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

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by ChexSyste ms &  XXXX . This is p reventing me from communicating with other financial institutions.I 've advised   XXXX   XXXX   XXXX   XXXX  this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the   XXXX   XXXX    XXXX  account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with   XXXX   XXXX   XXXX   XXXX  and still has yet to be assigned to  an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoe ver noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Im writing to complain about Transunion and   XXXX   not removing a public record. I called to verify with the courthouse in  XXXX , Ga and spoke with  two reps,  XXXX   XXXX  and  XXXX   XXXX  who told me that the  Us  court does not report bankruptcy to the credit bureaus. I reached out to all three bureaus sharing this info with them and asking them to remove the bk.   XXXX   removed it however the other two claim they verified the info thru a third party. I have since contacted this 3rd party (    XXXX   XXXX    )  on three different occasion to see if either Transunion or   XXXX    called and verified this public record and all three times they said no.  XXXX ,  XXXX  and  XXXX  are the months ive sent three different letters to these  two  credit bureaus asking them to remove these public records due to it damaging my credit profile. In  XXXX  I was turned down for a mortgage due to bankruptcy. If the  Us  bankruptcy courts say they do n't report to the bureaus why is it being allowed to damage my credit profile on Transunion and  XXXX . Please assist me in getting these records removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with CitiBank, I received a new card from them in XX/XX/2018, they offered a 0 % balance transfer which I took advantage of, I make all my payments on time I pay more than the minimum amount. I never received a statement from the bank until they sent me a collections notice in the mail, and during this time I was taking my husband to hospitals and numerous doctors as he is a XXXX XXXX   XXXX Veteran XXXX. I informed CitiBank that after my first bill, I always set up automatic payments, they informed me that they would remove this from my report but never did, my score dropped 60 points and it's the only derogatory item on my report and as I pay it down they keep lowering my credit limit to make it look like I'm always maxed out, which keeps lowering my credit score. This is unjustified. Thank you for any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the dispute through the credit agencies. XXXX changed it but the others have not. XXXX XXXX private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in Equifax.
Product: Credit reporting or other personal consumer reports

These errors you are reporting on my credit report is making my life miserable, I had sleepless nights, frustration and unnecessary stress it's taking a toll on my mental health, not just that but it negatively impacted my credit score which resulted to my new credit applications being denied when needed most.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that all fraudulent information must be blocked and removed from my credit report within fouXXXX business days of notification to the credit bureaus. I have taken the necessary steps to report this fraudulent activity ( XXXX XXXXL XXXX XXXX including filing a report with the Federal Trade Commission ( FTC ) and notifying the credit reporting agencies
Product: Debt collection

This company calls XXXX times a day using a robodial that prompts me to press XXXX to talk to them or XXXX to end this call. Regardless of pressing XXXX or XXXX, the call always ends. Not to mention, I do not have any outstanding debt to be collected. This harassment has been going on for over 8 weeks!
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : 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

Sensible Auto Lending at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, has been sending me collection notices in the amount of {$3500.00}, collection has been reported as past due balance. It is still being reported as 30/60/90 days late from 2016 with comments stating it was affected by natural disasters. It is a direct violation of my rights with FCRA and I will like this collection removed immediately.
Product: Credit reporting or other personal consumer reports

In keeping with the Fair Credit Reporting Act, I am asking that my claim be investigated and any unauthorized inquiries removed from my credit report. 
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
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable information accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the credit fairness act companies have violated my rights. 
1681b. Permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$76.00} XXXX  Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

ELAN FINANCIAL SVCS Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Balance is XXXX and company will not correct reporting
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally lodge a complaint regarding inaccurate information on my consumer report that resulted from Identity Theft.These inaccuracies have significantly and unfairly impacted my credit standing. Despite my previous efforts to address this issue directly with your agency, the matter remains unresolved. 

The items in question are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are incorrect and do not accurately reflect my credit history. I am requesting an immediate investigation and the removal of the erroneous information from my consumer report as required by the FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 To support my dispute, I have enclosed the following documents : A copy of my government-issued identification and proof of address for verification purposes.

Please address this matter promptly and provide written confirmation once the investigation is completed and the inaccuracies have been resolved. If additional information is required, I can be reached at the contact information provided above. 

Thank you for your attention to this matter. I look forward to your timely response. 

