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

I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to XXXX Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were t

aken out and I never recieved any payments. The school payed for th
ose 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, alleging systemic issues such as failed to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, where Experian 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 inaction violates federal law and rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I requested that Equifax investigate the XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/2019. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA
Product: Student loan

On XX/XX/2022, the PSLF Limited Waiver rules changed and we had until XX/XX/2022 to submit everything. I completed the PSLF form but had questions on consolidating. When consolidating it said I may lose prior PSLF approved payments and start back at 0. So, I've tried to reach Mohela over and over and over for answers as the studentaid website says to contact the provider. I've spent countless hours on the phone on hold never to talk to anyone. Then today, XX/XX/2022, I finally make contact with a person and he says " This looks like the first time you've called Mohela ''. That put me in an outrage because I've called now everyday to be put on hold. So, this guy tells me I would have needed to consolidate to get the limited waiver so now the day after the deadline I find this out with no help from any online source of the company. He then said he would speak with a supervisor and put me on hold. Five minutes later comes back and says they are still reviewing if I need to continue and puts me back on hold. That was over an hour ago! I am still on hold. Right now, my phone says I've been on the call for 2 hours and 44 minutes. Over the last few weeks I average around 2 hours before I got frustrated and called back later. Then, Mohela has an automated prompt system that takes around 7 minutes until you can actually press a button to get to the right program. This is very frustrating.
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. 
Account name : # XXXX, XXXX  Account name : # XXXX, XXXX XXXX XXXX has violated my rights. 

I looked at my Experian 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 generallf, 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, credit repair services, or other personal consumer reports

Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed inquiries that I did not authorize made by the following companies LVNV FUNDING {$3900.00} OPENED XX/XX/XXXX LVNV FUNDING LLC {$2500.00} OPENED XX/XX/XXXX LVNV FUNDING {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$580.00} OPENED XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and review my credit report. This is a violation of the fair credit reporting act section 1681B ( c ) and a serious breach of my privacy, rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts, bearing my signature I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX  days to complete this investigation as per the fair credit reporting act section 611. 

Thank you for your time and consideration. 

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

My XXXX XXXX  Credit Card Opened XX/XX/XXXX is Showing a 30 day late payment for XX/XX/XXXX I have provided the billing statement below to show proof I was never late in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX of Oklahoma do solemnly swear that I am writing and submitting this complaint by myself on my own behalf. To describe what happened, I have submitted numerous dispute to TransUnion to have inaccurate items removed from my credit report as well as some unknown things. My XXXX dispute I mailed in was the XXXX day of XX/XX/2021 and I haven't heard anything or received any kind of correspondence from Transunion at all in regards to my dispute. I feel like that are purposing targeting me due to my demographic and ignoring my request. That's really taking advantage of me as if I'm not an educated man. Now I am demanding that these accounts and items not only be deleted from my credit report, but I AM demanding that these accounts and items be deleted immediately or I will be filing for litigation because this is insane the extreme amount of stress you all are causing me. I've been in hospital twice stressing over this. It's not fair and federal laws are being broken at this point.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and fraud. On XXXX 2023, I noticed a company kept appearing on my credit reports, XXXX XXXX. I have never heard of this company and immediately started investigating. I learned that this was a XXXX party lending company for auto loans. I then knew this was fraud and immediately contacted the authorities. I currently have a detective on the case and he updates me on a regular basis. I also learned that this vehicle was repossessed from the individual and that this person also got a DUI in the vehicle. The detective has made out a police report and I also had a legal notarized affidavit done and sent to all XXXX credit bureaus. I also contacted this XXXX XXXX and spoke to their fraud department, and spoke to a XXXX. She stated they would get this matter resolved but it would take 30 days. Since then, I received a letter from TransUnion stating that they came to a resolution of their investigation and that they are in accordance with XXXX XXXX and that I am responsible for this auto loan. This is a nightmare. I want to buy my first home, but now I may not be able to do this. I am also going to submit the FTC Identity Theft Report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX INQUIRY : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I reached out to Goldman Sachs ( Apple Card ) on XX/XX/XXXX via chat to request XXXX benefits for my credit. The agent informed that they submitted the request and it would take up to 30 days for a decision. 

Earlier in the week ( approx XX/XX/XXXX ) I received a phone call from one of the representatives, stating that more information is required. I responded to their email and supporting my supporting documentation. On XX/XX/XXXX, I received notification that I was not eligible for XXXX benefits. I contacted customer service requesting additional information and they could not provide it and I was unable to speak with anyone that could really assist. 

