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

XX/XX/XXXX I had 9 accounts through Nelnet that hit my credit report. Reporting late I had no idea that payments were due because my accounts were in deference status. Usually there is an upcoming date to remind you of payment through email. I did not get reached through email or valid address. I called immediately once I found out and they didnt see that they tried to reach me by email either for a reminder. Instead they went off public records which was incorrect due to me having identity theft in XXXX were someone obtained my information and opened multiple accounts and attached mailing information to a PO Box . Ive contacted Nelnet multiple times to see about getting the late payments removed. Ive even tried to work out payment plan if late payments could be removed. They had no way of contacting me and instead of apologizing for the inconvenience the representative basically said its my problem and it will not be removed. I had no recollection of this being late and it is impacting my credit very negative especially with me being in the process of trying to purchase a home. I can not do anything with 9 accounts showing late and its the same lender very unfair! Especially because they are not offering any type of assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing as late on the reporting. It is incorrect information. 


XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments - Payment History
Product: Checking or savings account

I should have had XXXX payroll deposit made on XXXX  evening XX/XX/year> and niether deposit have been made as of XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing a copy my credit report, I discovered that Credit Systems International Inc has reported a collection on my credit report. I do not have any knowledge of an account with Credit Systems International Inc or any company they may be collecting for. Credit Systems International Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$30.00} and have failed to notify me of the debt or verify if it is accurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I am being billed for a loan that I was rejected because of no Social Security card. Months later I received a statement in the mail owing {$10000.00} under my name XXXX XXXX, XXXX XXXX, XXXX, MI XXXX from College Ave, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Dept # XXXX, XXXX, PA XXXX. Document ID # XXXX. I did not sign a contract for this loan or any loans. 

I called and e-mailed College Ave to send me a copy of the contract to see signature. Which they refused to send. I filed a police report to a policeman from XXXX XXXX at my home XXXX years ago and was told I may have to take College Ave to court. 

This student Loan I later found out was indeed paid to my XXXX XXXX XXXX without my permission or signature. I am XXXX years old and can not afford to pay on this fraudulent account, as a maker or co-maker. She has XXXX parents. Bill them. 

I am XXXX as well with XXXX XXXX XXXX  years and deep in debt. I want to see proof of my signature. Help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions since XX/XX/XXXX, I have followed up with Transunion regarding the letter that XXXX XXXX provided to them regarding a bankruptcy that is on my credit report. 
I have placed called to Transunion and spoke to numerous managers, XXXX, Mrs.XXXX XXXX-regarding this account. All representatives replied that XXXX XXXX validated the information which is not true. 
On XX/XX/XXXX, XXXX XXXX sent Transunion a letter to remove the bankruptcy off of my report as it was invalid and inaccurate. On XX/XX/XXXX, XXXX XXXX also confirmed they on fact remove the bankruptcy off of my credit s well as, removed it off of their files. Transunion was notified via mail from myself as well XXXX, XXXX XXXX and to date, Transunion refuses to validate where they received the information as well as acknowledge the letter from the very source that provided them the information. 
Transunion is violating my Fair Credit Reporting rights. They replied on the phone to me they do not have to send me a letter in writing on how they validate their information. Please see attached letters from XXXX XXXX as ample proof of what I am saying. I am demanding that this reporting agency removes this information and adhere to the Fair Credit Reporting act. 
I thank you in advance for assisting me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries made by these companies were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information 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'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX XXXX XXXX, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXXl {$3200.00} ( 4 ) XXXX {$1.00} XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activities. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX : Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Bank account or service

