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

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. 


1. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. The following account is not mine XXXX XXXX  Account Number : XXXX Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the Sincerely yours, XXXX XXXX
Product: Debt collection

The company calling me pertaining to this debt, Vericred Solutions LLC, is calling my cell phone repeatedly every single day. I believe they may be calling my wife 's cell phone number as well and I will verify this. They do not have my consent to call my cell phone and they are calling me using an auto-dialing system and leaving recorded messages using an auto-dialer campaign system. An another note this debt is very old. It was an auto loan taken out with another bank going years back. The vehicle was voluntarily surrendered due to medical hardship in my family and the loan was eventually charged off after the vehicle was turned in. Prior to the vehicle begin surrendered the loan was paid each month ON TIME and never missed a payment, as the credit reporting shows. My credit report shows a balance on this loan of XXXX and I question this as as I paid for several years on this loan, with the original creditor, and all payments were on time. This loan has since been 'sold off ' to various 3rd party agencies so I believe the balance has increased due to unfair fees and additional interest which warrants a review to determine if UDAAP laws have been violated.
Product: Credit reporting or other personal consumer reports

Im writing to dispute some accounts and credit inquiries on my report that were added without my knowledge or permission. Unfortunately, after a data breach, my personal information was compromised. As a result, unauthorized accounts were opened, and credit inquiries were made in my name. These actions were not something I authorized, yet theyre still showing up on my credit report, which is affecting my credit score in a negative way.

Despite my attempts to resolve this, these inaccuracies are still present. Its very concerning, not only because theyre damaging my credit, but also because they raise serious questions about the safety of my personal information and the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX Bank 2 ) XXXX XXXX Card 3 ) XXXX XXXX Bank 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX CU 7 ) XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred $ XXXX from my checking account to my Coinbase account.The transfer occurred immediately. My checking account was debited immediately. 

I had made a mistake. I only wanted to transfer XXXX. When I asked Coinbase to transfer $ XXXX back to the checking account I was told there was a hold on the funds for 3 weeks. I could not take any action until XXXX XXXX at the earliest. 

These is no reason for the hold. It is just Coinbase appropriating the float for 3 weeks for their own profit. Maybe also dealing with their cash flow issues.
Product: Debt collection

Enhanced Recovery Co L- disputed this company 2 years ago as a result of fraudulent activity. Debt item was removed as a result. They have re-inserted the debt unto my credit report and have re-aged the debt stating it is NEW. No previous attempts have been made to contact me neither by phone or letter advising me of this unlawful debt neither.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the National Consumer Telecom & Utilities Exchange to place a security freeze on my data report. They said they could not locate my information. I need to have an immediate security freeze placed on my data report, because of the XXXX  breach, someone could open a cellphone or internet or cable account in my name without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my friend sent me {$800.00} through PayPal. They were told adding checking accounts to transfer funds, would take a few days and was given the XXXX for funds to be transferred to me. Days later it said the funds would be available on XXXX. It is now the XXXX and the money is still in pending status. There is no option to accept or receive money. This part is complex as it is and always has to be hunted for rather then just being an option next to money transfer information. 
I ( we ) know that PayPal is making money on interest as they hold this money. There is no reason this should take 8 days now.
Product: Debt collection

I received a notice from my credit monitoring service that Commonwealth Financial has added a derogatory ( collections ) account on my credit profile with XXXX. I have never heard of this company, never received any collections notice nor notice of right to dispute as required by federal ( FCRA ) and California ( CCRAA ) law.
Product: Debt collection

On XX/XX/2022 American Coradius International LLC sent me a notice that I owed {$2200.00} on a XXXX account. I don't owe anything on my XXXX account and I have a XXXX balance. 

