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

The XXXX XXXX account is not mine, my ex husband and his mistress forged this account in XXXX when I found out about the account I contacted the police and XXXX XXXX XXXX XXXX and have been battling for over 3 years to get this account off me. I hired XXXX XXXX to help me and they submitted a challenge to Trans Union, XXXX and XXXX to request the contract because they will not provide to me. I have a Identity Theft case opened with the FTC reference # XXXX. I have been hitting a brick wall with trying to get this fraudulent account off me. I am asking that the credit bureaus request the actual contract. I have asked XXXX XXXX and they sent me a payment history? XXXX has removed the fraudulent account and I am asking XXXX and Trans Union to request the contract and investigate accordingly. I have opened several disputes with XXXX and Trans Union and they are not investigating, they are only going off the word of XXXX XXXX XXXX XXXX and coming back saying the account has been verified and updated. What information are you receiving to update? I would like to see the contract and my signature?
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

Hello, my name XXXX and I am calling because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely /. I am asking to provided information if not please delete wrong information.
Product: Mortgage

I have tried to make a mortgage payment through the internet with the company MyLoancare.com webpage since yesterday and apparently the web page has vanished. So i tried to call their customer phone line XXXX and a recording says that loan care systems is currently down and their agents don't have access to the system. Thank you for any help you could offer and hoping everything will go back to normal again. So i could continue to pay my mortgage. And Please Investigate since their is no communication with this company.
Product: Checking or savings account

On or about XXXX XX/XX/XXXX, I opened a checking account with Bank of america. As I am in the mode of consolidation of my bank accounts, I requested Bank of America to close my account via chat on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested them to close my account and I have already moved out my funds out of this account. I was told that low balance fees will be charged on XXXX XX/XX/XXXX and they will be closing the account prior to that. 
But to my shock Bank of america didn't closed my account and instead charged me low balance fees of {$4.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; Original Creditor : XXXX XXXX ) XXXX Balance : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

Since XX/XX/year> Citigroup, Citicards and Citibank had continually blocked and blacklisted me from getting any type of products with them. They have denied me to be a co-signer on credit cards, dont allow Citibank clients to transfer XXXX XXXX money to me in any shape or form. Never approved any credit card application without providing further information even after having a XXXX credit score. Closed all accounts I used to have with them and only kept my mortgage loans with them.
Product: Checking or savings account

I opened both a checking and savings account this morning, via online. I funded both accounts. Now, I cant access either account either online or via banking app.
Product: Debt collection

I get repeated calls for debts owed by someone with the last name of XXXX. I have no idea whom this person is. They are not myself nor any relation to me. No matter how often I tell these people this is not the XXXX 's number, I continually get calls for their debt collection!
Product: Student loan

This is the second complaint that I have filed against American Education Services, previous file number is XXXX AES responded to my complaint after they had reviewed my files. In the reponse they stated that a letter was uploaded with the details and there is no letter on file and or I have not received any correspondence via mail. AES had also stated that I had contacted them in XX/XX/XXXX to request a forebearance, which I did not because I was not made aware that XXXX XXXX was now servicing my loan as I thought it was being serviced by XXXX XXXX XXXX, the company that I thought I had consolidated with. I was not made aware of the " fraudulent '' activity until XXXX XXXX XXXX. Per AES 's instructions, I have attempted numerous to access my acccount online with my social security number and I get error messages and or there is n't an account. AES also stated that they supplied the account number in the response to the first complaint, which they did not. AES also stated that my loan was consolidated in 2014 with XXXX XXXX, my credit report states that it was transfered. That was when I consolidated with the XXXX XXXX XXXX XXXX and I was not notified by either AES for XXXX XXXX that my loans were transferred. I am currently working with the Attorney General 's Office in trying to sort all of this out, as the consumer federal portection bureau was not able to contact me in regards to the fraudulent activity by XXXX. It would be helpful if there is a contact person at XXXX XXXX that I could speak to in an attempt to get access to my account. I have attached the documents in reference to XXXX and the suit that was filed by CFPB. I am requesting a good will adjustment to my credit files as I am trying to rebuild.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX XXXX / XXXX/ {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Product: Credit card or prepaid card