I signed up for Citibank 's Citigold account via a promotional code ( XXXX ) in XXXX XXXX. The promotion was to to earn XXXX XXXX XXXX AAdvantage miles. I met all the requirements months ago, and yet the miles still have not been deposited into my account. I spoke with and messaged Citibank multiple times over the course of the past few months. Each step along the way, Citibank assured me that the promotion code was good, that I was eligible, confirmed that I had met all the requirements, and that I had met all the requirements in the time required ( i.e. before any deadlines ). NOW, they are refusing to honor the promotion and will not give me the XXXX miles. In addition, I recently received a letter from CItibank telling me the following : I recently received a letter from Citibank stating the following : " Our records indicate that your account was credited {$300.00} on XXXX XXXX, XXXX, for meeting the required terms and conditions for Promotion XXXX. There can only be XXXX promotional offer per customer. Since you have already been awarded a promotional incentive, you do not qualify to receive XXXX XXXX Miles for Promotion XXXX. '' However, I never signed up for promotion XXXX. In addition, I specifically opened a CitiGold checking account using the XXXX promotion code. So, I told Citibank to please go ahead and debit the {$300.00} out of my account, and deposit the XXXX XXXX miles into my XXXX XXXX account instead. However, they are refusing to even do that. They are saying that you have to be " targeted '' for any promotion, even though that is not what they told me previously when I spoke to them several times. Furthermore, I was never " targeted '' for the {$300.00} XXXX promotion, so this goes in direct opposition of what they claim. Finally, I spoke with them MULTIPLE times and they verified that I was eligible and had met all the requirements and that the points would be credited to my account within a few weeks. Now, they are changing their minds.
Product: Credit reporting or other personal consumer reports

These accounts on report by XXXX are the same account listed twice on my report. XXXX account cant be derogatory when the other says paid on time. This is the same dept listed more than once on my credit report with different names. We can not say these acct are 100 % accurate so it is deemed INACCURATE. Please delete this account. 
XXXX Account XXXX XXXX XXXX Acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, 2017 all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.
Product: Money transfers

On XX/XX/2015 at XXXX EDT, I made a Moneygram transfer transaction at the Walmart location at XXXX XXXX XXXX XXXX, XXXX, reference code XXXX, in the sum of {$2000.00} with a fee of {$40.00}, to be delivered to a ex-officer friend in XXXX. Unfortunately, when the XXXX went to collect the money, he was told the money had already been received. I made a formal complaint to Moneygram on XXXX XXXX and i was told it would take upto 90 days for an investigation to be conducted. The complaint number is XXXX. Since then, I have tried several times to check on the status of the investigation, and each time i was either put on hold for several minutes and then disconnected, or told to wait for an email response.On XX/XX/2015, i got a voice message from a XXXX at XXXX XXXX stating that the investigation was still in progress and that they would send me email about the status within 2 weeks. More than 2 weeks went by but i did not receive any email. I followed up with XXXX but got no response and left several messages. I made several other attempts and finally somebody told me that the case was closed and that they had evidence that my friend collected the money. i asked for the documentation proof of the money collection transaction receipt to be mailed to me, but i never received them. In particular, i wanted to know where in XXXX the amount was disbursed, the name of the issuing agent, the receipt of the transaction showing the signature of the person who collected the money, and the form of ID used. I called again and again, many times running into dropped calls, and finally a person I talked to told me that i could only sue them ( Moneygram ) in order to get the information. i sent a final email and a hard copy mail to Moneygram XX/XX/XXXX and I was completely ignored. Moneygram fails to admit the fact that there have fraudsters working for them. There are many of such stories as mine. For several years, I have made several money transfers to this family friend of mine and i trust him well to know that he will never defraud me.
Product: Credit reporting or other personal consumer reports

on experian my name is being reported incorrectly. It is reporting as XXXX XXXX XXXX when it should be XXXX XXXX XXXX or XXXX XXXX XXXX. I also asked that only my correct address be reported on my report but experian is reporting XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX. The only address that I ever lived and is XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I have provided proof of this address and experian has not updated the report instead they sent me a stall letter eventhough I sent the document I will attach below.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly. 
The item in question is a late payment reported by XXXX XXXX XXXX for the account number XXXX The late payment is reported a dated XX/XX/year>, and I firmly believe this is inaccurate for the following reasons : I have always made my payments on time, apparently they have administrative errors Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.
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 FederaXXXX 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 OPM data breach as well as Equifax 's 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, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax dated XX/XX/19 that was signed for on XX/XX/19. The letter was a formal notice of dispute. 

I waited 34 days to verify Equifax violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent another certified letter to Equifax stating that they did not put a notice of dispute on my credit report, along with a copy of my initial dispute letter to Equifax, proof of delivery, credit report dated XX/XX/19, and a credit report dated XX/XX/19 to show that the notice of dispute statement was not reported. 

Equifax has disregarded my proof of the violation of law and refuses to remove this trade-line.
Product: Debt collection

Was stolen by my father which has the same name as me. He stole my identity. He is a bad XXXX XXXX and took advantage of me his name is also XXXX XXXX. But now the problem is I heard that he passed away
Product: Credit card

Earlier this year my bank account was hacked for almost {$90000.00} My Bank account was frozen unitl the issue was resolved. During that time Upstart suspended my account, and reduced my credit line by approximately {$100.00}. 

When my accunt became current Upgrade did not lift the suspension, even though my scores went back up. When I filed a complaint with the CFPB directly lifted the suspension but reduced my credit line by {$900.00}. 

It is ethically wrong and illegal to reduce my credit line due to a complaint. 
I am requesting an investiogtion in this matter and some type of sanction.
Product: Debt collection

My Information was Exposed in a Database Breach that Lease was did online and Now I have all these debts on my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent documentation the Transunion to remove items listed below from my credit report due to them being fraudulent accounts. Transunion claimed the accounts were valid, but after further investigation they are non-valid accounts and should have been removed. 

I sent another dispute letter along with my driver 's license and an FTC Affidavit to Transunion on XX/XX/2022 to have the items removed to no avail. 

In accordance with the Fair Credit Reporting Act, XXXX LT Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

We closed on a XXXX mortgage ( as a refinance ), brokered by Forward Lending, dba Sage Mortgage. The day of our closing, we were informed we needed {$14000.00} cash to close. We contacted XXXX XXXX, our broker at Sage, and pointed out this was based on an old balance due from our original lender. He assured us we would receive a refund of the overpayment, so we moved forward with the closing and issued a check for {$14000.00}. The loan closed on XXXX XXXX ( XXXX XXXX. XXXX ). 

We then received an updated closing disclosure form from XXXX XXXX, the manager of the Loan Processing and Closing Team, reflecting an accurate cash to close figure of {$9800.00}. So far so good. 

On XX/XX/2022, we received a notice from XXXX XXXX that we would be receiving a refund of only {$66.00}. We reached out to XXXX XXXX the same day, who requested the disclosure used to calculate the refund from XXXX, and promised to follow up once it was received. 

Since then, XXXX XXXX and XXXX XXXX have ignored my calls and emails, and we have received no refund whatsoever. We are requesting a refund of {$4700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE XXXX XXXX XXXX XXXX This debt originated in XXXX  but was sent to collections shortly after. 
The Fair Credit Reporting Act says that if in collectionsm, it must show the amount of {$0.00} and the correct date of the debt. CBE is showing an open amount of {$820.00} as of XXXX. 
I have not contacted this Creditor or this collection agency at all since XXXX. They can not show this as of XXXX and should show {$0.00}. This has been 7 years and should also be close to be removed my report. 
CBE XXXX XXXX XXXX XXXX never reached out to me at all to even try to find out anything about this debt that I was told would be written off since I was unemployed and no insurance, They seem to have not recorded this information anywhere. 
I have disputed this at least 3 times with XXXX and all that has happened is XXXX  change the date illegally to XXXX. This is inacurate and false information.
Product: Debt collection

Portfolio Recovery Associate LLC Served to me a Lawsuit XX/XX/XXXX with someone to knocked on my door I tried to negotiate whit the PRA and they have refused PRA have a legal representative XXXX XXXX XXXX that physical address is false ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX ) and the phone number not answer anyone. 
I think they have tried to intimidate me.