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

I XXXX XXXX, am a victim of I identity thief. I have reached out to the bureaus numerous of times with no response and I am in the process of seeking legal damages. My attorney ( XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX, has noticed several breaches in the FCRA concerning my case. I see student loans seeing I have never been to college a day in my life. This has to stop. I have filed a police report months ago and sent ii in certified mail. Nothing has been done. I have faxed and called XXXX, Equifax and XXXX. I was turned down for a mortgage and my family and I was forced to live with relatives. This is embarrassing and truly a hindrance. I have went in to a XXXX   XXXX behind this because I've had issues with law enforcement based on the fact that the thieves used my information to commit a white collared crime .These are the erroneous and fraudulent accounts in detail : XXXX XXXX {$10000.00} XX/XX/XXXX XXXX US Dept Of EDU {$66000.00} XX/XX/XXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX/XXXX {$38000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX INQURIES XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX  XXXX XXXX Customer Service Manager at XXXX XXXX  XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX   XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX  XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX and Chief Client Officer Equifax LLC XXXX XXXX XXXX XXXX Equifax LLC XXXX XXXX XXXX Equifax LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX XXXX VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President XXXX   fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Executive Vice  President XXXX XXXX XXXX XXXX XXXX Director Fraud and Identity management XXXX   XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX  XXXX XXXX XXXX XXXX Director-XXXX   Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Debt collection

The third party collection agency is reporting inaccurate information to each of the credit bureaus ( XXXX, XXXX & XXXX ). This company has re-aged an account listed to reflect a recent collection of XX/XX/XXXX and continues to report this falsified information even after one of their representatives has verified the original date of delinquency of XX/XX/XXXX which confirms that the correct information is on file but because the statue of limitations to sue would be expired the company is intentionally re-aging the account. I have disputed this account several times but it keeps being reported. It was originally disputed XX/XX/XXXX.
Product: Student loan

Best I can tell my original lender transferred/sold my XXXX student loans to Sallie Mae around XXXX XXXX during which time ( XXXX - XXXX ) Sallie Mae NEVER once contacted me in anyway to inform me that they were now servicing my student loans. In XXXX XXXX a gentleman contacted me on my cell phone informing me that he was with the NY State Dept of ED and he was contacting me about the student loans I had defaulted on. I stated to him that I was wondering what ever happened to those loans because I have n't heard from anyone or received any correspondence in years. After placing me on hold to review my account he then transferred me to another department who after almost 1-hour informed me that my loan was all XXXX but I had to bring my loan current before I could address it. I was told that I hit with {$77000.00} in penalties, interest and fees which have been added to my original loan balance by the loan servicing company ( Sallie Mae ). The bottom-line is that Sallie Mae took over my student loans which totaled {$59000.00} when it was transferred/sold to them in XXXX and intentionally put me in a situation so that they could run up my bill and hit me with an additional fees ( {$77000.00} ) which as of this writing is destroying my credit, limiting my career/business options and even preventing me from securing a home loan or business loan so that I can provide for my family. As of this writing XXXX/XXXX/XXXX Sallie Mae is reporting to credit bureaus that I am 120+ days late and owe {$130000.00}
Product: Credit reporting or other personal consumer reports

Hello ; to whom it may concern, I recently sent out letters to the three major credit bureaus asking them to investigate my credit report to ensure everything is accurate and verified. I even went a step above and circled everything that was inaccurate on my credit reports before sending them out. After getting a reply from the bureaus saying that everything is accurate, verified and or updated, I noticed that there are still inaccuracies within my reports. I am a XXXX XXXX XXXX XXXX looking to buy a home for my family and I absolutely need to have accurate credit reports to ensure my success in doing so. Also, all of my documents will be mailed out from the investigation. 


In accordance with the fair credit reporting act or the FCRA, the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy. It also states that the banking system ( credit bureaus ) is dependent upon fair and accurate credit reporting.

15 U.S.C 1681 section 604 A section 2 ; states a consumer reporting agency cant furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the outcome of my multiple attempt to follow up on the removal of fraudulent items from my credit file. Despite multiple efforts to address this issue, the response from your company continues to be unsatisfactory, leaving me concerned about the integrity of your procedures and the impact on my financial well-being. 

Despite providing extensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, my previous attempts to rectify this issue have been met with inadequate responses and delays. The lack of accountability and transparency in handling this matter has left me feeling frustrated and powerless. 
I have faced undue financial hardship and distress due to the impact of these items on my creditworthiness, hindering my ability to access credit and obtain favorable terms. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

Bill was paid in full on the XX/XX/XXXX including any pending charges before billing cycle of XX/XX/XXXX on XX/XX/XXXX I was charged {$13.00} for interest I called and spoke to a customer service person and a supervisor about how XXXX days after a XXXX balance on the account is now charged interest. Their story is because it is considered a revolving card the continue to charge interest. I replied they can eat that interest and cancel the card however I didnt wait around for more of their excuses to make profit for nothing. The Card holder Bank is Capital One Bank.
Product: Debt collection

XXXX and XXXX of XXXX  were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical California drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a XXXX  XXXXXXXX XXXX XXXX account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live.
Product: Credit card

I noticed on my transunion report there are XXXX accounts on there that i have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX Please remove or help me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL ACCOUNTS PERMANENTLY LISTED BELOW : NO WRITTEN CONSTENT TO DISCLOSE PRIVATE INFORMATION 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Item XXXX - Disputed Charge Of Appprox {$170.00} I brought a XXXX printer ( @ approx {$170.00} ) from XXXX on XX/XX/XXXX with XXXX year manufacturer warranty. Since, then this printer had " ongoing '' issues. Both XXXX and XXXX did not resolve it. I disputed this charge with this Credit Card Company. This Credit Card Company asked all the paperwork. I USPS mailed all paperwork on before XX/XX/XXXX. Now this Credit Card Company fraudulently reversed the provisional credit of approx {$170.00} on or about XX/XX/XXXX and refused to investigate and credit me the disputed charge of approx {$170.00}. 

Item XXXX - Missing Approximately {$4300.00} XXXX XXXX This Credit Card Company fraudulently removed about XXXX Rewards point
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we ( XXXX & XXXX XXXX ) issued a credit freeze request to all 3 companies due to news reports of online fraud. In XXXX we wrote letters to all 3 to lift the freeze off our accounts. I have confirmation letters from all three that cancels the freeze ; however, Transunion never did that. I have called, I have written numerous letters, etc. but I just tried to change my electric company to lower my rates and once again received this message : " We have been notified of a credit freeze by TransUnion credit agency and are unable to process your service request online. Please contact TransUnion at XXXX for more information and to remove the freeze. Once your inquiry has been resolved please re-submit your order here at XXXX  or call XXXX at XXXX to submit your order for this plan over the phone. '' I am XXXX XXXX XXXX. I can not deal with these people again. They lie. We cancelled this freeze 4 years ago. Please help me. 

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

Westlake financial has a derogatory account on my credit report for a vehicle in which they never owned or had the title to. The account has kept me from gainful employment and from achieving the credit score I desire. I have called them over a hundred times but to no avail. I recently demanded Mr XXXX respond to me immediately. Of course he has not. So before I file suit I just want your advice and assistance with the matter. This issue has been going on since 2015.
Product: Debt collection

I was informed by a collection company, Procollect , Inc, that I need to pay a debt of {$1900.00} for an apartment listed below : Apartment name : 09 XXXX  XXXX XXXX  XXXX  Apartment address : XXXX XXXX XXXX, XXXX, IA XXXX Management company : XXXX  XXXX  & XXXX, XXXX I do not own this apartment for any money. It is absolutely a mistake that may be caused by an identification information breach. Please remove the collection from my credit report at your earliest convenience.
Product: Mortgage

XXXX there has been NOTHING done or said bout fixing the PMI issue
Product: Credit reporting or other personal consumer reports