Walmart has overcharged my account with debts that are not incurred by me. There are two items that I recognize XXXX XXXX adult trike picked up on XX/XX/XXXX ( due to accident my van was destroyed ) and a XXXX XXXX. Thereafter, I do not use Walmart card to purchase any clothings neither accessories. Walmart card is only to obtain vehicle related emergencies. I do not change oil at walmart neither. After the adult trike on XX/XX/XXXX and before that date I was only making payments. I have kept my credit low and limiting myself to only necessary items. Seems after XX/XX/XXXX are charges that are not my purchases. thereafter Walmart makes appear in my statements, exaggerated fees and interests over the amounts of charges that I did not incurr. I called Walmart two times. I was told that charges were going to be removed, that it was not my fault. I called to make a payment and the charges are still there the balance has reached the XXXX and walmart makes appear purchases two months after the card was reported lost. How can walmart authorize charges after a card is lost and prior to the card getting lost while not removing the overcharges neither the exaggerated interests in charges not incurred by me. I have spoken three times with Walmart supervisors and they promise to fix the problem verbally over the phone, but the account still shows overly charged. I went to deposit XXXX diollars in a blue bird card to make the payment a cashier at walmart on XX/XX/XXXX took my cash and only XXXX reflect in the bluebird card. I went to walmart, spoke with XXXX a XXXX man that claims to be the assistant manager and refused to seek for the video to place my money back in my card. Likewise, the charges in my walmart card are run by Synchronity bank. I do have the statements and have revised one by one the statements with my surprise that seems a scam the list of charges. This is traumatic for someone that has maintained a balance in my ways of using Walmart card and is obvious to see the statememnts prior to XX/XX/XXXX ( noticing that non authorizes charges are in XX/XX/XXXX as well, but I had not been aware that someone was using or charging my account. who else can use my account if not walmart itself> In regards to the cash taken from my hand, I require that walmart seeks for the video at the  cashier that did not deposit the full amount but only placed XXXX out of XXXX dollars handed. This is not correct, I work so hard and I have been making payments assuming that all was correct, until I see the statements and after reporting my card lost. seems there was usage prior of the card lost. Please publish this. If I can provide the statements and actual items that I have acquired, It can serve for the public to see how I am getting hurt. I explained what items I have purchased and those are the only two last items in the XXXX that I recognize as I do have them in my possession. The rest of fees and charges in my account are not incurred by me and need to clear all. the attachments are statements since XX/XX/XXXX through XX/XX/XXXX and after the card lost walmart appears charges using the same card. How?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you after reading over The Cares Act provision and seeking forgiveness based on its policy. 


I noticed that my most recent credit report contains a late payment reported in XX/XX/2023 on ComenityBank/XXXX XXXX. XXXX XXXX. I want you to know that I understand, and have great respect for my financial obligations. Unfortunately, at the time of the incident mentioned above, I, myself and my wife both were shamefully fighting XXXX. Per a call with a rep of ComenityBankXXXX and in a great attempt to maintain my financial responsibility, I was under the impression that I qualified for a deferment plan. Nothing mattered more to me than keeping my relationship and credit worthiness intact. So I expressed great concerns about the possible cons of opting into such a program. I was assured on a recorded call that all shall be well as long as I operated within the guidelines, in which I did. Sometime later I was alerted by one of my credit monitoring services that this account was flagged as 30 days late. I immediately called in and satisfied my balance. Aside from this unforeseen and unavoidable circumstance, you will see that I have excellent payment record.This has been really challenging to my credit worthiness and stressing for quite some time now. Because I felt so betrayed by this creditor, it took me a while to use this card again. Now, I ask for your mercy under The Cares Act amendment. I understand that this is only something you can rectify. I am planning on refinancing my home and it has come to my attention that the missed payment on my credit reports is hurting my ability to qualify. In my heart, I know that the missed payment doesn't reflect my solvency. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment on XX/XX/2023 from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly it. Thank you for your consideration. Have a blessed day!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$1900.00} XXXX XXXXXXXX BALANCED {$440.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX BALANCED {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$410.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BALANCED {$160.00} XXXX XXXX   ( Original Creditor : XXXXXXXX XXXX XXXX XXXX BALANCED {$930.00}
Product: Checking or savings account

I noticed an unidentified charge on my chime account from XXXX that was not showing on my XXXX account. I contacted XXXX and they wouldnt help. I then contacted chime and was told my card was compromised so they replaced my card and filed a dispute. I submitted the screenshot I had of my contacting XXXX The dispute was then canceled by chime and denied within 8 hours of the initial claim and they refuse to assist, reopen the claim or provide information they used to deny the claim. The {$94.00} charge was not made by me as is shown in my purchases from XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck 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 send an updated copy 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.
Product: Student loan

