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

I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX  XXXX Balance : {$16000.00}.
Product: Credit reporting or other personal consumer reports

the company refuse to block these fradulant accounts from my consumer report.
Product: Credit reporting or other personal consumer reports

Contact TransUnion with ALL correct documents. No correction has been modified.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent {$230.00} to XXXX using XXXX Money Transfer service. I have used the service since the year XXXX and have sent more than {$6000.00} to XXXX for international remittances. I have never had an issue until today. The company is claiming money laundering and requesting income statements and identification. It is illegal to request such information from the person sending money. The transaction was cancelled and now I have to seek services elsewhere to pay the bill.
Product: Checking or savings account

Banks Rob me {$100000.00} Dollars and 20 sperate Banks lawyers say its imposable to comprend then 15 years the Police Harass me when go outside so never leave my apartment and I took a Screen Shot Picture of Front and back of a Check uploaded to secure email and Chase bank wont cash it. 
My {$15.00} XXXX XXXX is not secure enough to do Banking and to small and difficult. XXXX XXXX and XXXX XXXX market log in both have a box to check to rember user name and or Password Banks or XXXX Rember all Bank user names and there no way to stop them so You can rob anyone cell Phone rember all customers user name and use a Phone Verification to Change Password XXXX XXXX Refuges all Banks require International Long Distanced to Call a Bank 1800 Number Defendants Discriminated against me and similarly situated people based on race, color, national origin, disability, age, sex, religion Violates genocide laws, war crimes, crimes against humanity and aggression, Universal Declaration of Human Rights, 42 USCS1346 ( b ), 28 U.S. Code 2671 to 2680, 42 USCS 1983, 1985, 1986, 28 USCS 1331 ( a ) - 1334, 42 USCS 2000bb-4 and 2000cc-2 ( a ) RICO Act 1962 ( d ) First, Fourth, Fifth Sixth, Eighth, Fourteenth Amendment and Bivens Action SEE XXXX XXXX XXXX Unknown Named Agents, 403 U.S. 388 ( 1971 ) and 1983 Supreme Court allows Malicious Prosecution Lawsuits only when all Charges Dismissed and 1st Amendment Retaliation Claim
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and aXXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

EXPERIAN is reporting 2 accounts as auto loans on my consumer report. I need documentary proof of accounting showing that I received a monetary loan for a vehicle. I never received any auto loan therefore EXPERIAN has been violating me reporting these accounts inaccurately which is a direct violation of metro 2 standard. Especially when they claim to have verified these accounts on XX/XX/2023.
Product: Credit card or prepaid card

This is a Suntrust XXXX XXXX credit card. 
TRUIST took over SunTrust. TRUIST told me they can not help me because Suntrust gave this account to a " third party ''. 

I made my payments before the due date but they still charged me extra interest and a late fee. They will not help me on the phone. They give the runaround. The letter I sent to their XXXX XXXX was returned by the post office, labeled " no such number '' I want the interest and late fee refunded.
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 accounts 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 accounts : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Student loan

Inaccurate reporting for several accounts w/ Fedloan servicing. I called around XXXX of 2014 to reinstate my account and was told that I could have a forbearance put on my account which would be retro-acted to the beginning of delinquency. I specifically asked if this would also change the reporting of those months. I was advised that it would show as a forbearance on my credit for those months. I request that all of my accounts be updated to reflect XXXX 2014-XX/XX/XXXX 2014 to reflect as under a forbearance plan or current. XXXX of the accounts already reflect current for XXXX 2014 only. Additionally, I request that they remove the " customer disputes '' language/notation from ALL of my fed loan servicing accounts once reporting is fixed. To ensure proper research I direct you to the first conversation in XXXX and listen to the recorded conversation that stated my credit would show forbearance and no delinquency. I have reached out twice now with NO RESPONSE to get these matters fixed.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report due to identity theft, as permitted under Section 605B of the Fair Credit Reporting Act. I have recently discovered that my personal information has been used without my consent, resulting in inaccuracies on my credit report. THE FRAUDULENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ****PLEASE READ THE FTC REPORT ATTACHED IN DETAIL****
Product: Mortgage

IN XXXX OF THIS YEAR I SUBMITTED A COMPLAINT AGAINST SELECT PORTFOLIO SERVICES FOR XXXX MY HOUSE PAYING AFTER JUST ONE FORBEARANCE PLAN I WAS DENIED 2ND FORBEARANCE PLAN AND WAS TOLD I DIDNT QUALIFY FOR A MODIFICATION WHY WAS I DENIED A SECOND FORBEARANCE PLAN???? AFTER SELECT PORTFOLIO SEVICES TOOK 2 MONTHS TO GET BACK TO ME EACH TIME I ASKED FOR HELP I KNOW I AM NOT THE ONLY ONE I ALSO SAW COMPLAINT AGAINST SPS ON THE XXXX  COMLAINTS SAYING SPS TOOK MANY MONTHS TO GET BACK TO THEM WITH MODIFICATION RESULTS OR WE DIDNT SUBMIT ALL THE PAPER WORK WHEN WE DID SPS WOULD JUST COME UP FOR ANY REASON BECAUSE THEY HAD SO MANY PEOPLE ASKING FOR HELP THEY WERE NOT PREPARED SO OUR MORTGAGE PAYMENTS PILED UP I DONT CARE IT SHOULD BE ILLIGAL FOR A HOMEOWNER TO LOSE THERE HOUSE BECAUSE THEY LOST WAGES JOBS TOLD TO STAY HOME DUE TO A PANDEMIC WE HAD NO CONTROL OVER MY HOME IS IN XXXX COUNTY CALIFORNIA XXXX XXXX IS ONLY XXXX MINUTES AWAY SO THAT MEANS WE WILL BE TOLD TO PUT OUR MASK BACK ON BECAUSE LA IS GETTING HIT HARD AGAIN WHERE IS THE BILLIONS CALIFORNIA IS SUPPOSED TO GET I REACHED OUT TO HUD MY COUNCELOR SUGGEGESTED I FILE ANOTHER COMPLAINT BECAUSE SPS DENIED ME TO MODIFY MY LOAN I DONT CARE GIVE ME A 4O YEAR MORTGAGE CALIFORNIA IS TRYING TO FIND HOMES FOR THE HOMELESS NOT MAKE MORE FAMILIES HOMELESS I AM A XXXX XXXX WHO WORKED HARD FOR THE AMERICAN DREAM SO I AM SUBMITTING THIS COMPLAINT BECAUSE MY HUD COUNCELOR SAID THEY CANT DENY MY A MODIFICTION APPLICATION
Product: Credit reporting or other personal consumer reports

recently checking my credit report i notice that i've been victim of identity theft and found numerous credir inquires i have no knowledge of, here are the inquires that i have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please remove these fraudulent inquires from my credit report. i also attached my identity theft report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX car dealership to purchase a car and they pulled my credit report several time when i had an approval for one. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Global Lending Services is advertising on their website that customers can make a due date change to their lease at anytime, but when you call in and make the change their stating that you have to do it two weeks prior to your due date coming up and have to pay the amount. It is frustrating because they are providing different information then whats on their website. They didnt provide me with a full contract of what my lease states and There isnt even a way to see your contract on the website. 

No one should have to go through this. Hey provide accurate information on your site so that we dont look or feel XXXX when we call in. 

Then the XXXX XXXX laughed on the phone as if it was funny to be advertising something that isnt accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've noticed this inquiry which i did not authorize or gave any consents on following day : - XXXX XXXX XXXX XX/XX/2017 I surely believe maybe it's fraud or stolen identity. 

As result of this, my credit has been affected and preventing me for applying for loans. 


Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed Public records XXXX XXXX XXXX XXXX  with Transunion and IN response they verified the items to be accurate stating that they verified it with the court. I contacted the court and their response was that they do not report any information regarding bankruptcy to any credit bureau, and no other credit report that i have is reporting it. It is clear that there is an error somewhere please remove the bankruptcy from my trans union report thank you.
Product: Student loan

FedLoan Servicing is mismanaging the Public Service Loan Forgiveness Program. So far, they have failed to properly apply all of my qualifying payments. Although I have submitted my employment certification form each year and have made qualifying payments on each of my loans, there is a discrepancy in how the payments have been allocated. First off, not all of my qualifying payments are showing up in my account. The qualifying payments that do show up are unevenly distributed. Some of my loans show only 7 qualifying payments, while other loans show 16. I also submitted an employment certification form for my XXXX service over a year ago, and they have not processed and applied my qualifying payments to my account. I had to call four separate times to notify FedLoan servicing of the issue, before one of their representatives finally flagged the issue for future review. I call periodically to check up on the status of my account, and each time the representatives are unable to assist me. They say it's out of their hands and they have no idea how long it will take before someone reviews my account. The last representative informed me that they have such a long queue of people who have already completed 120 payments but still have not had their accounts reviewed, that they are unable to estimate how long it will take to look at my account. I was told that my account is not a priority given that I am not close to 120 payments, and this indicates a serious problem in FedLoan Servicing 's ability to manage the Public Service Loan Forgiveness Program. Especially since they are making mistakes on my account this early on, and are unable to fix the issues in a timely manner.
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/23 a letter was sent to transunion disputing some information reporting to my credit that is not accurate. I was advised that a payment was late for this creditor and have not been advised the outcome of my dispute
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX on-line for {$1000.00}, in office loan XX/XX/XXXX for {$640.00}. I spoke with them in XX/XX/XXXX to ask my total cost, which I was told {$3900.00} I ask why and I was told because of my credit I have a XXXX interest rate which I had no knowledge it was that high. I wasn't informed when filling out my application or I wouldn't have accepted that. The lady at the office even helped me lie on the application so I could be approved by putting stuff on there I didn't own for collateral.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

On behalf of XXXX XXXX XXXX, Goldman Sachs Group Inc. uses it's " Marcus '' brand to service XXXX XXXX XXXX 's consumer credit cards. I have a XXXX XXXX XXXX credit card. My complaints are as follows : -received debt/collection total calls from Marcus in a 7 day period greater than is allowed by US law -received calls from Marcus the next day after speaking them about my account. The law says they can't call within 7 days after having already spoken to me about it. 
-Marcus called me on and about XXXX XXXX  and XXXX XXXX -Marcus did not properly identify themselves or provide confirmation when prompted. That is, I wanted to confirm it was my card servicer calling and not just some scammer asking for money -Marcus disenrolled me from auto-pay without permission and notice- which caused me to miss my payment. Hence the reason i fell behind. 

