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

I have contacted TRANSUNION bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave or if it was a problem with transuniion system error recently, I deal with a lot of foreigners so I 'm not sure if this is fraud or just a error with trans : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX !!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED TRANSUNION AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX    XXXX   XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX  XX/XX/XXXX  THESE ARE NOT MINES AS AT ALL /NOR AM I AWARE OF ANY OF THIS, LAST YEARS REQUEST :  XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax Credit Bureau on XX/XX/2021. I told them that I had logged into XXXX XXXX and gotten my credit report. I told them that disputes for my personal information, collection accounts and inquiries. The customer service representative took care of the personal information. Then I told her that under the FCRA that the collections were showing open accounts and I wanted them disputed because collection accounts are not supposed to be reported as " Open ''. The representative said that there were 2 collections not 12 that I had pulled from the credit report with XXXX XXXX right before I called Equifax. I asked are you positive because I just pulled this report right before I called you. Again she said well there are only 2, so I disputed them both. Then we went in inquiries and I told her that I wanted to dispute the inquiries and I was told that at the current time Equifax was not taking disputes on inquiries. I could contact the inquiring company and dispute it with them and they can make the change but that Equifax was not accepting any disputes regarding inquiries unless I had a police report showing that I had been a victim of fraud. I told the representative I felt that this was not legal because the law says they can only report accurate information and with those inquiries the information was inaccurate. Again she repeated for me that Equifax is not currently accepting Inquiry Disputes unless I have been a victim of fraud but I could dispute it directly with the inquiring company. 

The big 3 credit bureaus in this country control our lives. They can make you or break you. They need to be taken out by the CFPB for the things they they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all alerts/fraud remarks on my credit reports as soon as possible. 


I've attached my ID Card, SSN Card, and proof of address.
Product: Student loan

On XX/XX/XXXX I received notification that I would be getting a refund from Great Lakes Borrower Services for my student loans that were discharged for XXXX XXXX XXXX XXXX. The amount refunded was {$21000.00}. 

Prior to this I was notified by Nelnet and the US Department of Education that I qualified for the XXXX  discharge ( XX/XX/XXXX ). This was effective on XX/XX/XXXX. 

The letter states that " In addition, all payments on your loans received after XX/XX/XXXX, including payments collected through wage garnishment or Treasury offset, will be refunded. '' The second letter states " Your loan holder ( s ) will transfer your loan ( s ) and will return any loan payments that were received after your XXXX date to the person who made the payments. For this purpose, your XXXX date is the date SSA informed the Department that you were XXXX XXXX XXXX XXXX. '' In total from my statement from Great Lakes between XXXX - XXXX I made 14 payments totaling {$9300.00}. I've called Nelnet and Great Lakes several times only to be sent in circles. Nobody will give me information as to why my total payment amount was not refunded. Nelnet tells me I need to contact Great Lakes because they were the one to issue the refund and have my payment history. Great Lakes is saying they can't do anything because my loans were transferred to Nelnet. There is no proper documentation for the amounts I was refunded. When I received the refund I got several electronic transfers some for as low as {$7.00}. I never made a payment for that price. 

It doesn't make sense why my payments were not refunded and it seems like Great Lakes and Nelnet are just trying to ignore me. It frustrating and upsetting because yes my loans were forgiven but that money I paid is gone when it could have went to savings. 

Today I learned that Nelnet bought out Great Lakes yet they both seem to know nothing about my loan payments and refund. I really want to get my payments made refunded or at very least understand why I did not get the full refund. I would also like to know how my refund was calculated - why did I get a refund for {$7.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to complain about the experience with Experian and their refusal to assist with the removal of the removal of XXXX XXXX  from my credit report. Even with pointing out their inaccuracies on my report. I had asked for proof to be provided to me on how they validated as the information being reports is false or they are reporting a past due on what is showing as a charged off account and should state {$0.00} past due as the debt was since written off. They fail to do so. They are reporting the term as 10 months in which I included the documentation from closing disclosure which is included. I am hopeful by filing a complaint it should bring awareness to the behaviors they are committing and their refusal to assist with repairing credit. I am sure these creditors pay to add whatever they wish and Experian is allowing it! However my report must be 100 accurate and it is not!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, as of XX/XX/XXXX has been reported as charged off/never late with XXXX ( XXXX ) separate dates. Charge offs were dated for both XX/XX/XXXX as well as XX/XX/XXXX in the various amounts of {$5900.00}, {$6500.00}, and {$7600.00} labeled as Profit and Loss Write Off. 

XXXX XXXX, as of XX/XX/XXXX has been reported as Paid / Closed on XX/XX/XXXX. 

XXXX XXXX has been reported as of XX/XX/XXXX Closed/ Charged Off on XX/XX/XXXX in the amounts of {$5100.00}, {$6700.00}, and {$7300.00}. 

XXXX XXXX has been reported as of XX/XX/XXXX as Charged Off in the amount of {$1100.00}. 

XXXX XXXX XXXX has been reported as of XX/XX/XXXX as being reported for no amount shown, sold to Collections. 

XXXX XXXX has been reported as Paid / Closed as of XX/XX/XXXXXXXX XXXX XXXX acct beginning in XXXX has been reported as of XX/XX/XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been reported as Sold to XXXX  XXXX XXXX  has been reported closed as of XX/XX/XXXX as the age of the account has also been reported as account age XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$5100.00} XXXX/XXXX  XXXX {$2300.00} XXXX/XXXX  XXXX {$320.00} XXXX XXXX {$18000.00} XXXX/XXXX XXXX XXXX {$3000.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$9200.00} XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX only. Please update the correct information on my credit file as TransUnion has personal information that is not pertaining to me on my report. The following names are Inaccurate, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX remove the following employment information as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX are Inaccurate as I never worked there. Thank You.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX LA XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please correct and update.
Product: Debt collection

At  XXXX  in the morning, Saturday,  XXXX   XXXX , I received a call that went straight to voicemail. I checked my voicemail and I get an automated message telling me that it 's regarding my Synchrony credit card account ( for  XXXX .  XXXX   ). I  did miss a payment but one payment does not mean that they should send me emails, which they did on Friday,  XXXX   XXXX , then call m e ( twice thus far ) to let me know that I need to make a payment. Synchrony bank is notorious for bombarding their customers with phone calls the moment they do n't receive a payment the day that it is due. If they will employee such tactics, then I have the right to report them just the same. Most credit companies give you a grace period if missed one payment after not missing any. I have not missed a payment with this company so they should n't jump the gun by pestering me with phone calls just because I forgot to set up a payment with them. It 's not necessary. It will get paid. They do n't need to bother me about it. On top of that, they raised the minimum due. This is how people get into debt. Again this company is notorious for making their customers pay the price for missing only one payment. They need to be investigat e.
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank reversed a provisional credit {$500.00} and refused to give me money back due to a XXXX fraud on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I was scammed by a scammer XXXX XXXX XXXX XXXX XXXX, phone number retrieved from a XXXX XXXX ) who pretended to be an XXXX customer service representative. Instead of helping me accessing my XXXX  XXXX  due to forgotten password, he used XXXX via my Wells Fargo Bank app to transfer {$500.00} to XXXX XXXX ( whom XXXX claimed to be his manager ) on my XXXX. During this phone call, I did not realize I was being robbed of my money because XXXX XXXX was walking me thru the steps on my XXXX while rest assuring us that he was just testing XXXX. 

It wasnt until he asked me to go to the nearest ATM to pay {$900.00} to get an XXXX XXXX card that I realized I was being scammed. I immediately rushed to a Wells Fargo bank branch XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at XXXX ( 45 minutes after the fraudulent XXXX transaction XXXX and the Wells Fargo employee ( XXXX XXXX XXXX XXXX ID : XXXX ) called fraud department and agreed to give us {$500.00} credit within 10 business days. 

Unfortunately, I got a letter from Wells Fargo on XX/XX/XXXX. The letter stated We have now completed our research of your claim and found this transaction was made by you or someone who had your permission to perform transections on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. If you have any questions or would like to take advantage of your right to request copies of documents we relied upon in making our decision, please call us. 

I never give the scammer my permission to authorize the XXXX transaction via my Wells Fargo Bank app. I was unfamiliar with how XXXX works and I had no idea how he hacked my Wells Fargo bank account to initiate the unauthorized XXXX transaction. 

I called Wells Fargo at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX XXXX ask for copies of documents that they relied upon in making their decision. However, it has been 25 days and I have not received any response from Wells Fargo.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize and need them deleted asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from a debt collector on XX/XX/XXXX and I sent them a debt validation letter in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax, and XXXX XXXX XXXX XXXX and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX  when they thought that I was not monitoring my credit.
Product: Money transfer, virtual currency, or money service

I am the victim of a scam using XXXX. I contacted navy federal who I used XXXX to send the money to what ended up being a scam. I have a phone log with the representative of the company. Once the {$1000.00} was sent the scammer was gone and the phone calls and emails went unanswered. XXXX said there is nothing they can do although they are aware of these types of scams. The representative gave me his name email and phone number. I felt comfortable because I thought it was backed by my bank and in the banks app. Neither Navy Federal or XXXX offer any protection. Banks are not doing anything to help victims of these scams. I was trying to purchase a dog for my son. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, they have violated my rights XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX : 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: Debt collection

I noticed that I had a collections account pop up on my report. I was confused as to where it came from. About a week or so later, I get a letter from Credit Collection Services stating I owe XXXX. I called and spoke with XXXX XXXX and I requested validation, wet ink signatures on contract obligating me to any debt and the agreement that I have with the company to pay them as I had never heard of them prior to seeing them on my report. Informed him that that was identity theft and I needed all credit reporting to cease and desist and I needed all information requested to be sent to my address. I received another letter in the mail but it only had the final balance
Product: Debt collection

I recently reveiwed my credit file with XXXX XXXX XXXX XXXX and observed a account. With Plaza Services acct # XXXX for collections. The original creditor, XXXX XXXX sold this account. 

In the selling of this debt to Plaza Services, with whom I do not have a Proper Assignment contract with. For them to collect this debt under the Fair Debt Practices Act 15 USC 1692g. I request to see copies of the Proper Assignment Contract, and a copy of the Purchase Agreement letter. 

To verify that they a legal obligation to collect this debt on my behalf. If these documents can not be produced as verification. Then I request that this account be deleted from all and any of the three mayor credit bureaus. XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

A copy of this complaint wil also be sent via certified mail, return requested number : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I saw written information on my credit report such as my address and I reached out to the credit reporting agency it to remove it and has since refused. I am sending a final update and warning as I will be filing a suit next month XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection/chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
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 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have several fraudulent and hard inquiries on my credit report negatively effecting my credit score.

I did not authorize these hard inquiries and believe I am a victim of identity theft.

Please remove them from my credit report as soon as possible. The following fraudulent unauthorized hard inquiries must be removed immediately. 

XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year> XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Inquiry date XX/XX/year> Please remove all of the above listed fraudulent hard inquiries from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and Forever XXXX ( Comenity Capital Bank ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX XXXX If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Product: Student loan

Called XX/XX/2021 and XX/XX/2021 and I keep getting nowhere. I owe a little over 100,000 with some of the loans at 10 %. I asked a about a different program and they said they couldnt do anything.