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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Account Number : XXXX  This is not mine.

2. Identity Theft XXXX Account Number : XXXX  This is not mine.

3. Identity Theft XXXX Account Number : XXXX This is not mine.

4. Identity Theft XXXX Account Number : XXXX  This is not mine.

5. Identity Theft XXXX Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true.

1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When making the attemp
t to write DEPT OF EDXXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this.

I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Product: Credit card

1.5 years have gone by ... ... ... ..... 

No response yet as to my querie I received XX/XX/XXXX letter It bascially says still researching If you see my info Following : This dispute has been in progress since XX/XX/XXXX My records show : XX/XX/XXXX ( {$60.00} credit ) XX/XX/XXXX rebill {$60.00} XX/XX/XXXX I made payment {$60.00} and not a credit XX/XX/XXXX ( XXXX ) credit Thus I did not get credit for dispute as there two credits, one rebill ( XX/XX/XXXX ) and my payment {$60.00} on XX/XX/XXXX statement In summary XXXX {$60.00} billing ( including my {$60.00} payment ) and two credits ( XX/XX/XXXX, XX/XX/XXXX ) so I fail to see where is credit XX/XX/XXXX Chase agent response said following : XX/XX/XXXX posting {$60.00} XX/XX/XXXX {$60.00} credit XX/XX/XXXX rebill {$60.00} XX/XX/XXXX ( {$60.00} credit ) I do NOT see these entries on my back statements Please lets not drag this out more than a year now See entries and you will see I did not get credit as I paid {$60.00} payment on XX/XX/XXXX A 1.5 year gone by now and still no resolution
Product: Credit card

XX/XX/year> ; I processed a one-time payment of {$100.00}. 

It did NOT process within the before/by XXXX XXXX XXXX time stated so I cancelled the payment and on XX/XX/year> before XXXX am after Midnight the payment processed by deducting {$100.00} from my XXXX XXXX bank account anyway though I mainly due to it not being due due until XX/XX/year> and is the minimum payment amount due is/will be {$45.00} a month until repaying the {$750.00} credit card loan balance. 

My issue now is that it caused a {$20.00} XXXX XXXX XXXX XXXX my primary credit union checking account though the credit card company has since adjusted the {$100.00} which hasn't yet reversed from my credit union checking account though they should be aware of the system glitch in which I'm in hopes that when I speak with my credit union checking account that they reverse the {$20.00} nsf/overdraft fee although it's my fault my fault in attempts to pay prior to being aware of the due this complaint being filed in hopes that whatever climatically change caused system doesn't happen ever again.
Product: Debt collection

There is a company that I have never heard of or heard from ( Not by phone, mail or email ) that put a collections on my credit report stating they are collecting for XXXX as of XXXX. I do not have XXXX and have not had XXXX for over 8 years. I have never received any collections from XXXX. This company did not follow the fair credit reporting act. When I disputed it with XXXX they stated they investigated it which was false as there is no documentation of this debt or any communication provided to me. The company is called Transworld Systems INC the amount is {$910.00}
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I and my aide came to Santander Bank in to purchase tttle explahree bank checks for my landlord XXXX XXXX. XXXX XXXX later told me three bank checks bounced and tried to evict me on XX/XX/XXXX. I went back to Santander Bank in XXXX trying to talk to manager XXXX XXXX why she canceled three bank checks, XXXX simply kicked me out without any reason. I and my aide then went to XXXX XXXX  XXXX XXXX branches seeking answer and help. 

Santander Bank employees at XXXX XXXX XXXX XXXX branches tried very hard to help me by contacting back office in vain. By the ways employees at XXXX XXXX XXXX XXXX branches asked me questions and conversations with back office I could sense that the manager XXXX XXXX absolutely provided back office with false information about me and my aide in order to give me hardship on purpose. Employees at XXXX XXXX  XXXX XXXX apologized to me and my aide over and over that they could not provide us with further assistance by XXXX XXXX 's directive. 

