23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Alliance One is trying to collect a debt that is over 16 years through a garnishment in court. They have never contacted me not once about this old debt, however, they are trying to garnish me for a debt that is past the statute of limitations in the state of WA per XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/22 I got a bill from a credit card named Indigo. It was for the application fee and {$6.00} interest. The statement said card number ends in XXXX. Total fee is {$130.00} XXXX call the number on the bill, and they kept demanding I give them my SSN. They had some of my information but some of the information did not match. I never applied for this card, and I have never received this card. I ask them to closed this account and erase the fees. They said I would have to talk to a Supervisor, and none were available. They refused to take care of this. 
Genesis FC Card XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Student loan

I have student loans with XXXX, XXXX, and ACS. With XXXX and XXXX, I file paperwork once a year to enroll in income-based repayment ( IBR ), and my enrollment is good for one year. This is how IBR is supposed to work : yearly enrollment. However, with ACS, I have repeatedly had to enroll in IBR multiple times per year. Every year for several years now, I have enrolled in IBR with ACS, only to be knocked out of IBR, and then I again must submit paperwork to ACS to re-enroll in IBR. This is time consuming and results in being placed in the standard repayment plan, which means that until I again enroll in IBR I risk defaulting on my loan if I do not make full payments. Plus, as far as I know, ACS only accepts IBR enrollment through mail or fax and can take several weeks to process the paperwork, whereas XXXX and XXXX accept enrollment in IBR online and through e-mail and process documents much faster. I am tired of dealing with enrolling in IBR with ACS multiple times per year every year. This practice should not be allowed and increases the likelihood that loan holders will default on their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me its fraudulent account that I have not opened its being reported to transunion under a social security number does not belongs to me from midland credit management Inc Beginning or ending with XXXX in which I have spoken with transunion and midland credit management Inc and neither one of these companies have not corrected this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Waiting for the credit bureau response to clear these false accounts on my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX credit reporting twice to remove the balance of {$600.00} being reported by XXXX XXXX XXXX on my credit report. I have ask for an investigation and all documentation from XXXX XXXX and XXXX XXXX XXXX. I was sent a notice from XXXX XXXX that the investigation was complete and the debt is mine. I have not received any detailed documents from XXXX XXXX about this debt. XXXX XXXX is fraudulently reporting this balance of {$600.00} on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reaching out again that this is my FOURTH WRITTEN REQUEST, despite my three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Please see the Attachment.
Product: Credit reporting or other personal consumer reports

this account is 7 years old and should be deleted off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided inadequate protection of my personal data including social security number, name, address, and birthday. As a result, this information was stolen. Equifax delayed notifying me in writing ( still has n't ). Their incompetence has greatly increased my risk of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly ( 60 ) days late with a balance due on the XXXX & XXXX XXXX partial account number XXXX. ( Please see pages 15 and 16 of the attached credit report. ) This account is paid timely and has never been late. I contacted XXXX & XXXX XXXX for an accounting of payments and they could not provide any documentation to me to prove there were ever any late payments. This incorrect reporting is harming my credit score and these late payments need to be deleted from my credit report.
Product: Vehicle loan or lease

In XX/XX/XXXX I financed new XXXX through XXXX XXXX Chase Bank ; As always on recurring charges I institute automatic payments to be deducted from checking account ; As XX/XX/XXXX arrived, I expected my title to be sent as every payment except the last payment was deducted from my acct.. Instead, In XX/XX/XXXX I received a letter from Chase advising that I was late in my payment and they had charged me a {$9.00} late payment fee. I called their number & explained that this was their error as I was auto-pay for the loan. The lady said she understood & woud take care of it, including the late fee & it would not go on my record as being late ; a few weeks late in checking my XXXX I found that my score had dropped to XXXXfrom over 850.I called Chase back & spoke to a man with my complaint ; he said that Chase could do nothing about it, although the prior agent told me that it would be taken care of.In 30 years I have not been late on a payment. I have always had a XXXX at XXXX or above. I am quite upset about this.In checking, XXXX XXXX has gone up to XXXX.My acct. # for this loan : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refuses to take any responsibility for incorrect information reported to the credit bureau. In the meantime, my credit has been ruined because it incorrectly reflects 90-day delinquency. I have been unable to refinance my mortgage as a result and have been denied credit. This has created a financial hardship for me. I have been given no timetable as to when this problem will be fixed and have asked for compensation from the company for my troubles and refused. This has become a very frustrating process and I understand that is has happened to several other borrowers.
Product: Payday loan, title loan, or personal loan

This company keeps showing up on credit report. I have no knowledge of this creditor, I need help, its obvious its a fraud account. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported non payment to my car note and i dont have the car anymore because its was total lost, and i made a payment to the bank but because they didnt receive the check on time they hit me with delinquent payments
Product: Student loan

Occurred in XX/XX/2017. Instructed that in order to participate in XXXX Public Service Loan Forgiveness, I had to consolidate my loans. Discussed with XXXX XXXX whom verified this to be true. Consolidated loan per their recommendation. Discovered that not only was that not true, but also all the payments I had made to that point no longer counted and could not be retrospectively added back on. Discussed at length with XXXX. They reported what the give is only advice and they cant be held liable for the outcomes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries and incorrect information has been diligently neglected by TransUnion. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries and incorrect information that are still reporting on my account : Inquiries : XXXX XXXX XXXX Date of XXXX XXXX Date of XXXX XXXX XXXX  Date of XXXX NAME : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Date Updated : XX/XX/2009 XXXX XXXX XXXX Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone to a car dealership before they remake my credit they got my credit report and noticed that there were multiple inquiries that I knew I never made and I have called equal facts and they told me to make a complaint about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are XXXX XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to challenge the reporting and compliance on accounts with XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, and XXXX XXXXXXXX XXXX that are being reported on my credit report with incorrect/missing information. 

More specifically, I am referencing the fact that Equifax is reporting incorrect account numbers, incorrect high balances, incorrect credit limits, late pay after account was closed, collections account with a limit, inaccurate reporting dates. These are just to name a few, however there are other reporting errors. 

Equifax improper procedures are highly damaging to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

citicard has reported the XXXX bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.
Product: Credit reporting 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 XXXX XXXX XXXX. 

CA Account Services : # 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. 16815-2 ( 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: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer by Chexsystem. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 accounts on my report that do not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME WITHOUT MY CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Bank account or service

Bank Of America. 
There was fraudulent activity on my business checking account, via card number. 
I submited a claim, and after speaking with their customer service, they could not do anything immediately and wanted to sent me paperwork to dispute the charges, within XXXX business days. Unacceptable. I was forced to request a manager who could - in fact - reverse the charges that were processing, and he reassured me that when the charges actually post to the account - there would be AUTOMATIC adjustments applied to take care of the balance. I would not be negative again. 
The next day, the {$850.00} charge posted, and of course, there was no adjustment, PLUS an overdraft fee for this charge. 
I called Bank of America again ( on the XXXX of XXXX - ironically ) and their business checking and claims department were closed, and literally no one - not XXXX person I tried to contact within my XXXX hour phone call ( plus the hours I spent the day prior disputing charges and going to my local branch to get my replacement temp card ) - NO ONE could tell me anything regarding my account, because they did not have access. They could not tell me the person 's name whom I spoke with the day prior, they could not even tell me my balance, let alone what was happening with my account, because they had zero access!!! On the XXXX, Bank of America could not help me. 
This is the second time in XXXX weeks my card information had been compromised. 
I do not allow other persons to use my card, and I am very concerned about the security policies here at this bank, plus - the customer service for its business banking customers. Being overdrawn almost {$900.00} and not being able to speak to anyone about it is extremely disconcerting, and I will be pulling my money from this bank and closing my accounts immediately. I am outraged at the service I received. 
The banking associate at my local branch issued me a temp card - which began with the same XXXX digits as my last replacement - and had the same expiration year. Why would a bank issue cards with matching numbers? Is n't this making it easier for fraud? 
Why was I asked to fill out paperwork regarding charges that were clearly not mine? 
Why was I alerted by my bank about the charges - but charges were made thereafter? 
Why could I not speak to anyone regarding my account, on a holiday? So what? There are n't XXXX people in the world that are working today on behalf of their business consumers? 
As a new business, a situation like this could be crippling. I have thousands of dollars that I need to deposit to continue functioning as a business - but I can not trust my bank and I am forced to switch banks, which will not be an easy change, I can only assume.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Chase credit card company to let them know to update my account status and take off all late payments because late payments are illegal but they said they can not do that but according to the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Equifax to remove the erroneous inquiry that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I sent out my dispute letter along with my CA ID and police report for identity theft to get XXXX XXXX XXXX ( XXXX ) disputed and removed off of my credit report because I have no knowledge of this account On XX/XX/XXXX the account was removed from my Experian and XXXX credit reports and on XX/XX/XXXX the account was added back on. I called Experian and XXXX requested another dispute and they refused to take any action and the account is still on my credit report. Id like this removed immediately because this is not my account and this stain on my credit file hinders my current education and job aspirations as well as identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent LEXISNEXIS a request, requesting my consumer report. As of XX/XX/XXXX, I have not received any document from LEXISNEXIS
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agencyregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021. I went into my credit karma app and it told me I was approved for a credit card for XXXX XXXXXXXX. So I applied. Once I did I was denied some time later. It really did infuriate me. If need be I can send you images of the hard inquiry that was made on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous fico score ( averaged ) XXXXpts My mortgage was refinanced ( freedom mortgage ) in XXXX. I was advised by XXXX XXXX to not make XXXX payment, as it would be refunded anyhow. The loan properly disbursed on XX/XX/2020. 
XXXX XXXX computer system erroniously attached a 30 day late to my credit report. This caused a 149 pt drop on XXXX from XXXX to XXXX. On XXXX a 153 pt drop from XXXX to XXXX, and 82 pt drop from XXXX to XXXX on Experian. All of those drops in scores were excessive to say the least. Fraudulent is more appropriate. I have a clean payment history going 184 months prior, had less than {$1200.00} total revolving debt. 
I filed a dispute with all 3 agencies and XXXX filed a dispute on my behalf as well. This latest report, the agencies raised my score ( XXXX 54 pts, XXXX 116 and experian 51 pts. ) This is unacceptable given my payment history, debt and responsible financial decisions. 
I would like a full investigation as to how one single late payment would drop my scores so far down and how a correction of that late payment to paid on time would not result in restoring my credit to where it was previously. I believe the new scores are reflective of a new debt incurred while the scores were erroniously low, and the same debt incurred at an XXXX score would not result in such a steep drop. 
I do require a confermation of this complaint by email phone or text XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this debt on my account at all. I have never received proper verification of the debt. I only recently discovered this remark on my account when I was trying to better my credit and learn about the system. There is no contact information that gets me to someone that can properly help me with this issue.