrangements for both accounts. I was informed that because there weren't any payment arrangements on file for the accounts, the deposit could be confiscated and applied to the outstanding balances. The payment arrangement requests were denied because I am XXXX XXXX. My account has been defrauded in over {$30000.00}, in credit and debit card authorizations, by XXXX XXXX, XXXX XXXX, XXXX XXXX and the employees of the XXXX XXXX XXXX of the Navy Federal Credit Union because I am XXXX American. I requested written documentation of both debit and credit card authorizations and were denied this written documentation because I am XXXX American. I was told that I have been permanently restricted from the NFCU because I am XXXX American. I was told that I can't call into the NFCU because I am XXXX American.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was effected by the eqaifax security breach at the time of the breach I was buying a home and all my personal info was exsposed including ssn dob drivers license number and bank info. Theives have opened credit cards in my name taken over my bank account which has caused me to fall behind on my mortgage and Im now facing foreclosure. I have contacted the credit bureaus along with the card companies trying to get things fixed and have had no luck I can even get eqaifaxs identity insurance to file a claim to help me get some of my losses recovered
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate information onmy credit report.
Product: Checking or savings account

People posed as XXXXXXXX XXXX  that service would be disconnected and scammed {$440.00}
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I applied for and received a loan from Leap Credit. The interest rates were high, however the payments were made for the account. On XX/XX/XXXX I received an email stating Leap Credit had reduced their rates, and in line with the change I would be receiving a refund in the amount of {$600.00} to be processed immediately, and I would receive it within 2-3 business days. There was no prior notification that a refund would be issued, and if there had been I would have informed them that the bank account used with their company was no longer open. I placed a call to Leap Credit on XX/XX/XXXX, and indicated that the refund was never received and the issue of the bank account on file being closed. I was told the information had to be reviewed by another department. I received an email asking for a bank statement to verify that I never received the refund. Again, the bank account was previously closed, and therefore I do not have and do not receive statements for this. I called again to let them know this. I was told the information would be reviewed. I did not receive an update, and called back on XX/XX/XXXX. I explained the situation again, and at the time the representative took my new bank account information to save instead of the old, closed account. On XX/XX/XXXX I contacted their customer service again, and was informed there were in fact 2 refunds issued, one for {$600.00} in XX/XX/XXXXbut also one for {$140.00} in XX/XX/XXXX that I also did not receive due to it being sent to that old, closed bank account. I was told in their system the payment of {$140.00} did show as returned to them by my bank, but the {$600.00} did not. I was advised yet again that the finance department would review the information, but until then I would not even be reissued the refund that they could clearly see I did not receive of the {$140.00}.
Product: Credit reporting or other personal consumer reports

Dear reader, The FTC alerted me on this day that it has been beyond 5 days since the initial receipt of our Identity theft submission. I've followed all steps instructed by both governing agencies FTC as well as the CFPB, pursuant to FCRA law ( 605b 15 usc 1681c 2 ). My consumer report and personal identity has been compromised by the XXXX breach and because of that accounts have been created against my will and have damaged me unconditionally and indefinitely. 

This is not a request for verification, this is a follow up to a submission for expungement/blocking of fraudulent items you have listed on my report. 

I am submitting this document for the expungement of the information disclosed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. I am demanding that you delete all fraudulent accounts, by federal law you are required to move all accounts from my consumer report without prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never heard of this company until I was recently applying for an auto loan and was turned down. I received a letter in the mail from a company called XXXX who said they relied on information from a reporting agency called SageStream LLC. This company had my credit score at over 250 points LOWER tha

n the 3 major bureaus for reasons that were false. 1. Said my area code on my phone number is not correct for my address. My area co de is
XXXX  and I live in XXXX Kansas  - the only area code for this area is XXXX.

2. Said length of time at address insufficient. Since when is 6 years not long? 

Plus other information about my credit that was false. In order to get a copy to dispute, I had to send them a copy of my drivers license. That was almost 2 months ago and they have never acknowledged me or sent my report. When I XXXX their name it appears everyone else is having the same problems and are calling them a fraudulent company who purposely understates score so lenders can charge more interest. Please protect consumers and shut down this fraudulent company who does not accurately report on information that is even relevant for a good credit score. Their low-scoring items are unrelated to how I pay my bills and are not consistent with any other credit reporting scoring system. 