I notified equifax of too may errors reporting on my consumer file. I included a copy of an official equifax consumer report from their official website. I highlighted the inaccuracy and incompleteness of the reporting of data as well as payment history being wrong misleading and misrepresented accurately. equifax send me a letter stalling me out .making me feel stupid and pretending that i would go away and not fight for my consumer rights under FCRA XXXX I feel that equifax has a serious compliance issue as being very poor in the procedure compliance when it come to fixing errors on the consumer files. Please help CFPB as I am being ignored after catching equifax on several FCRA violations 15 USC 1681i and 15 USC 1681e ( b )
Product: Credit card or prepaid card

I have been a with AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit card

I became aware of an account opened with Chase bank when I applied for a credit card and was denied due to delinquency with the bank. I informed the Chase bank that I have no account with Chase bank, so they looked up my SSN in their system and they found there was and account open with my SSN in another name. After two and a half hours on the phone with Chase, I finally reached the Security and Fraud team of Chase who asked me to fax a copy of my SSN Card to them. I have problems with the situation where I 'm trying to report Identity Theft and fraud to a company that wants me to prove who I am by me faxing my SSN Card to a location that I can not determine the destination. During my talks with them they had immediate credit reports from XXXX, XXXX, and XXXX at their fingertips that indicate that my SSN is connected with my name, yet they place the burden of proof on me to prove who I am after failing to perform due diligence in verifying the person whom opened the account with my SSN. I was underwhelmed by their service. Chase was delinquent in obtaining sufficient identification from someone who sought and achieve taking money from them in the form of a loan, and they have place the burden of identity on me. It appears that Chase has sold the loan to a strong arm collection agency and I 'm now being asked to pay the money at XXXX and other crazy times. Very upsetting. Chase get with the program, you should be ashamed.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX - XXXX - {$740.00} XXXX BANK XXXX XXXX XXXX - {$2300.00} Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care and no ever response or responses receive, 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 listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

XX/XX/year> I took out a loan to purchase a motorhome. I put XXXX down & financed XXXX. 

XXXX payment was due XX/XX/XXXX, I paid {$5000.00}, a stmt was generated XX/XX/year>. 

XX/XX/XXXX I made another payment of {$5000.00} XX/XX/XXXX I made another payment of {$5000.00} I've been calling, emailing and calling again requesting a current stmt. I've been told, there isn't a stmt because you have overpaid. Also, my XXXX loan jumped to XXXX, not sure how this happened as the interest was XXXX the XXXX month
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$890.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting a collection account on me that is inaccurate. I have disputed with the m and they never responded to my dispute but however they did update the comments on my credit report that the account was disputed. There is no way they investigated this because if they had they would have deleted this. 
This account information that they are reporting is wrong and fraudulent. Please have them do the right thing and remove this. 

Disputed account listed below : XXXX XXXX ( Original Creditor : XXXX AT XXXX ) Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX XXXX XXXX store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from Trans Union and was affecting my credit score for example XXXX trans union and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that Trans Union would not do it due to the length of time. I then called Trans union they told me that they had no such request logged on there system and was told by trans union that if the card was in good standing they would report the information correctly. So i can only assume that XXXX XXXX /XXXX are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.
Product: Debt collection

My loan was transferred from XXXX XXXX XXXX to Fay Servicing. Date of transfer was on XX/XX/21. My account number under XXXX  is # XXXX. 

My concern is I am being charged astronomical amounts of money and NEVER notified as to what the charge was. The attached document from Fay Servicing shows a Corporate Advance AdjustmenXXXX ( XXXX in the amount of {$5300.00} and the other in the amount of {$13.00} ). 

I am now just finding this out because of the year in statement received from Fay Servicing. 

When I questioned representatives from both places they had no idea where it was coming from. 

When looking this up online, the definition points to some Lawyer fees relating to based on foreclosure. My home was never foreclosed on. I filed a chapter XXXX. XXXX never sent me anything on this. 

If I am not refunded I will seek legal counsel if no one can help here. You can't charge people and not ever send any documentation to the borrower.