Since XXXX is tied to a credit card. Any charges would have been applied to the credit card on the XXXX account, which in my case is an expired card, so any attempts by anyone to use my account would have not gone through to begin with and XXXX would have sent me a note asking for a good card to charge it to. We have not used XXXX for over 6 years. Therefore this an obvious attempt by this company to scam us for this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenitycapital/XXXX bank did an unauthorized hard credit inquiry on XX/XX/23. I received a letter dated XX/XX/23 denying me credit I did not ask for. XXXX XXXX XXXX XXXX. XXXX XXXX. CA. XXXX ph # XXXX XXXX I called could not get past automated responses. Contacted bank by phone they kept asking for an account XXXX after explaining why I was calling was finally told they couldnt help me. This has brought my credit score down. I also found that they did this last year. Credit agencies said I had to dispute this through the bank. Now Im here please help me resolve this. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I started the process of disputing inaccurate and unknown things on my credit reports. To this day over 3 years later of disputing, inaccurate information still is being reported. After challenging the inaccurate information with XXXX, this information was subsequently deleted and removed ( XXXX investigation results attached ) based on the lack of ability to verify the accuracy. I noticed that after challenging the inaccurate information with Transunion and XXXX, they verified this inaccurate information. It is my understanding that the creditor reports the same information to all credit bureaus as stated under the FCRA. I feel like I'm being taken advantage of and being ignored by my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted buy the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Student loan

During my investigation, it has been brought to my attention that I have been swindled. The federally mandated disclosures and instruments were not provided during the initial communication of the agreement. I suspect that my identity may possibly have been stolen and that a possible crime has been committed by your corporation. Please see attached documents and Identity Theft Report. I have requested validation and no documentation has been provided. My right to privacy has been invaded because of this unauthorized use and permissible purpose has been violated due to sharing of these alleged accounts.I have attached FTCReport, Affidavit of Truth to Navient and Attorney General of Texas complaint.
Product: Debt collection

I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX  credit card opened on or about XX/XX/XXXX 3 ) XXXX XXXX XXXX ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX Self Lender opened on or about XX/XX/XXXX 6 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXX XXXXXXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX self lender opened XXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 4 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 5 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX 6 ) XXXX XXXX XXXX opened on XX/XX/XXXX 7 ) XXXX XXXX XXXX lender XXXX on XX/XX/XXXX XXXX ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are XXXX fraudulently are listed below 1 ) XXXX XXXX XXXX opened XXXX XX/XX/XXXX 2 ) XXXX XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXXXXXX XXXX opened XXXX XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX contract with the Department of Education to service Direct Loans ended however, XXXX is still reporting Direct Loans on my XXXX and Transunion XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent/instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that Gateway was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also Gateway should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021, I disputed inquiries from XXXX XXXXXXXX XXXX XXXX ( XX/XX/2021 )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NA ( XX/XX/2021 ) with Experian to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. Experian failed to investigate this matter, and as a result, my credit has been adversely impacted. Experian failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I disputed an inquiry that Experian allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Following 3 hard inquireis on my credit file are a case of ID theft. 
Both of them were not authorized by me. 

1. The inquiry was not authorized CAPITALONE Date of inquiry : XXXX2023 Please remove it from my credit report. 
2. The inquiry was not authorized CAP ONE AF Date of inquiry : XXXX/2023 Please remove it from my credit report. 

Please remove them from my credit file.
Product: Student loan

Predatory lending Practices : AES told me to make XXXX consecutive on-time payments - made under false pretense This month XX/XX/XXXX, I am to make my final payment to AES for a private student loan. However, regarding my federal loans, AES was dishonest in its practice where a negligent AES representative lied to me about the loan term, making this unfair lending practices. 

What happened? I have worked for the government for close to XXXX years. XX/XX/XXXX, I called AES and requested to get on the " public service loan forgiveness '' program. The AES rep told me to sign some documents ( IBR ), get them back to AES- and then all I need to do is make 120 on-time payments to AES and that 's it. The woman even told me, " not to worry about providing proof of employment stating " you can do that at any time ''. So, I put all my efforts to make sure that loan was a priority in addition to my other private loan with AES. Twice I was ensured I was on the public service loan forgiveness. Lots of penny pinching. 

After XXXX consecutive on-time payments to AES, I called and asked for a 1 month forbearance, asking if this would interfere with my 10 year consecutive on-time payment requirement. I was told - I had been paying on the wrong loan repayment program, that AES DOES NOT EVEN OFFER the PSLF. I have to start over at payment ONE by transferring these loans out of AES and into the hands of another company : Fed Loan. Do you have any idea what this feels like - the absolute agony of starting over at month one, especially as I am approaching retirement? I am beyond mad. 

I filed a case with the ombudsman, but AES denied all wrong. I am asking that someone help to find a way to make this right. I need assurance that those XXXX lost months do not interfere with my life- I am very concerned about this now.
Product: Debt collection

Pulled credit report. Found a suspicious entry on my credit report for a LVNV Funding LLC . After writting the collection company and LVNV Funding LLC informing them that I 've never heard of them ; never used any products or services from them -- they refused to removed the information from my credit report. 

I do n't even know who LVNV Fudning, LLC is nonetheless used a product from a bank called : " XXXX XXXX ''.
Product: Checking or savings account

On XX/XX/2023 I was at the XXXX XXXX Truist Bank and used their ATM to withdraw {$180.00}. The ATM never dispensed my funds but the money was completed on my banks end. I am stuck in the XXXX airport for the XXXX day as I needed these funds to travel. I went to the branch manager who was extremely dismissive. I need these funds released back to my account so I can go home.
Product: Debt collection

Took out a payday loan from Ace cash a check in XXXX XXXX, TX.paid back, then took out another, could not afford to pay back, tried to set up playment plan, they told me I could no longer pay them, the debt went to some other company, that company has been sending me harassing e-mails, threatening to sue me and garnish my paycheck and jail time, I also get phones calls from this phone number XXXX and now they are calling my job from XXXX and being very rude and threatening. I can set up a payment plan, but I do not trust the people calling as when you call those numbers back nobody ever answers!! Please help to what I need to do
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted major concerns regarding Equifaxs failure to conduct proper investigations. The CFPB has alleged in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, failing to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a complete reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be corrected or removed promptly. Failure to comply with these requirements constitutes a violation of federal law. 

I am disputing the following unresolved negative items on my credit report : XXXX XXXX XXXX - XXXX - {$7400.00} XXXX XXXX - XXXX - {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$600.00} XXXX XXXX XXXX - {$520.00} Despite my repeated disputes and submission of all necessary documentation, these items remain unverified. This inaction has caused significant financial harm and emotional distress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I inquired about the cost of a new roof for a home I was wanting to buy in XXXX XXXX, FL. The roof had to be replaced before insurance would accept it. I contacted XXXX XXXX XXXX and the sent a " drone '' over the home and gave me an estimate, { in person } for XXXX. I told the gentleman that I did NOT own the home and was looking for prices at that time. He in turn told me in order to honor that estimate, I needed to sign it, which I did. This company turned around and sent a application { that neither myself nor my wife signed } to Wells Fargo and they approved a " Home Projects Card '' in both or our names for the paperwork the roofing company sent them. This home was the only one that we could afford at that time. People were paying XXXX - XXXX over list price which we could not afford. XXXX XXXX XXXX showed up to install the roof and over charged for materials they never used. The credit card had NOT been activated and was rejected by myself which the roofing company was not paid. I argued with Wells Fargo about the unauthorized application and they just ignored me and my attorney. The card was not activated until quite some time afterwards only due to the roofing company putting a lien on my home. They had to be paid before the lien was lifted. I have doc 's and paperwork. 
I asked Wells Fargo to rewrite the loan and remove the card because it destroyed my credit rating due to 98 % usage. This card and / account was not authorized by me.