Now they have my drivers license and Im afraid its a scam!
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, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/23, Mohela sent me a letter which stated that in light of my recent Public Service Loan Forgiveness certification, I had been placed in an administrative forbearance until XX/XX/23. 

I operated in reliance on that letter. 

Well over a month before that forbearance period had ended, Mohela sent me a notice that I have a past due payment and now owe {$730.00}. 

I have requested that Mohela take immediate action to rectify this erroneous billing practice and to ensure that my credit has not been negatively impacted. 

It is unacceptable that payments were assessed during a Department-mandated forbearance period which are now being characterized as overdue and potentially impacting my credit. 

This strikes me an attempt to intimidate borrowers into making payments to which Mohela is not legally entitled ( due to the forbearance ordered by the Department ). In my view, this billing practice constitutes fraud on the part of the servicer, which warrants legal action. I suspect that this practice is being used on a systemic level against all PSLF applicants. 

The Bureau must take action to address this and to ensure that Mohela is not engaging in fraudulent billing practices as it relates to PSLF applicants.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian must not furnish inaccurate consumer information on a consumers report.Experian must investigate a consumers dispute that the furnished information is inaccurate or incomplete.Provisions of Section 623 of the FCRA including the duty to provide accurate information.
Product: Credit reporting

while reviewing my Equifax credit report they listed on it an account for real estate at {$56000.00}. I have no loan for real estate. The house I purchased in the past was handled through Chapter XXXX bankruptcy. I would like to have this investigated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i was taking at look at my credit report and i notice Fedloan servicing which is the company thats on my credit report was open back in XXXX and it has passed the which legal expiration date of 7 years ... i notice that they are re-aging the last activity which is a violation and causes damages to my report i will like for these outdated student loans to be removed ... i have requested this numerous times with the bureaus but no response ...
Product: Debt collection

I checked my credit report and upon doing that it came up " XXXX XXXX '' when I called they had no reasoning for the charges they say they can not see the information. Upon researching it is a medical bill for a XXXX/ XXXX XXXX that I did not have.
Product: Debt collection

I have reached out to Conn Appliances too inform them that is not my account, and they did not send me signed contact that I ask for or any information that this was my loan {$7400.00} Conns just put in on my Credit.
Product: Credit reporting

- I Got a TransUnion Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent TransUnion a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - TransUnion received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from TransUnion to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to TransUnion with a copy my Debt Validation/Dispute letter to XXXX XXXX XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the XXXX XXXX receipt of the Debt Validation/Dispute. 

- TransUnion received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the XXXX XXXX XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 TransUnion is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It XXXX Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my TransUnion credit report immediately.
Product: Mortgage

Client wrongfully denied a XXXX HAMP loan modifcation. He was denied by PHH Mortgage because they say he did not successfully complete a previously HAMP offer. He never accepted or was offered a previous HAMP modification.
Product: Credit reporting

On XXXX/XXXX/2016 I sent a certified letter to TransUnion through the XXXX Office. By way of returned receipt of signature, they received this letter on XXXX/XXXX/2016. This letter was regarding the removal of credit inquiries that were not authorized by me in any way. As I understand it : The FCRA states that the only permissible purpose for pulling someone 's credit report is : a. ) firm offer of credit, b. ) insurance, c. ) employment or, d. ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX 2. XXXX 3. XXXX ( 2 times ) 4. XXXX XXXX 5. XXXX ( 2 times ) 6. XXXX XXXX XXXX. XXXX I pulled my credit report this morning and TransUnion is still reporting the above inquiries. As this is day XXXX since they received my request and all they provided me was a copy of my credit report indicating the above referenced inquiries have been verified. Yet, they failed to provide me with verifiable information substantiating that these inquiries were indeed accurate and did not do so within 30 days. 

Due to all of the above, I need your assistance in contacting TransUnion for the removal of the inquiries detailed.