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

I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.
Product: Debt collection

This debt collector calls me all the time and I explained to them I have health insurance and they need to try to collect the claim from them not send me to collections. They told me i was un insured I told them I have XXXX they went on and told me how would you like to take care of the debt and i told them my insurance would have to pay it and the person I was talking to said ok I will put down you dispute the debt and it will say that on your credit report and that was the end of the call.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) that I have identified in relation to my consumer report. The specific violations are as follows : Violation of Security Freeze : I placed a security freeze on my LexisNexis report on XX/XX/2021, to prevent unauthorized access and sharing of my information. Despite this freeze, my personal information has been shared without my consent, violating the security freeze provisions. 

Violation of FCRA Section 607 ( b ) : Failure to maintain reasonable procedures to ensure the accuracy of consumer information. LexisNexis has reported inaccurate information on my consumer report, including an alleged bankruptcy that Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : Reporting inaccurate public record information. The bankruptcy report contains incorrect details, including names and addresses that I have never used.

Violation of FCRA Section 623 ( a ) ( 1 ) ( C ) : Reporting inaccurate account status. The account status information in my consumer report contains inaccuracies that need to be corrected. 

I have attached the inaccuracies of the Bankruptcy.
Product: Bank account or service

I keep trying to submit for a bank acct specifically with chase and a few others and this website keeps popping up as the reference to why i keep getting a denial. I had my identity stolen i have submitted information to all credit reporting agencies as well as companies the police reports and the result in filing a discharged bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to apply for a home Loan equifax would not release my report After numerous calls to them they claimed to have my name incorrect as well as address needed update. 

I faxed the information to them on XX/XX/XXXX I followed up and they claimed not to get the fax I then sent them another fax, as well as a certified letter. 

I followed up with them again today and the information had been corrected. 

However equifax is STILL not releasing my credit score or report to XXXX or XXXX. 

This is severely impacting my life and I dont know what to do at this point. Numerous calls to equifax and Im being told there is no issue- but they still wont release my score to my banks.
Product: Checking or savings account

I am a new sofi customer who signed up for direct deposit. I did not receive my sofi debit card at the time so I attempted to XXXX my chase account for I could access my funds. SoFi put a restriction on my account and now I have no access to my funds. I have called several times and verified my identification and the account activity. I answered several security questions and my account is still restricted leaving me with no access to my funds. Every time I call the agents are not helpful or can give a clear reason why this matter is not resolved. This has severally inconvenienced me and is leaving financial hardship on my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent first dispute on XX/XX/2021 to remove unverified accounts ; got back a credit report with no information. Sent second dispute on XX/XX/2021 as a second attempt to remove unverified accounts ; got back a credit report that says " verified ''. I also had an unauthorized inquiry and I sent that for dispute and have not gotten it removed. Sent a third dispute letter to send how they verified their information on XX/XX/2021 and have not got back anything within those 45 days. Sent a second attempt and nothing. on XX/XX/2021 I sent a letter to remove accounts which they could not have method of verification and have no response nor removal. I will file a complain with FCRA, FTC and the AG of the state to have this removed and will file suit as well for non response and no removal. I've attached the dates the letters were sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer XXXX XXXX XXXX : XXXX, ConsumeXXXX XXXX XXXX XXXX : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumeXXXX XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I sent a check to pay my Citibank credit card bill in full, {$13000.00} and the check was cashed on XXXX XXXX and cleared the bank account on XX/XX/XXXX. As of today, XXXX XXXX, Citibank can not find the check and has not applied the amount to my account. 

After 5 calls from me and 5 calls from XXXX XXXX company, the company that sent the check, we have been stalled, asked to supply various details ( check number, account, etc. ) and have on multiple occasions with no resolution. Citibank hung up on me today when I called again for a follow up and answer to the issue of where my money is. 
This is unacceptable. They need to be able to find that check and respond in a courteous and professional manner. They are unwilling to call me in a proactive process and instructed me to just follow up in 72 hours for an update. 

NOT GOOD!
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX  ACCT # XXXX, and have no knowledge of this account. Under Section 604 15 US Code 1681 B, it states you DO NOT have the right to report anything on my credit report. Under Section 605 A 15 US Code 1681 C-1, it states that with no consent, that equals identity theft. Please DELETE this account as soon as possible as it goes against my FCRA rights, as its showing a violation of HIPPA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to Transunion on XX/XX/2022 regarding some inaccuracies I found on my credit report with the following accounts. I have not received anything from them and would like the following accounts removed as it is hurting my credit score significantly XXXX XXXXXXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Below is the letter I have sent them along with proof of ID and residency
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

This complaint is about FedLoan Servicing. I am a loan borrower who has been paying on my loans since XX/XX/XXXX. I switched to FedLoan in XX/XX/XXXX from a different servicer due to enrolling in the Public Service Loan Forgiveness Program. Since that time, I have diligently filled out employment certifications and have had all my paperwork up to date. Despite this, my payment counts for the payments made under the previous servicer ( XXXX ) have not been corrected in the FedLoan system for the last 3 years. I have called FedLoan with this issue numerous times and each time have been told " those payments just haven't transferred/been processed yet, '' however they are still wildly incorrect now despite more than 3 years passing since switching to FedLoan. To give an example, my most recently disbursed loan from XXXX has a payment count of 68 qualifying payments, while the oldest loan from XXXX has a payment count of only 50 payments. This is not correct, as each payment I have made since XX/XX/XXXX has been made on all of my disbursed loans together, and the loans were never split up as far as order of payment.
Product: Credit card or prepaid card

