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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX and also any other XXXX XXXX XXXXXXXX accounts 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: Credit reporting, credit repair services, or other personal consumer reports

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and XXXX be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Product: Debt collection

I do n't remember this credit card to be honest I receive a letter from the XXXX saying notice of garnishment. the collection is from XX/XX/XXXX it 's tooold to be XXXX for and at the same time I got injury on the job I 'm waiting on workers Com. I do n't have any income coming in at the moment. I did n't receive any notice trying to collect before suing me. I was XXXX before my check was being Garnish and I got lay off so I was n't able to continuing paying this in XX/XX/XXXX the company was getting money from my pay check.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETE on my credit file. 
XXXX XXXX XXXX
Product: Checking or savings account

I was scammed by people who were presenting themselves as loan representatives on the internet. It started about the middle of XXXX. They had a web page that appeared to be official. They used the name XXXX XXXX XXXX or XXXX XXXX. One phone number was ( XXXX. The number they used when they called me was ( XXXX ). I filled out a loan application on line and put my Banking information on the form. They contacted me and said they were going to approve me for a loan. They then said they had checked my credit score and it was not where they wanted it to be. They said that they would deposit money into my account and I was suppose to send it back to them. What I did n't know was they had attached a device and was putting money into my account using bogus checks from all over the country, they were doing this at the same time they were dealing with me over the phone. A check for XXXX from XXXX XXXX XXXX was put in. Another check for XXXX from XXXX XXXX and one more from XXXX XXXX for XXXX. The last check which was n't from the same place as the others was from XXXX XXXX for XXXX dollars. I went to my bank TCF bank and told them about this. The assistant manager knew that this was a scan and did not act in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit as I am rebuilding my credit to purchase a home in the near future. Over the past month XX/XX/2019 SageStream LLC who now proclaims to be one of the 3 major credit reporting bureau 's has been shown on my credit reports, conducting a hard inquiry when I have not authorized them moreso ever heard of this company to apply for anything from them. Furthermore as I explained to several representatives at Sagestream is that, XXXX, XXXX, and XXXX  doesn't practice any of these unlawful acts, showing they're a third party creditor who is making continuous hard inquiries without consent, without cause, and more importantly damaging the consumers credit. Last but not least, sagestream was damaging to my reputation, provided false information regarding my real average credit score that ultimately cost me time and money. Sagestream stated publicly my credit score was 206 points lower than what XXXX, XXXX, and XXXX  had reported.
Product: Debt collection

I had taken out credit for future services for company " XXXX XXXX XXXX ''. The company then declared bankruptcy and went under and did not give me the services that I had paid for and was continuing to pay on. The dept was sold to company " XXXX/ATLANTICUS '' and they are currently attempting to recover the money.
Product: Debt collection

In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the mentioned account. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
For the purpose of filing a recorded affidavit and attempting to obtain the information necessary, I spoke to XXXX from The Bureaus collection agency on XX/XX/XXXX and requested itemized charges relating to the time period in question. He said he does not have access to the original information from the creditor. To which I asked, how is it then that the credit bureaus keep reporting that your agency continues to verify the debt? His response was that collection agencies and lenders are only required to verify identity and common and general information. Does n't sound like any verifying is really going on at all? Especially in relation to why I am requesting information. 

Nevertheless, I requested the information. He said he could not oblige me. He was only doing his job but did say he could put a comment in for the record ... and he did. I of course still have received anything as of the time of this comment. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how is that possible if the date open, the date of last active is inaccurate, the account number is inaccurate, and the account balance is not accurate. This is ground 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 or other personal consumer reports

I have a late payment on the XXXX XXXX account that does not correspond to me since said late payment is from XXXX and I arrived in the XXXX in XXXX, therefore I could not have had that account. I would like them to investigate correctly and find a solution to this ASAP
Product: Payday loan, title loan, or personal loan

I ( XXXX XXXX ) signed up for a personal loan with SoFi via a referral link from my husband, XXXX XXXX on XX/XX/21. The loan was funded and eventually paid off. However, SoFi has denied the promotional referral bonus of {$300.00} each to both of us. They state that because I had previously referred him for a personal loan and we both received a referral bonus for that loan, that we are disqualified from the additional referral bonus. I reach out to SoFi repeatedly over the past several months and they eventually decided to deny the bonus. They quoted their referral link terms which state : " You will not receive multiple referral bonuses for the same friend taking out multiple loans or products, nor will your friend receive multiple welcome bonuses for taking out multiple loans or products. '' However, that is not the scenario under which I am requesting the referral bonus. Neither of us has taken out multiple loans. He took out one personal loan in the past, and I took out one personal loan, hence those terms which were used to justify denying the referral are not applicable to our situation. Hence, we should both qualify for the {$300.00} bonus ( for me as a referee and him as a referrer ).
Product: Debt collection