I assumed that XXXX XXXX told back office many people were involved and I was some kind of fraud victim such and such. My aide was in tears in front of Santander Bank employees and said to them that no one deserved this kind of treatment from XXXX XXXX because I was in wheel chair with XXXX XXXX. Legal action is next if something bad happens to me.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/19 I reported suspected fraud on my account to Bank of America. BoA then locked down my account and said the only way for me to use it was to travel over 100 miles to their office out of state. I requested that the annual fee I paid be returned to me because they are not allowing me to use the card. They declined to return the fee, so I am escalating the issue to have it returned.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$1600.00}
Product: Student loan

My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.
Product: Mortgage

Follow up to closed case : Wells Fargo Case # XXXX RE : Requested documents to be sent to @ Wells Fargo. 
In the coming week XXXX document copies will be mailed to address provided concerning refinance, requests, repayment options, Trial loan period payments deducted online.Foreclosure attempt during same time period which was denied by court order and subsequent closure of same.Request letter sent XXXX XXXX.
Product: Vehicle loan or lease

i co signed on a truck loan with ally financial. we paid it off and have been waiting on them to send the title. we keep getting calls saying we still owe them, and my credit is being destroyed. it has dropped XXXX points since XX/XX/2023. 
we had put a complaint in about the title and still have not received it.
Product: Credit card or prepaid card

I was sent a promotional email on XX/XX/2023 indicating that if I signed up for the XXXX Amex XXXX credit card, I would receive XXXX bonus miles. The fine print stated that this particular promotion would run through XX/XX/2023. The email was addressed to me by name and included my unique XXXX XXXX number. I applied for the card and was approved on XX/XX/2023. I spent the required amount ( {$2000.00} ) and was awarded only XXXX points. On XX/XX/2023, I spoke to a Customer Service Rep who asked me to attach the promotional email to the Amex XXXX XXXX as proof. She walked me through the process and the site returned an error message. She said she didn't know how to resolve it and that someone would call me back. I followed up multiple times without a response. 
Finally, after over two months of Amex telling me that it would be resolved ( and the additional XXXX points applied ), I was told by Customer Service on XX/XX/2023 that because I applied for the card online, it's possible that I didn't use the " correct channel '' to apply and therefore the XXXX points would not be applied despite what was stipulated on the marketing materials. The Customer Service XXXX ( ID XXXX ) stated that nothing could be or would be done. She informed me that the issue had been investigated and dispositioned by Amex already. This apparently occurred around the first week of XXXX without reviewing the promotional email referenced above and without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. I am requesting that these accounts be deleted. 

XXXX XXXX XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX -UNVERIFIED ACCUNT XXXX XXXX XXXXXXXX XXXX XXXX-UNVERFIED ACCOUNT XXXX XXXX XXXX- UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX, Texas XXXX XXXX XX/XX/1971
Product: Credit reporting, credit repair services, or other personal consumer reports

A Visa card was opened without my knowledge by my ex-wife ending in # XXXX. I have asked PNC to just remove this reference from my credit report since in did not sign for this card, it is current and has never been delinquent. It has a high balance of $ XXXX and I believe it is adversely affecting my FICO score since it is almost at its credit limit. We have been divorced since XXXX ( proof available ) and my defense is PNC can not prove I ever signed for the card or had any knowledge it was open, all other creditors upon our divorce closed or removed the references from my credit report, here are the reason I think PNC should just remove the reference from all XXXX credit services, that is all I am asking. 

1 PNC can not prove I ever signed for this card 2 there is no record of me ever making a payment on this card 3 I have never received a card for this account, I have never made a charge or any transaction on this card, I have never received a statement from this card 4 the card can not be tied to my current address which I have been at since XXXX, they have absolutely no NOTHING to tie me to his card/account that my ex-wife opened without my knowledge, this card is also the only " joint '' credit showing on my current credit report 5 I had requested a copy of the signed credit application, they could not provide it stated they only retained it for 7yrs, again PNC can not prove in any way I was involving in opening this Visa card I just want the reference deleted from all 3 credit reports since the high revolving balance almost at the card credit limit is adversely affecting my credit / FICO score since I individually have < {$400.00} in revolving debt. PNC just states its not " our policy '' to remove references, but they can not in any way, shape or form prove I opened this account. Its obvious since I have had no activity as stated before with this Visa that it should remain on my credit report. 

Person most involved at PNC is XXXX XXXX, PNC Executive Client Relations, XXXX XXXX XXXX, XXXX, Pa XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I would Like to file a complaint regarding an account reporting to my credit report without my knowledge or authorization. Specifically the account in question is XXXX XXXX XXXX XXXX account number XXXX which has been reported as an Authorized User on my credit report with a duplicate account number as my actual XXXX XXXX account. I did not consent to this Authorized User account. This inaccurate reporting violates my rights under the Fair credit Act particularly the following laws 15 U.S.C.1681e ( b ) and 15 U.S.C 1681i ( a ) I have also attached below a copy of my credit report showing both accounts with the same account number, One showing the responsibility ( Individual ) which this account would be accurate However the account showing the responsibility of ( Authorized User ) is not mine and I would like to have this account removed immediately. Thank you
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last 15 days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 

XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX Balance {$73.00} XXXX XXXX  XXXX Balance {$19000.00} XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX  XXXX Balance {$5800.00} XXXX XXXX  XXXX Balance {$170.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$380.00} 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights.

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Student loan

I called XXXX XXXX to try to get my loan payments lowered. I spoke to a representative XX/XX/2019 and she stated that I needed to recertify and choose a better IDR plan for a lower payment plan of {$68.00} a month. I did exactly what the representative told me to do. However, when I called XXXX XXXX on XX/XX/2019 at XXXX a representative stated that I could not change my IDR plan because I needed to make 3 consecutive payments before I could change the plan. I tried to explain the representative that the other representative I spoke with on XX/XX/2019 never stated anything about that and how I did everything she told me to do but the representative I spoke with was not trying to help me and got an attitude with me ; she stated that I had three months to pay XXXX which would be XXXXeach month and she also stated that I would not have to Pay anything until XX/XX/2019.The representative was no help with assisting me ( consumer ) ; she did not try to find a solution for me and all I wanted to do was get lower payments. 
XXXX ( XX/XX/2019 ), I tried to call XXXX Representative to see if someone could assist me and figure out a way to get me lower payments and the representative ( s ) were no help. The representatives kept transferring me. The first representative did not mention anything about not being able to change my IDR plan and the 3 consecutive payment but when she transferred me to another representative the representative was not helpful as well. She stated that I had to make a payment of XXXX on XX/XX/2019 and my new payments would be XXXX on XX/XX/2019. It seems to me that all the representatives need more training because they are supposed to be there to assist and answer questions. They were definitely not able to answer certain questions and did not even take the time to try to find a solution to help the consumer ( me ), especially when Im willing to make payments. The last representative I spoke with definitely did not help me, it was as if he went off of the previous representative words because as soon as spoke with him, he stated that the representative explained what was going on and basically went off her word instead of his own judgment/ solution. I asked the last representative about doing an appeal or a complaint and he stated that XXXX XXXX do not have appeal forms and he stated that he did not know what CFPB ( XXXX XXXX XXXX XXXX ) and never heard of it ; XXXX XXXX  Representatives need more training on a lot of information so that they are able to assist consumers instead of giving them consumers false information and the run around.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following false accounts with the credit bureaus but have not received and response : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Consumer Loan

I have asked to move one payment to the end, or end the loan and they will not let me. TheyXXXX tell me the amount varies each time i call, and the only thing they will offer is more money. I have already paid them back more than what i was loaned out. They have terrible customer service