Hello, I Have been a cardholder with Macy 's since XXXX and have always maintained a great relationship with them. I recently was informed that my account was shutdown XX/XX/XXXX for no apparent reason. I called to ask about my account status they told me I had XXXX balance and it was closed. Shortly after the phone call they sent me an email stating the closed account. This has affected my credit history and put me in a position where I can't get a house due to lack of history. They never gave me a notice what so ever.
Product: Payday loan, title loan, personal loan, or advance loan

My husband had a loan, my name not on it. My husband passed away. I was forced to put this loan into my name. I received an invoice with my husbands name on it with his account number on it. It was due XX/XX/XXXX, for XXXX. I paid the amount on XX/XX/XXXX. It went to my husbands account and not mine. I received my account number by texting them on the XXXX of XXXX. I am now being harassed by the company stating my payment is in default. All payments to my husbands account should have been added to my account since the loan is for the same address. I also requested a payoff amount, with no response.
Product: Student loan

I were not inform of any payment arrangements, nor did I received any letter of changes to my account. When in accutuality my loan was on forbearance and not.it in on the income driven program. 

So no the reason why late payments is on my credit report, I gave no idea? I Never had to make any type of payments since I was approve back in XX/XX/2006 until now. So maybe it was a mis hap on there part. But I never agree or sign any form make payment with this company.
Product: Credit reporting or other personal consumer reports

I requested to have the non-mailable address ID # XXXX to removed. 

I requested to have inquiries that I do not have active accounts.
Product: Vehicle loan or lease

I had purchased a auto from at the time a company called go financial I took possession of the car XX/XX/XXXX the car was repossessed on may XXXX. These company during the process was very deceptive with the terms i have been disputing this auto with Go financial since XXXX they refuse to remove the item from my consumer reports which is illegal. If you check my reports now they have my car being taken repossessed in XX/XX/XXXX, but XX/XX/XXXX the company list the car as charge off. They never shared any information with my after car was sent to be sold. The company now is bridgecrest. This company is violating many of my rights as a consumer, and has stopped me from being able to have a fair consumer report. Before the repo i had a deferment with company, and still was repossessed the abusive practices that were used during the duration of our consumer credit transaction are illegal to share my information with other consumer reporting agencies is in infringement of my privacy. I am so upset as a consumer to know that these practices actually take place everyday with hard working consumers i demand that this company takes action immediately and remove this auto from report. I am the original creditor that extended the credit to this corporation to make this process possible there are many federal laws that i was use to make sure that justice is served pursuant to 15 usc 1681a ( 2 ) ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device " should be excluded from all consumer reports. My Credit card as a consumer is my social security number that i used to make this transaction. I demand that this company remove this account from my account, and compensate me for the violations. for violating my privacy, and most important for the unethical practices.
Product: Student loan

For a few years I have been on an income repayment plan with FedLoan. The monthly payment was {$330.00} for a few years. Today I received a phone call from FedLoan saying that my loan is in default, yet I have not missed a payment in the last few years. I am told that my repayment plan was not renewed in XX/XX/XXXX and the payments I have been making each month for the last year have only been partial payments. I had assumed everything was okay. I spoke with them in XXXX of last year to clear things up and I was told it would be okay and continue making payments. Now they are saying that I am more than $ XXXX in back payments ( again making payments each month ) and that it is affecting my credit history. I thought my credit history was okay but I did not know that I was in this type of trouble. Not only that but my payments for the last year do not count toward my repayment in 10 year plan. What can I do? My father was in the XXXX XXXX but has since died in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX my identity has been stolen from me and used against my rights. Someone has been opening fraudulent accounts in my name. I am inquiring that these accounts can be erased completed from my report but better yet investigate so it doesn't reappear again.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Experian inaccurately reporting credit inquiries on my credit file that do not belong to me. Specifically, the following unauthorized inquiries are listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) These inquiries are not associated with any credit application or account activity initiated by me. Their inclusion is negatively impacting my credit profile and could harm my financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and integrity of the information they report ( 15 U.S.C. 1681i ). The presence of these incorrect inquiries violates this law and is causing me undue harm. 

I request that these unauthorized inquiries be investigated and promptly removed from my credit report. Please provide confirmation once the corrections have been made and advise on any further steps required on my part. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I received an email from XXXX XXXX stating that my credit score went down XXXX points because of a late payment to XXXX XXXX XXXX. I have never had a late payment on my credit. I called XXXX XXXX and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through Fifth Third Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called Fifth Third Bank and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days. 

I called Loan Care and I told the representative that I had not received any communication from XXXX XXXX about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia. 

The research done by Fifth Third it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by Fifth Third that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to XXXX XXXX and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault. 

I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out. 

Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much! 

Sincerely XXXX XXXX