23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681.

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have disputed through XXXX, XXXX, XXXX. It comes back accurate for this account through Midland Credit Management. Account # XXXX Amount {$2900.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting Midland Credit Management to provide documentation and or contract with my signature on this debt and they have not responded. I will attach one of the letters I have sent with this complaint. They are reporting this debt as an OPEN account which is not accurate at all. Also the date of first delinquency is older than the date the account was open. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Product: Debt collection

I lived at the Residences of XXXX XXXX for over two-years without any late payment on {$3000.00} rent. I absolutely loved my unit and all of the amenities. The unit became uninhabitable for me and my then XXXX XXXX XXXX Daughter. I have Management/Ownership every opportunity to fix the problem. In the end they provided a de-humidifier and left us to suffer. I informed the Manager that I would be moving because I was not going to wait for my Daughter to get sick. I moved out, had the unit professionally cleaned, and returned the keys. We received a move out statement where they attempted to charge us a lease break fee and relet charges. In Illinois Tenant Remedy for an uninhabitable dwelling unit is lease break. I disputed the charges and requested my day in court. Instead, the Management Company and Owner Representative sent this erroneous debt to Collections. Now I'm faced with the negative impact to my credit.
Product: Debt collection

For the past 3 months i have tried o communicate with AWA Collections in regards to an unknown account they placed on my credit. I have also sent them certified notices which they have received but have failed to respond to me. I was not contacted via phone or in writing about the debt. i discovered it on my credit and i am not sure what it is for or who it belongs too ... .. i just know this is an error- it is not my debt and it was not validated.     AWA Collections Account  Number   XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. someone used my personal information to open accounts in my name without my permission. According to US Section 605B consumer reporting agency shall block reporting of any information of a consumer file that the consumer identifies as identity theft. The following accounts are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} I have reached out to these debt collectors and requested information and provided the with identification and request that the following fraudulently obtained accounts be deleted from my credit file.
Product: Credit reporting or other personal consumer reports

I paid off these 3 accounts I called several times after the account was paid off. I stated it was impacting my credit. I was trying to purchase my first home. They stated they could not do anything l XXXX XXXX/ Ashro paid together confirmation number XXXX paid off on XX/XX/year>XXXX XXXX XXXX XXXX paid off XX/XX/year> Confirmation number XXXX They are still impacting my credit please help.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX and i sold a gentleman from florida XXXX XXXX  for XXXX they used bank of america for a wire transfer because the amount was too large to XXXX  to pay me through my bank of america. I took out XXXX of the money and the rest was placed on hold.. After finding out the person reported the XXXX  and bank of america gave them their money back even though i produced receipts. Left me owing them XXXX and my merchandise was gone.
Product: Vehicle loan or lease

We bought out our lease on XX/XX/year>. 

Kia processed the title transfer on XX/XX/year>. 

We received the title in the mail on XX/XX/year>. On the document it states we should be receiving a sales tax check to pay sales tax when we transfer the title. We have been contacting Kia daily with no progress on getting this check sent out. Each time we call we dont get an answer on when the check will be coming.

This is delaying the transfer of the title unless we double pay for sales tax which Kia will not assist with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off a settlement amount for a past due collection for {$360.00} on XX/XX/2018 to XXXX XXXX XXXX who is collecting on behalf of XXXX XXXX who was the original creditor. Credit Reporting Agencies need to delete this account now that it is paid and XXXX XXXX XXXX can confirm this to be true and they mentioned if they can they would delete my account off reports but that needs to be done by the Credit Reporting Agencies Immediately. 

THIS ACCOUNT IS NOW PAID AND NEEDS TO BE DELETED IMMEDIATELY off of ALL Credit Reports : Experian, XXXX and XXXX
Product: Credit card or prepaid card

Money was removed from my direct express social security card.my XXXX removed XX/XX/XXXX, the deposit arrived XX/XX/XXXX. The total amount removed from my account {$970.00} during the fourth quarter XXXX. I FOUND THE TOTAL STOLEN ONCE INVESTIGATING THE XXXX INCIDENT. For 90 days I requested help. Instead I was stalled, ignored, misdirected, hung up on. No provisional credit was issued. XXXX touted the cards safety. All lies.Certifued letters, faxes, e mails, have all gone unanswered.Direct Express or Comerica claim they can't help.Apparently thousands of others are having the same problem. DIRECT EXPRESS AND COMERICA ARE AGENTS OF THE TREASURY. Ithink they may be directly involved in the fraud.Simply don, t want to refund the losses. I WANT MY {$970.00} RETURNED.They have complete substantiation. PLEASE inform the FBI.and provide visibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file with XXXX XXXX XXXX XXXX showing as charged off. That is not the case. I spoke to XXXX XXXX and they said it's not charged off it's only past due. I have dispute this with the bureaus sevearl times and yet they still report it as charged off. That is not accurate
Product: Student loan

In XX/XX/XXXX we began the process of refinancing my Parent Plus loan from Navient Education Loans to a private loan with Navient. On XX/XX/XXXX, I received a notice that my first payment on my private loan was due on XX/XX/XXXX. I went online to set up automatic payments. I was unable to access the online account My wife mailed a check on XX/XX/XXXX ( check # XXXX XXXX to make sure payment was timely received*. In early XX/XX/XXXX my wife and I also called, and the loan servicer could not find my loan. 
* The check was cashed by Navient on XX/XX/XXXX. When we called to ask about the payment, Navient told us that they could not find it. 
During the following 8 weeks, we called and spoke with numerous individuals on over half a dozen occasions in both the private loan and education loan departments at Navient. 
Several weeks ago, a representative determined that my social security number had been inaccurately transposed within their system when the loan was transferred. They told us that it would take several weeks for it to get resolved, and that there was nothing else we could do, but wait. At that time, we reiterated that because this problem was not caused by us, that we should not be penalized in any way. 
Yesterday, XX/XX/XXXX, I received an e-mail indicating that my loan required my attention. We called, and were told that my loan was in forbearance due to missed payments. 
On XX/XX/XXXX I received notice that my credit score has gone down over XXXX points due to delinquency. 
We have documentation for the majority of conversations, along with a fax that we sent at Navient 's request concerning the matter. 

We have not failed in our efforts to pay this loan. In fact, if it were not for our efforts to understand what was going on with our loan, there is no way of knowing what the status of the loan would be today. Navient has shown gross negligence in handling our loan, and now my credit has been adversly impacted.
Product: Credit reporting or other personal consumer reports

victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than XXXX business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.XXXX  XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$400.00} XXXX XXXX Balance {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The account was not accurately verified. They have not shown a contract with my signature as requested.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX H XXXX FOR ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX STARS MO ( XX/XX/XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ). Here I attach, along with the dispute, my fraud report that I just sent to experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Mortgage

Recently my mortgage was transferred to PHH Mortgage Services who notified me that {$120.00} in late charges. There's been no interruption in my automatic payments and it was transferred from the previous mortgage holder. I would like an explanation to the fees because I don't believe I have missed a payment. PHH insists they have the right to collect the debt from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account number XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts on my credit report. After thoroughly reviewing my credit report, I have identified unauthorized and fraudulent entries that are negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
XXXX XXXX XXXX XXXX XXXX I respectfully request that you conduct a thorough investigation into the reported late payments and take the necessary steps to either remove or correct them on my credit report. I am confident that, upon review, you will find that the reported late payments are inaccurate and do not reflect my payment history accurately. 
I understand that, under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy and integrity of the information on my credit report. The presence of these fraudulent accounts is not only damaging my credit score but is also a violation of my rights as a consumer. 
I kindly request that you provide me with written confirmation once the investigation is complete and the fraudulent accounts have been removed from my credit report. Additionally, please send me an updated copy of my credit report reflecting these changes.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Reporting Dispute Handling by Equifax Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for their handling of my recent credit report dispute. After discovering inaccuracies regarding my XXXX XXXX XXXX XXXXXXXX account payment history on my Equifax credit report, I filed a dispute directly with Equifax on [ Date of Initial Dispute ]. Despite providing clear evidence that the payment statuses for XXXX through XX/XX/year> were reported incorrectly, my dispute has not been resolved satisfactorily. 

Identifying Information : Name : XXXX XXXX Disputed Account Information : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Details of the Issue : The discrepancies relate to incorrect late payment entries listed for the months of XXXX through XX/XX/year>. Despite my providing sufficient documentary evidence such as bank statements and correspondence with the creditor that prove payments were made on time, the inaccuracies remain on my credit report. This issue has caused significant harm, including potential impacts on my ability to obtain credit under favorable terms. 

