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

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I wen to the branch directly to close my personal and business checking and savings accounts XXXX XXXX, I later found out that the accounts were not closed. I have called PNC several times and already filed a complaint directly with them in regards to not being able to close my accounts. I just spoke with them in XXXX about receiving a notice that an account I thought was closed months ago was closed in the negative for fees. I contacted them and was told that they would remove the account charges and I had no more accounts showing open. I am also not sure if they reported negative information on the business account that they failed to close after they closed it for a negative balance. I just received another notice that my personal business account is negative. I asked that all my accounts be closed and contacted PNC several times over a six month period asking to close my accounts. I filed a complaint with PNC and was contacted to say they would address my concerns and I still have another account that is still open and now negative. PNC continued to keep my accounts open after my request and charge me fees that XXXX XXXX and was again stonewalled and told that they could not pull up any information without me providing them the last deposit amount on an account I thought was closed and have no information on. I was told to go to the branch but when I do they told me they can not assist.
Product: Student loan

XXXX - I have multiple accounts with Iowa Student Loan. One is active, payments on time, one is involved in a lawsuit brought against them by myself and the others have been closed/paid in full or charged off. I called today, XXXX and was transferred to XXXX. I have ONE account that it going through litigation, I was NOT calling about this account. I was calling for information on the OTHER accounts being serviced by ISL. XXXX refused me any information on these accounts. XXXX refused to tell me any information about a tax form I ask for from 2018 ( well before litigation ) and XXXX is refusing me information about all my other accounts in which they service. XXXX disconnected the call refusing me information about my accounts, refusing me access to copies of my recorded called and then hung up the call. 

Account information for current accounts not in litigation and past tax information on my account, such as tax forms and questions should not be withheld from me. 

I have attached a copy of all the accounts held at ISL, only the PLP01 ( XXXX ) is in litigation - all others are active or closed. I should not be withheld information on those accounts.
Product: Mortgage

I have an equity loan with BOA for the last 15 years in the amount of XXXX which will endon XXXX XXXX, 2015 with never a late payment. I now have notice from BOA that my newpayment after XXXX XXXX will be XXXX or XXXX times the previous amount. Is this amount? 
fair? I have a XXXX year old father who will be out on the street if this happens.Please adviseme.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX Account # : XXXX I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Product: Debt collection

WHY HAS YOUR BUREAU NOT TAKEN IMMEDIATE AND DECISIVE ACTION TO REMOVE THE FRAUDULENT ACCOUNTS, ESPECIALLY WHEN OTHER CREDIT BUREAUS HAVE ACKNOWLEDGED THEIR FRAUDULENT NATURE AND REMOVED THEM? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN CLEARLY IDENTIFIED AS FRAUDULENT, DESPITE MULTIPLE DISPUTES AND SUPPORTING EVIDENCE? WHAT SPECIFIC MEASURES IS YOUR BUREAU TAKING TO RECTIFY THIS SITUATION, AND WHY HAS THE PROCESS BEEN SO EGREGIOUSLY DELAYED? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am appalled and infuriated by the utter lack of urgency and responsibility demonstrated by your bureau in addressing the fraudulent accounts on my credit report. 

XXXX XXXX -PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXPLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXPLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXXXXXX XXXX-PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

I demand the immediate removal of the fraudulent accounts from my credit report. Your lack of responsiveness and diligence in addressing this matter is not only unconscionable but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the timely correction of inaccurate information. Failure to take immediate action on this matter will compel me to explore all available legal avenues to rectify the damages caused by your bureau 's inexcusable negligence.
Product: Credit reporting or other personal consumer reports

Hard inquiries that i don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

GM Financial is repeatedly violating the FDCPA. GM Financial has reported debt on my accounts XXXX 's without ever contacting me first to notify me of the debts. Additionally, my debts were due to their system failures and deficiets in their customer service and billing departments, which makes their FDCPA violation more eggregious. 

Per the Consumer Financial Protection Bureau ( CFPBs ) debt collection rules as of XX/XX/2021, debt collectors must take certain steps before reporting a debt to a credit reporting company. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Once the debt collector has followed the rules about how to contact you, then they can report your debt to a credit reporting company. 

Unfortunately, we received no notification of any kind that an alleged delinquency had occurred with accounts
Product: Credit reporting or other personal consumer reports

Account name : CXXXX XXXX XXXX I am writing to formally dispute the late payment ( s ) reported on my credit report for my account XXXX. According to my records, the following late payment ( s ) were reported for the months of XX/XX/year> and XX/XX/year>. I kindly request that you provide verification of these late payments, including any documentation that proves I was late during these months. If you are unable to provide this evidence, I ask that you either update the late payment status or remove the account from my credit report entirely. Please respond to this request within 30 days, as I am committed to ensuring the accuracy of my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX : Account number : XXXX, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been accused for having a bankruptcy reporting on my consumer reports. I have been trying for over a year to have this removed from the credit reporting agencies, XXXX and XXXX. I have a letter from the courthouse, stating that they do not report to the credit reporting agencies. They are in violation of FCRA Title 15 USC 1681 ( a ) which Congress states Accuracy and fairness of credit reporting. They are in clear violation.
Product: Credit reporting or other personal consumer reports

Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$850.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Student loan

Since this   XXXX  /Navient loan started, the interest rate is high, balances are not going down, they never told us about repayment options, only forbearance and deferments that add more interest to the loan. W hen one of those pe riods end, the payments always more than double. The original loan was for {$15000.00}, the current balance is {$26000.00} and in 2 years it will be {$35000.00}. The money comes directly out of our checking account every month. Because this is a  Parent Plus loan, they w o n't even discuss moving this loan to our son whose loan it really is. In   XX/XX/XXXX ,  my husband was laid off an d 2 weeks later had a   XXXX   XXXX . We had to do a deferment/forbearance. My husband did recover and obtained a new job making only about 60 % of the salary he used to make. The payment went up after that. We filed Bankruptcy i n  XX/XX/XXXX  and could not get this discharged. On  XX/XX/XXXX , mu hus band had his  XXXX   XXXX . He is currently on   XXXX   XXXX    XXXX  and not sure if he 'll have a job to go back to. We received notice fro m Navient that the  payment was going from {$210.00} to {$460.00} a month at the beginning  of  XX/XX/XXXX . I arg ued with them for quite a while and did get it lowered to {$210.00}. But in 2 years that Payment is going up to {$630.00}. I am  XXXX  and have not been able to get full time employment and work as an   XXXX   XXXX  . My husband is  XXXX  and we have no idea if or when he will recover from this  XXXX . We just need this to go away. All  XXXX  of my children have incurred loans of  $   XXXX   or  more PER YEAR. The totals are ove r $ 100K t hat they each owe. Something needs to be done. There ar e  XXXX  other Parent Plus loans ( because that 's all that the colleges accept anymore ), but with differ ent companies and they are a small bit easier to work with. There needs to be some protections in place for all the Seniors that are getting stuck with these loans. We live in Illinois and hope we can be part of the law suit against  Navient. Because of the  XXXX , we are currently losing our home as well. When I explained that to Navient, they still did n't want to work with us. We ca n't afford this loan.
Product: Debt collection

I XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my baby XXXX. I as that you please remove all these false misleading inquiries from my credit report so I can began to repair my creedit and eventually get my XXXX  a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose.

15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint.

15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : 1.XXXX XX/XX/XXXX 2.ONEMAIN XX/XX/XXXX 3.ONEMAIN XX/XX/XXXX 4.XXXX XXXX  XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XXXXXX/XX/XXXX 6.XXXX  XXXX  XX/XX/XXXX 7.XXXX  XX/XX/XXXX 8.XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this CFPB complaint for you to know that I am a victim of identity theft. The current status should not be shown or re-appear on my file since I was already called the 3 credit bureaus to remove such inaccurate information. Credit Reporting Agencies lack proper record-keeping. The items are closed and when I requested records to prove theyre reporting erroneously and they failed to provide me with any evidence. Lets delete these immediately. The Bureaus are required to delete them all, but they failed to neither remove them. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, remove these items immediately : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXX XXXX Balance : {$630.00} ; XXXX XXXX XXXXXXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax and XXXX conspire together trying to collect DOUBLE of an ALLEGED debt!!! 

XXXX XXXX XXXX {$4400.00} {$4400.00} XXXX accounts reported on XX/XX/XXXX XXXX accounts reported on XX/XX/XXXX Open Account # XXXX {$1000.00} Balance XXXX XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note You recently filed a dispute for this account. 

Check Status Open Account # XXXX {$1000.00} Balance XXXX BANK Original Creditor {$1000.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note See something wrong? 
You could dispute an error with Equifax. 

CAN I SEE THE PERFORMANCE CONTRACT WHERE THEY ALL CONSPIRE TOGETHER,?? WHO IN THEIR RIGHT XXXX MIND WOULD PAY THOUSANDS OF DOLLARS TO THESE XXXX CRIMINALS WITHOUT SEEING A VALID CONTRACT???? I NEVER SEEN SO MUCH XXXX IN MY LIFE!!!
Product: Debt collection

Called and asked for personal information over the phone. Never given information back. Charged {$63.00} unpaid against credit report. Will not tell why they are charging that amount when you call and ask the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have provided proof of my ID, Identity theft report from the Federal Trade Commission. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's XXXX agree to remove the account, however the account was subsequently marked as verified and I was force to negotiate as I'm trying to make a large purchase .My account assigned as account # XXXX by CCS . I have never signed any contract with this company. I sent an offer of {$130.00} to CCS via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and CCS. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, XXXX, XXXX credit bureaus. Deposit or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. CCS contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted CCS several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX and " XXXX XXXX and fax. they refuse to honor the contract.
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 item I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed item. 
XXXX XX/XX/2022