I received a call in XXXX that my private Discover Student Loan ( serviced by XXXX XXXX ) was in default and there was nothing I could do to bring it out of default. I was attending school and somehow the information was not relayed that I was still in school. The representative informed me that if I did not make payments, they could garnish my wages. I did not have the money at the time to make a payment. The loan servicer has continued to call me aggressively. The loan servicer also made calls to my family. Recently, I went online to try to make a payment but the account now States " referred to law firm ''. I also noticed additional fees were attached.
Product: Vehicle loan or lease

On XXXX XXXX I went to go check my credit. I noticed that Flagship Credit Acceptance I put remarks as to being late on my credit report. According to 15 U.S. Code 1681b - Permissible purposes of consumer reports is states that Flagship Credit Acceptance or any company need my written consent to add anything to my consumer report if i did not give this authorization that is a violation of the Fair Credit Reporting Act.

This is the second time I have told this company about this and they have done nothing.

I have to action this has hurt me and my family in many ways I havent been able to live the quality of life due these negative remarks that I havent approved of. 
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I am ready to take legal action.
Product: Credit reporting or other personal consumer reports

This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and inconvenience as it has impacted my ability to secure credit approvals.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> To : Experian Address : XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Correction of Credit Report Violations of U.S. Laws Dear Experian Representatives, My name is XXXX XXXX XXXX, and I am writing to formally request a correction to my credit report. Specifically, I am disputing a late payment record that appears inaccurately on my report. This error constitutes a violation of several provisions under U.S. law regarding the accuracy and protection of consumer information. 

The following legal provisions support my request and highlight the importance of accurate and secure reporting practices : 15 U.S. Code 6801 Protection of Personal Information 15 U.S. Code 6802 Obligations Regarding Disclosure of Personal Information 15 U.S. Code 6803 Disclosure of Privacy Policies 15 U.S. Code 1681e ( b ) Accuracy of Credit Reports 15 U.S. Code 1666b Timely Posting of Payments 15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of Certain Transactions from Credit Reports 18 U.S. Code 1028A Aggravated Identity Theft Pursuant to these laws, I respectfully request a thorough investigation into this late payment record. If it can not be verified as accurate, I ask that it be removed from my credit report immediately. 

For your convenience, here are my contact details : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX I have attached supporting documentation to assist with your investigation. I kindly ask that you respond in writing with the results of your investigation within the time required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Made contact with company to get a copy of contract. Which came up on my credit report. To find out we're this came from They denied me a copy told me that I need to pay a debt that I believe I do not owe. 
I explained that I need verification because I believe someone used my information. Again I was denied they didn't want to hear anything I had to say.
Product: Credit card

I have a case number Case number : XXXX received a letter from XXXX, XXXX FILE # XXXX, Date XXXX XXXX, 2015 saying that my settlement amount is {$69000.00} and i have time to respond till XXXX XXXX, 2015. I called the XXXX and they told me that Citibank closed my file with them and they will contact citibank. At the same time, they told me that the settlement amount is {$660.00}. so even the letter shows more money that I need to pay. I am not sure why all these conflict of information. 
My question, why citibank closed the file with them if I have time till XXXX XXXX, to reply. I called to pay the settlement amount and finish with this issue. Citibank did not inform me of any thing and they are just working with the XXXX without letting me know where I should pay. 
Can you please, help me because this letter shows that I should talk to XXXX if i need help. 
I need to know why CItibank closed my file with XXXX without letting me know where to pay. 
thank you for your time and help. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America has been collecting payments from me for months and today I visited a branch and the representative there told me my credit card account had been closed. I called the number on the back of the card, first talking to the credit card representative, next talking to the collections representative, then finally talking to a customer service representative. Neither of them could send me documentation in regards to them closing my account. I still receive statements for the credit card account and make payments on it. However, there is no documentation sent to me in regards to what status the account is in, how they are applying these payments, and how the account was closed in the first place. I asked how this account is being handled ( if it is in collections ) and nobody at Bank of America could answer that question. They should said to pay it or else. They did say the account was closed around XX/XX/XXXX of XXXX. I visited the branch on XX/XX/XXXX of XXXX, 6 months and I had no idea I was paying on a balance that was not tied to my credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX I reviewed my Consumer Reports and noticed that I had multiple late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX Account number XXXX. Please investigate and PROVIDE PROOF with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation.