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

I am writing to express my deep frustration and concern regarding the numerous unsuccessful attempts and numerous requests to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have consistently reported this issue to your agency and provided extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The extended delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

A detailed investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the fraud items : 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

Hello Ive recently was notified the my opportunity for employment has been denied because of my equifax credit report. Two fraudulent collections accts from hunter warfield was re inserted on my credit filed after being proven fraud and deleted TWICE and from all other bureaus. These acts was reinserted on XX/XX/XXXX. Equifax has maliciously allowed whomever to continue to harm my well being. I consider my self a pretty savvy consumer and i did the research " '' IT 'S AGAINST THE FCRA TO REINSERTED ANY PRIOR DELETED ITEM WITHOUT NOTIFYING TO CONSUMER 5 DAYS IN ADVANCE '' Ever since the Equifax breach I 've heard things like that was happening via the internet but never in a million years i thought it would happen to me especially after i went through XXXX proving it was n't mine debt. Up until XXXX XXXX, 2015 I stayed with my now divorce wife in our house so how the XXXX i have apartments in my name. I 'M TIRED OF THESE ISSUES I CALLED EQUIFAX AND THEN THEY ALL OF SUDDEN THEY COULD N'T VERIFY WHO I WAS YET THEY JUST REMOVED INQUIRIES AND PERSONAL INFO. SO THEIR CONTRADICTION IS SO SO CLEAR AND DELIBERATE ... THEY KEEP ALLOWING THEM ALSO TO ADD THE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX link to the bs accts
Product: Credit reporting or other personal consumer reports

A auto loan that Im paying currently is not reporting on my credit report. I took out a XXXX on XXXXXXXX XXXX XXXXXXXX for XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Lot Number : XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX  XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights XXXX 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

The Credit bueau reported these accounts as verified. With no proof or validation records!!
Product: Money transfer, virtual currency, or money service

Zelle- refused to cancel a pending transaction. I sent a friend {$25.00} through the app Zelle. My friend no longer has that account. The transaction was pending. I called Zelle to cancel the transaction. They said it would be canceled in 24 hours. It was not. I called Zelle again, they said I needed to cancel with my bank. I called my bank and they said the transaction was completed on their end and to contact Zelle again. I contact Zelle and they said to contact my bank.
Product: Debt collection

Rozlin financial group has claimed I owe a debt for XXXX its not mine Ive told them it was XXXX XXXX and showed them forms from ftc and police reports proving it wasnt mine theyve been reporting it to my credit Ive told them to cease and desist and Ive also asked them for debt validation they cant provide the original signed contract or where they have ownership of the debt they also dont have a license to collect in my state this debt is also not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When determining a fair resolution to the issue youve described, several factors need to be considered. While I dont have all the details of your specific situation, here are some general suggestions for a fair resolution : 1. Refund or Compensation : A fair resolution may involve receiving a full refund for the purchase amount of the defective product or receiving appropriate compensation for any financial losses incurred as a result of the companys actions. 
2. Replacement or Repair : Depending on the nature of the product defects, a fair resolution could include receiving a timely replacement of the defective product with a fully functional one or having the company bear the costs of repairing the defects. 
3. Improved Customer Service : A fair resolution might also involve the company improving its customer service practices to ensure better responsiveness and timely resolution of consumer concerns in the future. 

Its important to note that the resolution should aim to address the issues you faced and provide appropriate compensation or remedies to restore you to a reasonable position had the issues not occurred. The CFPB will evaluate the specifics of your case and work towards a resolution that is fair and reasonable for all parties involved.
Product: Credit reporting or other personal consumer reports

I am aware of all my rights that I have which are protected by The Congress under the fair Credit Reporting Act ( FRCA ). The list of accounts below Has violated my federally Protected consumer right to privacy And confidentiality under 15 USA 1681.15 USC 1681 section 602A states that I have a right to privacy. 15 USA 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. Delete this account immediately, unless you want to be held {$1000.00} per violation.The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 are the mistakes that you had put on my credit report and I have no knowledge of them please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an Identity Theft victim, there was a fraudulent XXXX account opened for someone named " XXXX XXXX ''. My name is XXXX XXXX XXXX. I have had a problem with someone stealing mail from my mailbox. I reported this information to the report bureaus and Transunion removed the account and then a 30 days later reinserted it without any explanation or reason. I called XXXX to see had there been a Fraud investigation on this case and I was told no but the representative I talked to claimed one. This account is killing my credit and needs to be removed permanently.
Product: Checking or savings account

A bill of exchange was deposited into my account of {$16000.00} which a deposit is a loan to the bank according to 12 USC 14 31 Huntington Bank chose to steal the securities collect the interest of the beneficiary to the account and has a fee schedule on file with the branch that I opened the account with and now has caused my company to invoice for the fees of the fee schedule this is a notice of intent or funds must be paid in 3 days of receipt of this complaint also a complaint has been filed with the comptroller of currency and the Federal trade commission also Huntington Bank close my account installed {$250.00} which they claim that they were going to send in the mail by check which I never received
Product: Credit reporting or other personal consumer reports

I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by XXXX, XXXX, and TransUnion.
Product: Credit card or prepaid card

When XXXX went out of business and consumers had credit cards issued through XXXX XXXX we were not offered the ability to have the interest rates lowered. As this company is no longer in business, and consumers are no longer able to utilize the credit card I had asked to have my interest rate reduced. I received the following information on XX/XX/2019 : If XXXX XXXX  does offer a lower APR, to be eligible, an account must : Be active Have a regular purchase pattern Receive payments on time each month Meet the minimum available credit criteria At this time, your account does not qualify for a lower APR, due to not meeting one or more of these requirements. 

