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

I have called the reporting agencies and let them know there are so many things wrong with my report like First off the accounts included below are NOT supposed to be visible on my consumer report.

I have recently been denied employment and also denied financial assistance due to these companies reporting accounts without my written consent. This has caused me great hardship and I believe this is against my Federal rights.

This is Aggravated Identity Theft 18 U.S Code 1028A and I demand this be deleted from my report in 5 days.

Under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) these accounts are also in violation of not reporting 100 % accurately.

15 U.S. Code 1681s2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX   XXXX Date of Inquiry :XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX/ XXXX XXXX/ XXXX   Date of Inquiry : XX/XX/XXXX
Product: Student loan

A loan of XXXX was automatically transferred from XXXX to American Education Services. Their first automatic payment was extracted at around XXXX dollars, which is my regular payment when other services held it. Then second month with AES, I receive a letter that they will be pulling XXXX on a XXXX amount with 6.8 %. How does that even add up? Through more than 3 servicers, the amount has been a consistent XXXX something per month. I started doing research on them and it appears that I am not the only one to experience this attempt at delaying payments due to hiked amounts in order to cash in on late fees. I am fortunate that I am in a position to just pay it off in one chunk right now so I don't have to deal with them. This way since I am paying it off all at once, they don't even get a chance to try and collect anything extra out of me such as inexplicable extra payments, fees, etc. I feel sorry for the others out there reporting it. Some are trying to bind together for a class action lawsuit. I think this warrants looking into.
Product: Credit reporting

I have a civil action that 's incorrect been removed, a credit card that was not known to me, the collect promised proof send a person who sign card for a plumber? iam not in or everbeen. iave been XXXX with XXXX since 2004 ... to add, I was rong illed and XXXX was paid, yet claimed a bill, contacted they appoligized and we found this bill, that never exsisted ... XXXX ... we closed yearsago our service, returned equipment, as told using track XXXX.. they provided packing and label.. they sent a bill, it was never adjusted and continues, well over statue of limitation to bounce from collectors, with bill that does n't exsist ... never adjusted .. the XXXX cell phone bill ... was disputed to them.,. as the phone was sold broke ... the company that supported it via XXXX, was defuncted and took new capital investors to maked good, but only ater lost of service.. we bought ddition protection thru nh mall XXXX store ... this too.. failed ... we awaited a phone and bill, promised, we received a bill instead will I was in XXXX XXXX in XXXX XXXX XXXX for XXXX knew and promised corrective action ... we got bill saying it was pas due on exac same day to our po box a collector letter calling ... them. they told us to pay then dispute it usually takes months, the admitted at XXXX the notes reflected the matter they dropped ball it feel thru cracks ..., he bill reflects the XXXX charge ..., of 2 year commitment ... and charges ... but now they collector has it, they cant correct it ... the collector confirmed the dispute saying they could n't repair it ... only XXXX could .... so we were again pay it..they we need to reapply as if fresh ... this would affect and be negative blemish, likely result in denial ... so we awaited XXXX ... on follow up ... and were left unanswered.. frustrated ... with promised ... we found this and are absolutely appauled angry ... .we are trying to buy house with VA loan and these are creating XXXX issue ... we already due to XXXX from Service caused us hardship, and suffered financial worst, trying to rebuild ... we do n't mind accountability to our fault ... but these are wrong erroneous and require correction and removal thankyou XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX XXXX To : Transunion XXXX XXXX XXXX XXXX, PA, XXXX Dear Transunion, XXXX writing to formally dispute inaccurate and unverified information that is being reported on my credit file in violation of the Fair Credit Reporting Act. Upon reviewing my credit report, I discovered XXXX Mortgage and XXXX XXXX XXXX with inaccurate information. - Per 15 USC 1681 Transunion is reporting inaccurate information that violates the FCRA. They are in violation of my rights to privacy by reporting non-public personal information without my permission or consent. Per 15 USC 1666B A creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Per 15 USC 1681 S-2 ( B ) failure to provide accurate reporting. If the disputed items can not be verified, therefore I demand the following actions to be taken within 30 days : 1. Remove lates from my credit file. 2. Provide written confirmation of deletion of lates. XXXX. Refrain from reporting unverified information in the future. Failure to comply with these request will leave me choice but to escalate this matter by filing a complaint with the CFPB considering legal actions for damages under the FCRA. I want deletion of all the lates, Please update as NO DATA or Current as each Violation are subjected to {$1000.00} dollars each. 