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

I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX BANK XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NA Date Filed XX/XX/XXXX Type Bank XXXX XXXX Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX BANK USA Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX  XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WIRELESS-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Debt collection

I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed Department Stores National Bank Macy 's that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company is XXXX XXXX XXXX, a credit card company, DSNB MACYS, that is pursuing the collection of a fraudulent account.
Product: Student loan

I have had the most difficult year with Campus Partners. Each year a portion of my student loan is cancelled because I am a XXXX. As part of cancellation, each year I submit deferment and cancelation forms to the company to verify that I am employed XXXX. This past summer, in XXXX of 2015, I faxed both the deferment and cancellation forms as usual. Since then, I have re-faxed the paper work nearly every month and called the agency every month to determine if they had received the documents. This has been going on for an entire year! Despite my sending information, I was reported to numerous credit agencies, which had an adverse impact on my credit score and ability to purchase a home. 

Recently, I filed a complaint through CFPB and was later contacted directly by a representative from Campus Partners. The individual had me fax her the same paper work. The account was FINALLY updated within a couple of days, however, the adjustments were not made to the credit reporting. 

I contacted them, again, and spoke to XXXX ( employee # XXXX ) who for the first time in a year took that time to look through the system and determine that XXXX of their representative made an initial error by not keying in information properly the first time, resulting in my " defaulting '' on the loans. XXXX apologized and stated that she would note in the system their error and have then revert the negative reports to the credit agencieS. Instead of sending the information to the XXXX major agencies -- XXXX -- the information was only sent to XXXX At this time, I am requesting, that, the correct information be sent to ALL XXXX agencies so that the damage done to my credit rating -- due to their negligence -- is repaired.
Product: Credit card or prepaid card

I am a long time customer of American Express. For nearly ten years. I had a {$15000.00} credit line with them. At the end of last year, I utilized my credit line. Immediately XX/XX/2019, I was sent a notice that my credit line was being reduced to {$13000.00}. I have never been late once with American Express or any other credit card company. I reduced my balance responsibly to conform with the reduced credit line. On XX/XX/2019 I received another email reduction of my credit line, in the middle of my shopping to {$12000.00}. No advance notice and nothing. I called American Express this morning and I was informed that my account is reviewed every six months and that they review my credit score and financial dealings with all my creditors. That they have the legal right to do so. I have done research on this and I understand that they have this legal right, BUT, this is wrong. My approved credit line with American Express should only be reduced if I missed a payment or did something wrong. I also feel that my privacy as an American Citizen is being violated. They should not have the right to continuously review my credit report or financial transactions. Consumers need protection from large companies like this. The American Express rep. kept saying that this is legal. It may be legal, but it is plain wrong and an infringement of my privacy. They should not be allowed to randomly without notice change the terms of their offer of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XX/XX/XXXX
Product: Debt collection

Early last year XXXX 2019 ) I was sent to an XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and my XXXX XXXX resulted in my being sold a XXXX XXXX I was told I could return the device and receive a refund if I had a problem. Synchrony Bank financed the purchase. I have had several accounts with this company in the past for Care Credit XXXX XXXX, XXXX XXXX XXXX, and a mattress company. I go to Synchrony 's website and all the accounts are posted and they send me a paper bill for each account every month. 
When I got the XXXX XXXX I expected to receive a paper bill and to see the account on line, which has been how I pay these bills. Until now I never had a problem. They never sent me a bill for the XXXX XXXX, they never listed the relevant account online. I waited for about XXXX months and finally, frustrated, I found a place on the website where I could pay " another company '' so I did that and was told it was wrong. I asked repeatedly for a paper bill, got no where and became really frustrated that the bank was so dysfunctional and unresponsive. I chose to return the XXXX XXXX and everything I had received with it. I told the bank I expected a refund. At this point they began to send me a paper bill but the account never appeared online. 
They continued to bill me. I continued to not pay them for something I no longer possessed. Finally, last year I reported them to the Attorney General of the State of California. Then I got a response. I called them on the phone and a clerk appeared to make sense of the mess and told me to expect to continue receiving bills for a little while, they wouldXX/XX/XXXXout the balance and to not worry about it, I did not have to pay anything. They refunded the money already paid by crediting another of my accounts. I thought I was done with the problem. The bills saying that nothing was owed continued to come for several months and finally bills began to appear that claimed I still owed the balance and demanding a monthly payment as well as late fees and all the rest of the XXXX typical of a credit card bill. I politely declined and ignored the bills. Now they are sending me demands by certified mail and the bills claim I owe money I do not in fact owe as I returned the object originally purchased for the refund I was promised.
Product: Mortgage

I have pay my Morgege in full but my escrow money the mortgage company they not want to pay back.