I believe Goldman Sachs is incorrect and I am in fact eligible for XXXX benefits for past and current XXXX XXXX service. Other banks have proven my XXXX eligibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company # 1 : XXXX XXXX XXXX XXXX XXXX 

Derogatory Mark- Opened XX/XX/XXXX. Original creditor : XXXX. Creditor/collection agency : XXXX XXXX XXXX XXXX XXXX Amount {$340.00}. This account should have a balance of {$0.00}. An account was opened with XXXX in XX/XX/XXXX for an international phone plan from XXXX XXXX. Company continuously charged me for services/features that were not mentioned/ in written form when I went to the service provider store in XXXX to purchase XXXX chip for my phone. In addition, I was lead to believe I would be paying the two months in which I needed the international phone plan ( XX/XX/XXXX.-XX/XX/XXXX. ), however, they were continuing to charge me. The balance reported of {$340.00} is inaccurate and I'm asking for this to be heavily investigated as it is having a major negative impact on my credit score. 

Company # 2 : XXXX XXXX Hard Inquiry- XX/XX/XXXX. XXXX XXXX. Address : XXXX XXXX XXXX. XXXX, RI XXXX. This inquiry is listed on my report as a hard inquiry, however, this account is inaccurate. This inquiry must be a mistake on the credit bureau 's end because I am fully unaware of this. I am asking for this hard inquiry to please be reviewed and removed from my credit report. 

Company # XXXX : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX. Original creditor : XXXX XXXX XXXX. Creditor/collection agency : XXXX XXXX XXXX. Amount {$250.00}. I am unsure as to why this charge is showing up on my credit report as my health insurance was paying for this to my knowledge. I have not received any paperwork/ mail from the company, therefore, this account should not be listed as a derogatory mark on my credit report as it is harming my credit score. 

Company # 4 : XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. This is an error.
Product: Payday loan

I 'm not really even sure who the original lender is. All I know is on XX/XX/XXXX my paycheck was garnished and I never received any notices. I got a letter with my pay stub saying midland llc garnished me. I did a little research and apparently some company by the name of XXXX was suing from XXXX. Never dealt with them before. I called midland and they gave me another number to call but they never answered
Product: Consumer Loan

My car was repossessed by Ally Financial Inc . There was an outstanding debt on the lease in the amount of {$5900.00}. An agreement was made through their attorney, XXXX, XXXX, XXXX XXXX XXXX on XXXX/XXXX/15 to settle the outstanding debt for a lump sum of {$2000.00} which I paid on XXXX/XXXX/15. On XXXX XXXX, 2015 Ally Financial Inc. who had been paid the settlement still reported to my XXXX credit report that the account was still unpaid and past due in the amount of {$3900.00}. This erroneous reporting hurt my credit and caused monetary and emotional damage to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  1 ' ) account XXXX original account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 29602 has violated my rights!

15 U.S.C.1681section 602 A it also a consumer reporting agency can not furnish an account without my written instructions.

2 ) account number : XXXX XXXX XXXXXXXX BANK N.A.
Product: Credit reporting or other personal consumer reports

I mailed a dispute to all three credit reporting agencies in regards to an account on my credit report from XXXX XXXX XXXX for inaccurate reporting. This account is reporting a different payment history with each reporting agency. XXXX and Equifax verified the account as accurate, but I have reason to believe that the account was not thoroughly investigated which is my right under the FCRA. 
XXXX XXXX XXXX - Account number : XXXX Remove this account from my credit report because you are continuously reporting charged off status in the payment history all the way until XXXX XXXX when this account has been charged off since XX/XX/2022. You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report. 
In addition to the above mentioned dispute, this account is reporting as if I had a loan with this company since XX/XX/XXXX, which is untrue. XXXX XXXX is the day that I opened a checking account with this credit union.
Product: Checking or savings account

Dear CFPB agent, I opened a case with US bank and I was very frustrated on how they handled my case. It was a violation on my Client agreement with them when I opened the account and for some reason my account information or data was changed or manipulated by the bank 's Fraud Dept : 1. ) On Overdraft Coverage/Protection : I never opted for an overdraft protection when I opened the checking account I filed a case on, There was no verbal or written authorization from me. Despite that that they paid an ACH item for {$5000.00} on XX/XX/2020 that was unauthorized. They took {$4200.00} from our savings account to my checking account to cover a {$5000.00} ACH item that overdrew my account - {$710.00}. I made sure through online banking that I did not have an overdraft protection. I never had overdraft coverage on all our accounts and on XX/XX/2020 I received a message from the bank that my account was changed to a marked " YES '' for an overdraft protection coverage, this was the same date they denied my claim.I never changed any of my banking terms on-line. We can investigate on this and get an audit log of the who is made the changes. 

2. ) On Alerts via text or email messaging : I opted for this and we've been getting alerts but not on the {$5000.00} item that was paid on XX/XX/2020. 

3. ) On the Fraud Dept errors : I opened a case on XX/XX/2020 but it was declined then closed, and the item was returned with " insufficient funds ''. I was told that the item the case was opened with was the wrong item since there were other {$5000.00} items returned unpaid on the same date, also unauthorized. So they opened a new case on the correct item that went through and paid. XX/XX/XXXX. Then it was again declined and closed. There was a total of 4 cases opened and declined due to bank errors 4. ) On Provisional Credit : I have received the form to be signed a day before they expired for a provisional credit, this happened 3 times. To meet the deadline I faxed these signed forms at the branch. They also instructed me to send the original via certified mail and I did. They never gave me the credit despite their mistakes. 

This has been very stressful to me and I told them they will hear from my lawyers and will report them to CFPB. I want you to do what you need to do since you are the authority responsible for unethical and negligent acts of this financial institution. How they're handling the case and treating me has been discriminatory. I hope CFPB is far from discriminatory as expected. 

Mrs. XXXX XXXX XXXX ( XXXX ) XXXX Realtor/Loan Officer XXXX  XXXX XXXX XXXX XXXX XXXX DRE # XXXX NMLS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I leased a flute for my daughter in XX/XX/XXXX. I returned it in XX/XX/XXXX at the end of the school year and then came back to rent it again in XX/XX/XXXX when school started again. I was not in possession of the flute during the months of XXXX XXXX XXXX. XXXX was still charging my account on Autopay. I had to replace the card because it was stolen and never set the autopay back up because I was not expecting any charges from them since I didn't have any equipment. Then when I picked up the flute again in XXXX, they reported me to the credit bureau as if I had the flute the entire time and I was XXXX days past due. When they reported it to the creit bureau, they reported it as a residential lease which looks like I have a XXXX  day late on a mortgage and is affecting my credit score immenslely making it impossible to get any type of financing approved. I also never gave them any type of permission to report or pull my credit what so ever. This is complete improper use of my credit report. As per FCRA, They have to report accurate and fairly. I m requsting this be removed from my credit or I will seek remedy in court.
Product: Credit card or prepaid card

Hi, Hope all is well and safe. 
There's a balance transfer charge on my TD bank credit card that I dont recall having initiated- {$130.00} and then a balance transfer fee of {$5.00}. 

I contacted TD bank but they are unable to assist me, stating that the balance transfer is valid. They did not offer me any explanation. They said they investigated and found that the charge is valid. So if they did investigate, they should be able to see who the person and credit card/bank info is. 

Like it would have to be one of the credit card I have with my name and S.S # and current address info, etc. 

They reverted the charge the first time but then the charge came back on my credit card. 

Please assist! At least give me information on the balance transfer info of the person/credit card/S.S # matching mine? Maybe identity theft? 
I did not open any new credit card recently to initiate a balance transfer.
Product: Debt collection

For month 's I was back and forth between XXXX XXXX XXXX XXXX, and Medicare. At one point during the dispute the Medicare Representative asked for XXXX XXXX XXXX to call them. They refused, I was stunned, and here we are. 

I went to buy a car and found that my credit score had PLUNGED BY XXXX points. I paid for a copy of my XXXX-bureau credit report, and found that " while we trying to sort things out '', the XXXX XXXX XXXX was putting negative remarks on my credit report, AND sent my account out for collection. 

I was provided no notice from them, or the collection agency. The items were just embarrassingly there - in my credit reports when I was at the car dealership. 

The last Medicare Representative I spoke to said the XXXX Hospitalists were in violation of their contract with Medicare, and they ( Medicare ) would escalate my claim. 

I am still waiting.
Product: Credit reporting or other personal consumer reports

Experian is violating my right to privacy, Ive requested them to delete an account and they denied my request. As a consumer I have the right to privacy and Experian does not have my written permission to furnish this account on my consumer report. I never gave XXXX XXXX XXXX  permission to collect. Im requesting this account is removed.
Product: Debt collection

A notice was sent to me on XX/XX/XXXX by NATLCRSYS ( address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Georgia XXXX ). Original creditor XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX in collections amount of {$350.00}. I never lived in XXXX, I dont know where the debt came from but its on my credit report and in collections.