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

XXXXXXXX XXXX XXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to Experian through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to Experian, claiming it is their problem. Experian tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX  point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXX XXXX XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Product: Checking or savings account

Account was closed for the investigation of fraud, which never occurred. The bank is holding my social security funds. I have repeatedly asked for the funds, they will not give until they finish the investigation which they acknowledge is now clear!
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from US Dept of Ed, account # : XXXX, claiming that I owe {$940.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable accounts that are kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
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 reporting, credit repair services, or other personal consumer reports

I was able too check my cr on a daily basis I signed up for cr monitoring then my cc got declined then Experian flagged my SSN too all credit bureaus all because I stop using there monitoring service now they want me too verify my identity again.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX  XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. On XX/XX/2020, I received an email from XXXX XXXX XXXX please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. Thank you for your time and consideration. Sincerely, -XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX by disputing the account on my credit report for being there over 7 years. They updated the report and said the information was accurate. My Job is with the government and is credit based. XXXX reached out to me for a settlement in the amount of {$1200.00}. I reached out to them on XX/XX/XXXX. The Customer service rep took the final payment of XXXX and indicated this would settle the account. 

Now the account hasnt been updated and remains on my report without payment, and its been over 8 years. 

Please see attached payment for settlement for less the amount owed. Per the letter and words of XXXX I disputed this account on XXXX XXXX for Equifax and they lied about investigating. This account is clearly over 7 years old per FCRA
Product: Credit card or prepaid card

An inquiry was made on my consumer report on XX/XX/2022 from USBancorp. This was a result of identity theft. I have attached a utility bill, W2, and an FTC Identity Theft report.
Product: Debt collection

The car was totaled, and gap insurance was purchased on the car. The balanced was XXXX out. There is no amount due. Account is currently showing up as derogatory and closed.
Product: Checking or savings account

Bank of America opened a savings account in my name without my verification. 
Between the hours of XXXX and XXXX on XXXX I received 3 emails from BofA. 
The first asking for verification of email, which has never been clicked on/verified. 
The second giving me a confirmation number and acknowledging, " We have received your application for the following product ( s ) : Bank of America XXXX XXXX Banking Account '' And the last, " Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX '' I'm well aware of the possibility of outside fraud. Which is why I use a password manager and have a 63 character password for my email, XXXX ( only sms when app is not supported ) and am very aware about online security. 
The issue at large is quite easily, assuming some exceptionally ignorant " bad '' guy who was clever enough to scrape/purchase my ssn # from the " dark '' web was then too incompetent to NOT use my real email address. A large and ridiculous assumption based on the email address being so arbitrary to the account creation process. 
Why would account creation complete without my verification ( first email )? 
Adding a moment of possible coincidence, my brother had had a conversation earlier the SAME day about a small business loan. My name was part of that conversation since I may be purchasing his small business from him. And therefore I would be the one actually applying for the loan. To reinforce, I had had no contact with BofA or account ( s ) previously. Too much coincidence for my taste as well as too easy a mistake for outside fraud. I'm confident the XXXX XXXX, et al., shenanigans are not unique. 
I am currently waiting on the forensics of their investigation, whatever that may be worth. 
Thanks for reading my account ( no pun intended ), have a great day. 
Please find attached 3 .pdfs of the mentioned emails.
Product: Mortgage

PHH provided a IRS 1098 form that is incorrect in multiple respects. The total amount of mortgage interest paid in XXXX is wrong - the company applied XX/XX/XXXX payment to XX/XX/XXXX instead of showing the payment made on the last day of the year. Also, the IRS 1098 form has an incorrect " Origination Date, '' reflecting a date in XXXX when the original date of the mortgage was in XX/XX/XXXX. These errors reflect sloppy accounting practices, and I am worried about how PHH is conducting its business. When I telephoned, the company I was able to speak to a manager who is in XXXX. The erroneous IRS 1098 form has large tax consequences for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this a follow-up complaint to ensure that one erroneous account must be investigated for its misleading report in my credit report. I have already sent a complaint previously and I am including this account again. Please verify this account : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}
Product: Student loan

This complaint isn't about the company per se XXXX XXXX. The complaint I have is that I currently owe approximately 50K in student loans. I have been trying to pay what I can, but am struggling to make those payments in addition to my other obligations. When I went to college, I had to pay full tuition. Now, in NYS they have free tuition options to state schools which is where the vast majority of my student loans came from. I think that it is unfair that I have to pay back the loans that were accrued when I was attending 2 state schools, XXXX XXXX and XXXX XXXX XXXX XXXX College. I realize that when I attended XXXX XXXX College and XXXX University online those would not have been in that category. I just find it unfair and disheartening that I am unable to make any dent whatsoever in the loans and hoped at least the loans accrued while attending a state school could be forgiven. I wrote to the company to try to get contact information for someone I could speak with about it and wrote to some people in the NYS Dept of Education, but have not heard a response. I am just looking for help and assistance and hoped that being a XXXX  XXXX XXXX, maybe I could get some help. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert that someone had made an inquiry into my credit without my permission. Upon further investigation I discovered that someone tried to obtain a credit card in my name. I wrote a letter to Transunion when I discovered this in XXXX, I have not received a response. This hard I quirky to my acct was made on XX/XX/2018, and it was a XXXX card. 

Any assistance you can give me with this matter will be greatly appreciated. Thank you in advance for you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance reports Ive missed 12 or more payments. The payments were deferred due to COVID. An agreement has been made to continue to make payments, im making the payments but on my credit report they are reporting im delinquent.