I am deeply disappointed by your failure to address the inaccuracies on my credit report, despite multiple requests and confirmations from XXXX and XXXX XXXX XXXX. Your disregard for the Fair Credit Reporting Act is unacceptable. Rectify these errors immediately, or I will have no choice but to file suit against your company for 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
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesnt belong to me and need to be removed.also the nest as well.XXXX XXXX XXXXXXXX and XXXX. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( XXXX ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX & Transunion ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & Transunion ) Inquiries : XXXX XXXX XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon! 

Several weeks ago on XXXX I attempted to retrieve my annual online credit report from EQUIFAX via the XXXXXXXX XXXX website. On XXXX I sent a dispute in to EQUIFAX via their myequifax website. I spoke with Call center Supervisors, XXXX, XXXX to no avail. On XXXX, As requested I faxed my drivers license and social security card over to their fax line XXXX. I call on XXXX and XXXX and they have not processed it. I can not access my online credit report from either XXXX or MyEquifax.com ...
Product: Checking or savings account

Unauthorized transactions caused my account to be wiped out overnight without any fraud protection from my bank. Bank has denied my claim stating that I authorized or gave someone authorization for the transactions. I was able to pull phone records showing over XXXX incoming and outgoing messages, calls, and pics to an international bank from my device while it was reported stolen. I also found two unauthorized international transactions that were in a pending status with the address of a person in Florida who used my phone number & billing address. I faxed all of this information to my bank to substantiate my claim that this was fraud on my account and I did not authorize these transactions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from the XXXX XXXX XXXX and a survivor of XXXXman trafficking. The unauthorized use of my personal information and the creation of fraudulent accounts have caused severe damage.

Pursuant to Section 605B and Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of the fraudulent accounts, inquiries, addresses, and employer information listed below.

Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), credit reporting agencies ( CRAs ) must block the reporting of fraudulent information upon receiving an identity theft report and a request for blocking. No further documentation is required once the consumer submits this affidavit and the identity theft report.

\FCRA Section 611 ( a ) requires CRAs to conduct a reasonable investigation upon dispute and remove or correct inaccurate or unverifiable information. Under FCRA Section 605 ( c ) ( Debt Bondage Repair Act ), no adverse information related to XXXX XXXX may appear on my credit report.
Product: Credit reporting or other personal consumer reports

I am not associated with the listed creditors and did not initiate this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stating that XXXX, XXXX, XXXX, and Equifax have went against my rights as a consumer by reporting unverifiable and false information on my consumer report, and I am demanding reparations. 

Congress states under FEDERAL LAW that what XXXX, XXXX, Equifax, and XXXX are reporting should not be on my consumer report ; pursuant to XXXX5 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, '' should be excluded from my consumer report. This means anything that was extended or authorized from a credit card should not be on my consumer report. 

Congress states under FEDERAL LAW what a Credit Card is pursuant to 15 USC 1681A ( R ) ( 2 ) " The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' I extended my credit to XXXX through my Social Security Card as my " Credit Card '' which classifies any business I do with them a credit transaction. 

My rights were also violated when these transactions were reported to my consumer report because they failed to follow proper procedures. Congress states in 15 USC 1681b " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : '' Then pursuant to 15 USC 1681b ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I never gave any of the consumer reporting agencies written consent to furnish my credit report. 

I am demanding from XXXX, XXXX, XXXX, and Equifax to not only delete any and everything from my consumer report in regard to XXXX  ; I am also demanding at least {$1000.00} per deletion from EACH company for the pain, trouble, and inconvenience they all have caused me pursuant to 15 USC 1681n. Failure to comply within ( 14 ) days will result in me pursuing litigation and receiving more equity than demanded. 