I requested that Equifax investigate these inaccuracies, correct my credit report, and provide me with a revised copy of my credit report. However, the response from Equifax did not address the inaccuracies as the erroneous information remains on my report. 

Attached are copies of all correspondence with Equifax, proof of timely payments, and any other relevant documents related to this issue. 

I am seeking the XXXX assistance in ensuring that Equifax addresses this matter appropriately and promptly. I request that the CFPB facilitate a correction of my credit report and ensure that Equifax complies with the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your response and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I mailed letters to all three credit bureaus on XX/XX/2024. I listed all the accounts that werent mine. Im still waiting on the credit bureaus to verify the accounts.
Product: Credit reporting

XXXX XXXX - I never applied for any car loans with XXXX and this should be removed - I believe someone must be utilizing my credit info
Product: Credit reporting, credit repair services, or other personal consumer reports

Eye would like to know whos been making payments on Regarding Employees from XXXX XXXX. Department of Education has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the XXXX XXXX Social Security XXXX and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All XXXX XXXX XXXX XXXX With all due respect, This is a big scam because the non affiliated financial institutions which are XXXX, XXXX, and TransUnion are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet XXXX sent an email to XXXX stating congratulations on an 8 month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or congress Member whos a Man and/or Woman?
Product: Debt collection

This is not my debt, it is apparently the debt of a former employee. I should not have received 51 calls on an office phone between XX/XX/22 and XX/XX/22. 
These calls originate from : Capital One ( XXXX ) XXXX and XXXX ( Apparently XXXX XXXX, at Capital One ) This is a community college chemistry lab, and I do not care, AT ALL, that a former employee owes them money.
Product: Debt collection

Companies involved in filing this fraudulent claim against me twice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount of fraudulent claim : XXXX On XX/XX/XXXX and Individual : XXXX XXXX fraudulent used my SSN to obtain cellular Service from XXXX XXXX in XXXX, AL. Her birthday, address and name did not match mine, which leads me to believe that no one asked to see her identification before granting her this fraudulent account. In XXXX I joined XXXX XXXX and noticed a collection had been filed against me by XXXX XXXX XXXX. I was successful in removing this from my bureau at this time. However, they filed the same claim against me again in XX/XX/XXXX through XXXX  XXXX  through XXXX XXXX  XXXX  again i was made aware of this through XXXX XXXX. I am in the process of removing this claim again. So far, I have had to verify where I lived in XXXX, file a police report, and provide them with a copy of my birth certificate and driver 's license. I also had to provide them with my address, an address i have lived at for 34 years. Since providing them with my address they are now sending correspondence to XXXX XXXX, ( the person that used my SSN # to obtain the account placed into collection ) to my address. I did not open the correspondence and placed return to sender no one lives here by this name on the envelope. Surely, there are steps i can take to stop them from continuing to ruin my good name and credit. I am a XXXX XXXX XXXX woman, working as a real estate agent during a pandemic as an essential worker, caring for an XXXX XXXX XXXX mother, while maintaining and running my home. This is beginning to wear on me. I need help. Please advise of my rights and provide me with any information you can to make these people leave me alone. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXXXXXX PORTFOLIO RECOVERY ASSOCIATES  account number # XXXX, XXXX XXXX account number # XXXX & XXXX account number 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
Product: Checking or savings account

I report a company called XXXX as fraud and Chase is not willing to do anything for me and keeps saying that it is out of their jurisdiction when clearly it is. I was scammed and ask for them to get back the money that was taken from us by XXXX and they just brush it off and say handle it elsewhere. I did not know chase would be of such low caliber which would eventually lead me to the CFPB for assistance regarding this case the total amount that was debited and taken was {$9500.00} by XXXX initially starting from XX/XX/2023 I look forward to reaching a solution with you guys because chase is of no avail.
Product: Credit reporting

I have never lived in XXXX XXXX in XXXX, Ky. I have no idea how this address is showing under my name. I would like to know why it appears in addresses. I would like this removed and investigated as to why it appears. Has someone tried to obtain a loan or something in my name.