Goldman Sachs Group Inc. and/or XXXX XXXX XXXX disenrolled me from auto pay, caused me to go into arrears, then badgered me over a holiday weekend for debt caused by their improper conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX on XX/XX/2020. I should not have a credit profile. If Experian, XXXX, and XXXX would have done their jobs properly and verified information and not reported fraudulent information. I would not be a fraud victim to begin with. I contacted Experian, XXXX, and XXXX about the fraudulent information on my credit profile and it seemed like a simple fix so as I was told to do. I sent Experian, XXXX, and XXXX a copy of my birth certificate, drivers license, social security card, Federal Trade Commission Identity Theft Report, and a bank statement. Experian, XXXX, and XXXX still hasnt removed all these fraudulent items off my credit profile. Most off the accounts were opened when I was a XXXX XXXX XXXX child. Experian, XXXX, and XXXX did no investigation what so ever. They all informed me that a fraud alert was placed on my credit profile thats all no removal of the fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX 15 USC 1666b Timing of payments. TITLE XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681a Definitions ; rules of construction. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1681b Permissible purposes of consumer reports. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER III : CREDIT REPORTING AGENCIES 15 USC 1692c Communication in connection with debt collection. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692j Furnishing certain deceptive forms. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 15 USC 1692g Validation of debts. TITLE 15 : COMMERCE AND TRADE / CHAPTER 41 : CONSUMER CREDIT PROTECTION / SUBCHAPTER V : DEBT COLLECTION PRACTICES 18 USC 1028A Aggravated identity theft. TITLE 18 : CRIMES AND CRIMINAL PROCEDURE / PART I : CRIMES/ CHAPTER 47 : FRAUD AND FALSE STATEMENTS 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : Consumer Reporting Agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX credit report screen shot to reinforce )
Product: Credit reporting or other personal consumer reports

FOR CFPB I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX credit card accounts ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordante wit the fair reporting act. the list of accounts below has violated my federal protection rights to privacy and confidentiality under 15 usc 1681 Account XXXX XXXX XXXX funding Account XXXX XXXX XXXX has violated my rights 15 u.s.c 1681 section 602 A. i have a right to privacy 15 u.s.c 1681 section 604 A section 2 : it also states that a customer reporting agency can not furnish a count without my written instruction 15 u.s.c. 1681c ( a ) ( 5 ) states no reporting agency not make customer report containing the following items of information any other adverse items of information other then convictions of crimes witch antedates the report more then 7 years 15 u.s.c. 1681s-2 ( A ) ( 1 ) a person shell not furnish any information related to a customer to any customer reporting agency if the person knows or has any reasonable cause to believe that the information is incorrect
Product: Debt collection

Lockhart Morris is requesting that I owe {$2900.00} Which is false even the dates they are giving me are incorrect also this collection was closed a while back they claim to be a Lawyers office they call and harass me AND MY FAMILY several times a day stating that if the debt is not paid in full Ill be taken to court and arrested along with verbal abuse, foul language, rude statements and threats which is very unprofessional I have asked to be mailed proof and proper documentation of the debt and received nothing from them I have also asked multiple times for them to stop harassing Me and my family
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws affecting my credit report. These issues include willful noncompliance, deceptive reporting, and failure to adhere to regulations governing the validation of debts and permissible purposes for credit inquiries. Specifically : Under FCRA Section 616, entities involved have failed to verify the accuracy of the credit information reported about me, constituting willful noncompliance. 
Per FCRA Section 603 ( d ) ( 2 ) ( A ), my right to opt out of sharing personal information was not disclosed, which is both deceptive and a violation of my rights. 
Entities have furnished inaccurate inquiries and accounts without proper validation, violating FCRA Section 623 ( a ) ( 3 ) and accepted standards like GAAP. 
Debt collectors have contacted third parties with misleading information about alleged debts, violating the Debt Collection Practices Act and privacy regulations. 
Late payments have been reported inaccurately and without clear definitions, which is misleading and not in compliance with timely payment regulations. 
Additional violations include failure to determine finance charges correctly, reporting information without my written consent, and improperly conducting unauthorized hard inquiries on my credit report. 
I have detailed specific accounts and actions required to resolve these issues, including validation of debts under 15 U.S.C. 1692g and the removal of inaccurate or unauthorized entries. Without timely action, I will have no choice but to seek legal remedies under the FCRA, as these violations have caused undue stress and harm to my financial standing.