I have also had a conversation with XXXX  already yesterday XX/XX/2021 and they stated that they will remove all of my information from the consumer reporting agencies. I understand that deletion is admission, and that what they did was in fact incorrect therefore I am demanding my equity in the above statement from every party involved for at least {$1000.00} per deletion sent in the form of checks to the address XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Debt collection

Never received a letter, bill, or phone call from listed original creditor: XXXX    XXXX   XXXX   XXXX   XXXX . Yet this morning  XXXX / XXXX /  XXXX     XXXX   XXXX   alreted me that a new account was placed on my report. I check it out and I have a new deb collection fro m Deville Mgmt.  it states original open date is  XXXX    XXXX  . I never conducted business or have ever heard of  XXXX    XXXX   XXXX    XXXX  in  XXXX    XXXX  . This is a fraudulent company, name, and there is no contact info for this original creditor. furthermore deville mgmt. did n't send correspondence neither, they just reported this on my credit and ruined it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX settlement XX/XX/XXXX. I had 3 loans which met this criteria each one was established during XXXX by XXXX XXXX XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than XXXX consecutive months of delinquent payments prior to XX/XX/XXXX. Per them report to XXXX my last payment was in XX/XX/XXXX on a accounts established in XXXX. and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XX/XX/XXXX. 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With XXXX XXXX still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from XXXX and Experian and all remedies applied per the settlement.
Product: Vehicle loan or lease

I sent Kia a payoff check for the entire amount and they reported me 30 days late twice in XX/XX/XXXX and XX/XX/XXXX. How is that possible? I called Kia and told them and they said they possibly made an error but I would have to dispute it. I am not sure why they couldn't just fix it over the phone. I am in the process of going for a mortgage and this is affecting me. I even attached a screen shot as to how the account is being reported and the date of last payment is different on each credit report which goes to show me that Kia is not doing their job. Even the past due amount is different on each credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent Experian all information according to FTC for identity theft. Including : FTC Identity Theft Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B Also, included is a local police report Experian received in the mail on or about XXXX/XXXX/2017. I have since recieved a report that one item is not being removed from my report because verified a accurate. When someone uses my identity that info would be my info and would be accurate. I refer Experian Fair Credit Reporting Act Section 605B section ( a ).
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that need immediate attention. Specifically, regarding this account : XXXX. 
The company has acknowledged this error and committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of this account after the company recognized the inaccuracies. 
I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this timeframe. XXXX XXXX
Product: Debt collection

After reviewing my credit report, I found several fraudulent accounts listed. These accounts are negatively impacting my creditworthiness, so please remove them from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2022, a final amount of XXXX  was negotiated to pay the account off with Sunrise Credit Service for a collections account owed to XXXX XXXX XXXX XXXX. This amount was negotiated with a credit manager at Sunrise Credit Service through emails which are attached to this complaint. On XX/XX/2022 my husband, XXXX XXXX, spoke to a customer service representative and paid XXXX and arranged for the remaining amount of XXXX to be deducted on XX/XX/2022. The credit XXXX stated in her email that once the final amount was paid the collection would be removed from my credit report. On XX/XX/XXXX, Sunrise Credit didn't deduct the full amount of XXXX, only XXXX. This is their mistake, not ours. 

As required by law, I have tried by good faith to resolve this dispute with the merchant. I have emailed and negotiated a payoff amount, which was paid. I have spoken to customer service representatives at XXXX XXXX XXXX and Sunrise Credit Service to try and resolve this.
Product: Vehicle loan or lease

I sent account, amount, and the company name asking for verification of this debt, to no avail.
Product: Debt collection

This company is attempting to collect on an alleged debt that is timed barred or/is expired. 
Provide legal documentation supporting that I have a legal obligation to do business with you, have done business with you, or that I even owe you. 
I have had no business dealings with you whatever so ever. This debt has expired and legally can not be sued. 
My credit is my reputation, my life and I will do whatever it takes to legally protect it. I will not allow your negligence and faulty collection practices to damage it.
Product: Checking or savings account

In late XXXX, I received a bank statement that showed XXXX XXXX  of dollars in charges. These charges were from Ohio, a state that I have never lived in, nor been to, nor know anyone from. Examples of some charges would be places like XXXX, and XXXX, which I do not use. I work, and reside in North Carolina. There is no chance that the charges could have been me. As soon as I saw charges such as these, I contacted the North Carolina State Employees Credit Union, which I use. They found that the charges added up to {$11000.00}. They started an investigation, and reimbursed me the money, on " credit. '' I have not touched any of the money I have received. On XX/XX/2023 I received two letters in the mail, sent on XX/XX/2023, one stating that the credit may or may not be reversed, and another stating that they had found insufficient evidence to support a viable fraud claim, thus I assume, planning on reversing the credit, and taking the money stolen from me, out of my account, and closing my case.