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

Consumer Name : XXXX XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$710.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$640.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the inaccuracy of this account four times and requested documentation from the original creditor. The information remains incorrect and XXXX refuses to provide the requested documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Credit Management on XX/XX/XXXX about a bill for {$180.00}. In that letter it states to dispute or respond in writing by XX/XX/XXXX which I did. I sent a certified letter # XXXX on XX/XX/XXXX and estimated delivery date was XX/XX/XXXX. Today XX/XX/XXXX I get a notification that it has been put on my credit. I called and the rep acknowledged that they received the letter and sent a response on XX/XX/XXXX and I have not received no letter. Not only have I not received the letter but they did not even give it a week before putting it on my credit report. All I wanted from them was to verify this was my debt and I could have paid this in full. They gave me no tie to receive the letter and if I did there was no time to respond. I do not think this was handled correctly and I would really like this reviewed. 
Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was part of the Equifax data breach. I have inaccurate information on my credit report. I would like this incorrect information removed from my credit report.
Product: Debt collection

Kimbell, Tirey, & St. John LLP sent me a notification of the debt I owed after sending a proof of debt letter. I then set up a payment plan because of the large amount of money that is being asked of me. I am a XXXX XXXX  and can not financially make large sum of payments. After my first payment last month, I noticed extra fees being added to the amount that I owed to the original creditors. I really only owe {$6000.00} and I have recently made two payments on that with the little money I do have. They have added over {$500.00} in fees to the large sum of money I am already paying on. They are making it so I will be paying on this bill for years. I am to pay only the money that I owe to the original creditor, so these extra fees need to be eliminated from my bill. They started adding these fees while I was in the process of validating this debt and they also had incorrect information with the first letters they sent me. They threatened to put a mark on my young credit report and did not send a letter to the other person who this debt was mainly under. What they are doing is unethical and they have been since the beginning of my interaction with them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account 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 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 looked at my XXXX credit report on XX/XX/scrub>XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I had a few charge offs on my credit report so I settled and agreed to pay in full settlement amount. After the the agency took my money they never reported it as settled for less then full amount and paid. They only deducted what I owed. I called over and over again .sent many letters and disputed with equifax .XXXX and XXXX. They havent updated as settled and paid, still shows remains balance
Product: Checking or savings account

I had a charge come out XX/XX/2023 in the amount of XXXX, i immediately reported it it was from ad that popped up on my social advertising a machine, so i paid for it once i paid for it i realized it was day trading crypto, i immediately cancelled it on the merchant end they refuse to give me my money back yes i paid for it originally but once i cancelled it i was blocked from the website on the merchant end they wont respond to emails and their is no contact number at all i tried to call its no number to reach them i reported this to my bank as scam my bank closed my account and would not refund me they took my money and i did not get anything. Since than i reported this to the federal trade commission and fraud.gov
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Transunion and XXXX that I am a victim of identity theft
Product: Student loan

Called Nelnet the following dates : XXXX XXXX XXXX XXXX Wait time to speak to a provider is over 3 -4 hours. On XX/XX/XXXX, remained on the phone for over 6 hours, Nelnet sends periodic emails saying " we will update you in 10 days '' but nothing is provided in an email saying what is being updated, what is the progress, and if anything is wrong with the application. For example, there was an issue with my application, I was not informed of this and instead after speaking with two different call center employees, including a manager, was I able to learn that one my my loans was categorized incorrectly. This information should have been communicated to me promptly, not sitting in a cue for 5 weeks. It appears that there is no incentive to help students understand their loan SAVE applications, and instead are incentives to keep the applications pending so the company can make more money off of people who have no income. Since I am kept so in the dark about the process, I have no idea if my application needs to be fixed or needs more information. Instead, Nelnet should be actively updating us on what they need, not waiting until we reach out to them 5 -8 weeks later.
Product: Credit reporting or other personal consumer reports

Tge lvnv funding I know nothing about this acount a dispute was filed with the legal department and the cfpb on this account. And still applied XXXX XXXX XXXX dispute. I want the letter from my XXXX XXXXXXXX Trustee that approved the new debt. Or the letter to incur new debt under federal laws I have to have that letter.
Product: Debt collection

The company I C Systems has reported derogatory information to the credit bureaus. I requested I C Systems to validate the account or remove the item from my credit report and they refused. I spoke to XXXX XXXX XXXX XXXX XXXX ) who refused to provide validation of the debt or prove that the debt belongs to me. This discussion took place on XX/XX/2023
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 Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Mortgage

We have a mortgage that was purchased by Mr Cooper mortgage. We have been paying the same monthly payment and escrow for nearly a year and all of a sudden they increase the monthly payments by over {$600.00} a month. I called to see why and was told that they would not talk to me because the mortgage is under my wife 's name. In reality I am legally involved and have access to the account. I had to complain to they on one of their surveys to get a response. They called and apologized but would still not tell me why there was an increase. They sent material by email that was encrypted and could not be opened. I still do not know why they have increased payments so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Inquires XXXX, The 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to contest the information contained in my credit report. Enclosed are the necessary documents highlighting the disputed items. The following entries are either inaccurate or incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

To substantiate my claim, I have provided copies of my driver 's license, utility bill, and Social Security Number. I urge you to investigate these matters promptly as they are causing financial strain and distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you today because I feel that XXXX, XXXX, and Equifax have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that there are a lot of items being reported improperly. I've been working diligently to get a home and all of these accounts are falsely reported. The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. Please investigate every account and its validity, I need this home and vehicle but these misreported items are solely hindering that.
Product: Student loan

I was late on a payment in 2009, because the bill was sent to my XXXX address. I never missed a payment since that date. Navient avoided getting in touch with me and denied my request to have the old ( greater than 7 years ) blemish removed from my record. They were very hard to work with, changing the requirements to submit a request to review the situation twice during the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXX XXXX A 5 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
Product: Checking or savings account

My son passed away and I have been trying to communicate with CHIME for over a week There is no one available to speak directly to. Each email I receive is from a different " person '', various names. The email instructions are to upload death certificate and my ID which after SEVERAL " links '' sent I was FINALLY able to do. Additional instruction said to also provide address where you want any balance to go to AND it doesn't allow for you to provide! There has been no confirmation email sent so I have no idea IF it's being processed OR in limbo. The phone # associated with CHIMES was just as useless. I'm already dealing with stress and XXXX and at XXXX find this all too frustrating. I'm trying to do my best to put my sons affairs in order.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This entry is incorrect and does not align with the Fair Credit Reporting Act ( FCRA ) guidelines. I request that you investigate this matter and delete the disputed item from my credit file. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX 
Account Number : [ Insert Account Number ] Reason for Dispute : The reporting of this account differs significantly between your report and another bureaus report. Specifically : XXXX : Reports late payments ( 90 and 60 days past due ) and delinquency.

Experian : Indicates only one late payment ( 30 days ) and that the account is paid and closed.

The inconsistencies demonstrate that the information being reported is inaccurate. Under Section 611 of the FCRA, consumers have the right to dispute incomplete or inaccurate information.

Please find enclosed copies of the following documents to assist with your investigation : A copy of my credit report from Experian showing the inaccurate item. 
A copy of my credit report from XXXX with conflicting information. 

I request that you conduct a thorough investigation and provide me with a written confirmation of your findings., I kindly request its deletion from my report. 

Thank you for your time and attention. I look forward to your response within 30 days, as required by the FCRA.
Product: Debt collection

I discharged a loan with Citizens One Bank for my XXXX phone on XX/XX/2017. The bank continues to send collection notices. After a complaint to the CFPB, Citizens One says they never received the upgrade payment from XXXX and that *I*, the customer who paid the loan off, am on the hook for the upgrade payments. 

Or, at least I think that's what Citizen One says. They continue to send debt collection notices for the loan that I paid off. 

XXXX, meanwhile, seems to owe {$260.00} for the upgrade that was never paid to Citizens One. 

No one at XXXX responds. No one at Citizen 's One has returned my call seeking clarification. 

This debt was paid by the consumer. This debt involves two companies -- neither of whom seem to understand what happened, neither of whom are responsive to calls and inquiries. 

I request intervention. I request explanation from XXXX and CITIZENS ONE. I request that the upgrade money be paid to the bank so that this loan in my name can be closed as I met all my payments. 

XXXX is the world 's most valuable publicly traded company. Together with CITIZENS ONE they offer telephone upgrade loans. Mine has been paid off for two years. But, apparently, when these loans get confused there is no company that considers itself responsible for the mistake or responsive to its consumers. 

CITIZENS ONE sent a confusing and non-helpful response to a previous complaint that did NOT GIVE INSTRUCTIONS on how to settle this loan with XXXX an CITIZENS ONE. I have called to complain and written the CFPB to continue the complaint but have received no response at all
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported date is not accurate, the closed date is not accurate and last payment date is inaccurate, Days late are also inaccurate. This is grounds for removal they also violated my rights under 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. 

Also the Credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : OSLA ruined my credit starting on XX/XX/XXXX, when it reported false, in fact entirely manufactured, credit information to my credit reports. When I called and discussed it with them, they initially lied. Full Synopsis : On XX/XX/XXXX, I learned through credit monitoring that OSLA was suddenly reporting open accounts with balances to my reports. In XXXX, my accounts had been transferred by the XXXX department of education to another servicer, XXXX, so this reporting was simply impossible. Nevertheless, OSLA did it, causing my score to drop because both XXXX and OSLA are now reporting the same loans ( thereby doubling the amount of reported debt ). I telephoned and was told by the representative that OSLA did not report this false information. This was an intentional misrepresentation. The OSLA representative lied. So, I wrote an email and provided screen shots from XXXX. 
OSLA replied by email to advise that an update/correction would be processed. Nothing happened, and XXXX advised me to file a dispute, which I did on XX/XX/XXXX. On XX/XX/XXXX, I learned from XXXX that OSLA had " verified '' the information as accurate. So, I again contacted OSLA by telephone and email. I also resubmitted the credit disputes. On XX/XX/XXXX, XXXX advised me that the reports were once again " verified '' and even worse, OSLA had now added a " collection '' status for XX/XX/XXXX. My XXXX XXXX immediately collapsed. In sum, my XXXX XXXX dropped XXXX points. THE ACCCOUNT WAS NEVER IN COLLECTIONS and NEVER LATE. Indeed, a collection status is impossible because the student loan pause was in effect before, during and after XX/XX/XXXX. Nevertheless, this entirely fabricated entry is clearly displaying. I yet again spoke to OSLA, including a XXXX named XXXX, who said OSLA did not do this. Once again, this was an intentionally misrepresentation. A lie. She also referred me to federal loan default, which was totally wrong and a waste of my time... this information is coming from OSLA, the furnisher, not the Department of Education ... why would the XXXX re-direct me to another organization ( initially I thought she was referring me to an internal department ). I again emailed and in response OSLA then ADMITTED that they were in fact furnishing information to credit reporting that is false but that it would take up to 60 days to correct. This is not acceptable. They ruined my credit in XXXX day and other creditors may take adverse action against me because of this false data. All furnishers can also correct knowingly false information through rapid correction ( manual ) processes effective in a few hours. It does not require 60 days. OSLA has acted willfully, or at least with reckless disregard in knowingly reporting false information to the credit bureaus, ruining my credit. There are statutory damages available under FCRA and California law. Since my last contact, OSLA has also stopped responding and provided no further follow-up. Is OSLA also reporting false information on other former borrowers?