There are several problems with their response : Be Active : account was until XXXX went out of business Have a regular purchase pattern : there was, but not now, as business is closed Receive payment on time each month : In the years I had the card, late maybe twice So, basically because the business is no longer functioning the consumer is unable to get a reduction in interest rate. I think this is abhorrent and once a company goes out of business interest rates should be reduced as the consumer no longer received service from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint, and the company responded and said they had no information about me on the file. They could n't provide my name, phone number, etc. I provided them with information on myself  XXXX / XXXX / 17 . That is the only way they currently have my information. The company reported it as a late payment, which impacted my  credit score, even  thouygh they claim to have no information about me.
Product: Mortgage

I reached out at the beginning of XXXX via online banking message and on/or around XX/XX/year> the same way. I requested information about the process to remove PMI, if possible, so I can complete the process. I indicated that I had an appraisal completed and property value was 50 % higher at the time ( price is now between 70 % -80 % higher than when I bought my property ). I did not receive any information or documentation other than an acknowledgement of receipt. Company is not responding.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I have tried to unfreeze my credit report. I am trying to purchase a home. I was told there is an active fraud attribute in your report. I do not have the permission to access it. Please call this number to get help : XXXX. Since your file is under Fraud Victim Assistance Department ( FVAD ), we are not trained to access it XXXX XXXX  And no credit found. This is the third time I have reported this issue. TransUnion will remove it once I submit a complaint, and after that, they block me from obtaining my credit reports or any services. This has been ongoing since XXXX. I have filed several complaints with your agency, and the resolution is a constant temporary fix. I am trying to obtain accurate credit information to fix my credit and purchase a home. I want a permanent resolution as this credit reporting agency is reporting inaccurate reporting measures and I am being penalized with no access to my records.
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b , Remove late payments XXXX XXXX XXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXX XXXX  XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX, XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX XXXXXXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states.

Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

SANTANDER CONSUMER USA is furnishing non public personal, sensitive information to consumer reporting agencies and is refusing to comply-FULLY- to my gramm leach bliley act OPT OUT request and is now mismanaging my security which is forbidden according to the SECURITIES EXCHANGE COMMISSION ( SEC ). I have submitted a TCR complaint. SANTANDER CONSUMER USA received my gramm leach bliley act OPT OUT request XXXX XXXX, 2024, today is XXXX XXXX, 2024, THE LAW STATES that if a consumer, me, notifies the creditor, SANTANDER CONSUMER USA, in writing exercising their right to OPT OUT of the sharing of their nonpublic personal information, including name, account number, and transaction history- WHICH MEANS REMOVING THE ACCOUNT-they must comply within a " reasonable amount of time. '' it has been almost XXXX days from delivery and they are only partially complying and attempting to stall my request. My personal non public sensitive information is still being shared to non affiliated third parties including consumer reporting agencies. Please see proof of mailing and SANTANDER non compliance in the attachments below. SANTANDER CONSUMER USA is now ILLEGALLY furnishing my information, and this notice is on the record.
Product: Student loan

I am XXXX of the many that Navient has pushed toward forebarance for the last few years. They locked me out of my online account and have sent me XXXX different emails within the last couple of weeks with XXXX different payment amounts for my next payment due on XX/XX/2017. On XX/XX/2017 the email said my new payment would be {$130.00}. On XX/XX/2017 the email gave a payment amount of {$140.00}, then on XX/XX/2017 the payment amount is {$220.00}. So I do not know what is happening with these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has several accounts from XXXXDept. of Education  that are inaccurate on my credit report. Two accounts from XX/XX/XXXX and XX/XX/XXXX are well over 7 years old and the last payments made on these accounts were on XX/XX/XXXX. Activity on these accounts were more than 7 years old. 
Two additional accounts from XXXXDept. of Education were opened on XX/XX/XXXX. I never made a payment on these accounts. They are over 7 years old. 

Transunion and XXXX have 2 accounts from US Dept. of Education that were originally transferred from XXXX/Dept. of Education. They changed the open date from XX/XX/XXXX to XX/XX/XXXX. The new open date is wrong. And they show timely payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These are wrong. I never made a payment on these accounts. They are over 7 years old. 

Transunion and XXXX have the wrong last name on my credit reports. I want them deleted. 
Transunion has several wrong phone numbers on my credit report. I want all of those numbers deleted. I don't want a telephone number on my credit report. 
Transunion and XXXX have an inquiry on my credit report that I did not authorize. I want them deleted.
Product: Credit card or prepaid card

There were fraudulent charges that were made to my credit card by XXXX for several months. I detailed the issue in letters sent to Citi on XX/XX/XXXX and XX/XX/XXXX by certified mail. 

They have resolved & refunded some of these fraudulent charges - but other ones, as documented in detail in the XX/XX/XXXX letter, they have delayed providing a refund- and it has been over 6 months. 

Each time I call, I just get the runaround and nobody will resolve the issue. I have tried calling numerous times to resolve. The latest attempt was XX/XX/XXXX and I talked to XXXX ( ID : XXXX ) a Fraud Department Supervisor. She could not provide a resolution. 

Hence this complaint in hopes you will resolve this issue.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act Convergent Accounts XXXX, Transunion and 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 a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) 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 seven years. 15 U.S.C 1681s a person shall not furnish any information relating to a consumer if the person has no knowledge.
Product: Credit reporting or other personal consumer reports

SPRING OAKS CAPITAL LLC has the wrong information. I tried to contact them to receive the right information but I was not provided with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX