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

THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USE MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA & # XXXX ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

This company is reporting on my credit report as a hard inquiry which is giving me a hardship which is stopping me and slowing me up from reaching certain goal. I've spoken with them to try to fix this problem and haven't gotten any solution. this company has stolen my identity. I know under 15 U.S. Code 1681 c-2 Block of information resulting from identity theft its against the law to use someone identity without there permission. I was mislead by a third party company they work with which I was told they don't do hard pull on our credit but it did so under 1006.18 false, deceptive, or misleading representations or means. these two laws was used against me and many others
Product: Student loan

Ever since UAS Connect has switched over from previously being UAS echo I have had issues with my payments being processed. I have tried the autopay option with them and even though they withdraw the payment on their requested date, the payment doesn't " process '' until after the due date, even though payment was submitted and received prior to the due date. When I do this process manually, rather than through autopay, I am left with the same result. Whether submit my payment days in advance or day of, I am still charged a late fee and penalties. Also on XX/XX/XXXX of XXXX  I submitted a request for a reduced payment plan and subsequently filled out all necessary forms and returned them to UAS. To this day they deny receiving that form event though I have the proof of it in my inbox. When I try to resolve these issues I am left on hold with no eventual response. They are stonewalling anybody who tries to get any answers or solve any issues. I have looked online and I am not the only individual having payment issues with this company. I do believe that they have malicious intent and do not stand to serve their customers. Any and all help is very much appreciated! Thank you.
Product: Credit reporting

i have XXXX inquiries on credit report some from XXXX more than once a day. I have sent letters to Equifax letting the know they are not mines but remain on report. please have them moved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date XX/XX/24 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate phone numbers : ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX XXXX
Product: Student loan

I am in the process of buying a home. They require student loan statements to show my monthly payment, but because of COVID forbearance I do not have a monthly payment or statements since XX/XX/XXXX, and the bank wanted something current. On XX/XX/XXXX, I submitted an IDR  request for the primary purpose of receiving a letter from FedLoans telling me what my monthly payment would be on XX/XX/XXXX. I also assumed, reasonably I believe, that I needed to recertify before payments began again. I was trying to do my due diligence and get the paperwork my bank required. 

A week later on XX/XX/XXXX I called Fedloans and explained I needed documentation urgently. On XX/XX/XXXX they sent me a letter explaining that my monthly payment was and would remain at {$400.00} through XX/XX/XXXX, and I provided this documentation to my bank- it is upon this information that they approved my mortgage application. It was not clear from this letter whether or not Fedloans was still processing the IDR request, and so on XXXX I called and asked to cancel that request. I explained to the call rep that I did not know until receiving the XX/XX/XXXX letter that I was not required to recertify until XX/XX/XXXX. The representative told me it's true that I was not required to recertify and that fedloans would be in touch with me about my cancelation request. 

Not only did I not hear from them about the cancelation request, but on XXXX  XX/XX/XXXX, I received a notification that the IDR request was approved and that my monthly payment would be increasing by {$160.00}. This is the opposite of what fedloans told me via mail on XX/XX/XXXX, and on the phone on XXXX, and differs significantly from what I told the bank. There are borrowers out there like me whose monthly payments will not change until next summer because they understood they did not have to recertify in the normal course of things- why should I have to pay more while those borrowers continue to pay based on what their payment was pre-forbearance? Why should I have to pay more when fedloans represented to me even after the recertification request was made that my monthly payment would remain at XXXX XXXXXXXX/month until next XXXX? Why should I have to pay more when I did not understand I was not required to recertify until XXXX of XXXX? Why didn't fedloans process or respond at all to my cancelation request? I need fedloans to revert my monthly payment back to what it was pre-pandemic.
Product: Mortgage

I filed bankruptcy back in 2010 and it has been discharged for a few years now. I let my home go and Bank of America was he lender on this. I continue to get letters from them and statements after I have asked repeatedly for them to stop sending me these. I also asked them not to call me and they call me every once in awhile. The home started to go into the forclosure process. I recently got a letter about an application being submitted in my name and I did not submit any application. Bank of America is continuing to harass me and will not stop. They completely disregarded my cease and desist letter as well after they acknowleged they recieved it. I need to stop is is causing me health issues. I am not sleeping well and I ma have constant panic attacks. Please do something to make this stop. Property Address is XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX
Product: Payday loan, title loan, or personal loan

The company sent a check in the mail to my home for around XXXX dollars. Easy monthly payments. But the interest was put on upfront. It was very confusing to me, balance now is over XXXX dollars. I suffered a XXXX so not able to work, self employed. I got in contact with a debt relief firm, But no final decisions at this time. I have been called numerous times a day from personal finance co. Even after telling them I was in debt relief and giving them the info. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please I need help .... there is a DISMISSED BANKRUPTCY in the PUBLIC RECORDS section of my credit report that did NOT happen. I filed for bankruptcy in 2016 but changed my mind and worked everything out with my creditors BEFORE it went to court, so there is nothing to dismiss. I paid all my bills by myself without the help of the bankruptcy court but I'm being punished. I worked hard to do the right thing and this is not right, it's effecting my ability to get a good mortgage rate. I have filed a dispute with all 3 credit bureaus multiple times and get the same " verified '' response everytime. I know they didn't verify it though US BANKRUPTCY COURT where I live because they don't report to the credit bureaus and if they did they would of been told that I withdraw before the case went to court. XXXX, TransUnion, & XXXX are tarnishing my credit and I respectfully ask that this be removed from my credit report as per the fair credit reporting act. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both TransUnion and XXXX about the student loan information that is incorrect with documentations and they have refused to correct the problem. 
They dont even have my correct Name right!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am writing this regarding an old case " XXXX ''. Discover didn't solve my issue. They asked me provide additional information about the case. In the mean time i have talked one of the executive from discover. he said in the additional information its needed to show that i was not present at the home deport while those charges were made. When all those charges happened on my account i was working each and everyday. Down below i will attached my time sheet from my work. My time sheet shows i was working those moments. I don`t know what other way i can prove that i was not present there.
Product: Student loan

I am part of the XXXX XXXX XXXX XXXX XXXX XXXX. They will not remove my loans and neither has the department of education
Product: Debt collection

Subject : Dispute Regarding Inaccurate Debt Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect. The account is listed twice once under XXXX and another under debt collectors name as well. 

It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness. 

I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency. 

Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being.

I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated 30-day period, informing me of the actions taken to address this matter.

Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX You are in Direct violation of the fair edit reporting act ( ) has violated several of my rights. 
15 u.s.c 1681 A. section 602 clearly states that i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

15 u.s.c 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to the Consumer Financial Protection Bureau regarding XXXX, XXXX, and Experian, all of which are reporting false and misleading information, each different from the others. For starters, they are reporting the wrong name. 

I am constantly receiving credit cards sent to my address with other last names, which stops me from applying because if I apply, they send me cards with a false last name and do not allow me to change it until after I receive the card with the incorrect last name. 

On XXXX, it shows a positive account with XXXX XXXX, but with EXPERIAN, they are reporting it as XXXX I have not missed a payment. Also, XXXX is reporting it as negative as well. I have sent XXXX rounds of letters to them, and nothing has changed, nor have they explained why there is this mismatched information. I want all three reporting agencies to report the positive account that XXXX has been reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Next, XXXX XXXX, is an auto company that is closed and reports negatively on all three credit bureaus, impacting my credit and affecting my chance to get a car loan. I have a XXXX child who needs constant care, and I can not receive a car loan because of this closed account. I have tried to dispute it XXXX times and have not received an explanation as to why they are constantly reporting negativity. I would like the account completely removed from my credit reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Thirdly, XXXX is reporting a medical debt, XXXX, of a debt I have previously disputed and had deleted multiple times. A debt that has been deleted on XXXX and EXPERIAN because of their misinformation. I am asking for that to be deleted from my credit report. 

Again, I am a mother of XXXX with a XXXX child, and this information on my credit report has become detrimental to my credit health and preventing care for my children, especially my XXXX child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXX, Avant, XXXXXXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian on multiple occasion about this account Municipal CR UN # XXXX that I have no knowledge of. They keep telling me its verified when i reach out to the company they told me they can't give me any information and received nothing fROM the experian. They received the dispute from XXXX which they were able to have them delete it. How is it the same account same company one was able to not verify the info and remove it but Experian is coming back verified that is because their computer is doing the work and noone is looking into my issue. 
i HAVE NEVER RESIDE AT XXXX XXXX XXXX, XXXX NY THIS WAS JUST ADDED BECAUSE I RECEIVED AN ALERT AND I TRIED DISPUTIONG IT NOTHING HAPPENED. MY CURRENT ADDRESS AND HAS BEEN IN XXXX XXXX FOR OVER 3 YEARS NOW. 
XXXX XXXX ACCOUNT XXXX THE SAY I HAVE BEEN LATE I CONTACTED XXXX THEY SAID THAT WAS SUPPOSED TO BE UPDATED BECAUSE I HAVE NEVER BEEN LATE. EXPERIAN IS NOT UPDATING ANYTHING THEY ARE JUST SENDING LETTERS BACK AT VERIFIED. THIS IS STOPPING ME FROM GETTING APPROVED FOR A HOME BECAUSE OF THEOR LACK OF INVESTIGATION. IT'S VERY UPSETTING,.
Product: Credit card or prepaid card

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. 
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.
Product: Credit reporting

Under the terms of a time share contract with XXXX XXXX XXXX, XXXX XXXX XXXX, a XXXX time share company, my husband, XXXX XXXX, and I with the help of our attorney exercised our rights under the contract, cancelled it and returned ownership of the time share to the company. A USA time share company which books and exchanges time share units. Without permission or any right, XXXX billed us for services relating to the time share unit which we no longer own. We disputed directly with that company and its debt collecting agent, XXXX XXXX XXXX , XXXX of XXXX, NC that no monies were owed. However, XXXX XXXX XXXX reported XXXX different debts on our credit reports as if these were our obligations. XX/XX/2015, we disputed with the CRA 's and XXXX and XXXX deleted these accounts. However, Transunion continues to wrongfully report these obligations. Many people have complained to the XXXX and online that XXXX. is engaging in fraud and a scam and trying through a collection agency, to get money paid when no money is due. Because my computer is not working, I am filing this complaint through my attorney 's computer.
Product: Checking or savings account

The consumer reporting agency Chexsystems did not provide me with my written consent for them to furnish my consumer reporting information, or evidence that I requested to open accounts which have unauthorized inquiries on them on my Chexsystems consumer report that third-parties have accessed to without my explicit written permission for permissible purposes or evidence that I have ever given them such permission. 

Please immediately remove the information from my consumer report with Chexsystems.
Product: Debt collection

Failer to provide proper validation, FDCPA requires verification of the validity of an alleged debt, not verification of your name and amount of an alleged debt. Proper validation should be in the form of documentation from the original creditor, not the debt collector
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/year> to see why my newly created account was inaccessible despite requesting it being reset by both text and email. I wanted to place a credit freeze on my Experian account to prevent fraud since the nations social security numbers were all breached last week. The agent was very unhelpful, arrogant and rude. He said because I was XXXX without any credit and history, he was unable to give me access to my Experian account. In addition, he said he could put a freeze on the account so fraud couldnt happen which I agreed to but then he said the physical address I have lived at for 4 years was not correct. To which I said how can I have no credit file or history but an incorrect address is listed. The agent then said the only way anything to unlock the general Experian account, as well as put a credit freeze on it since I am only XXXX, I would have to send original birth certificate, passport, proof of address like a bank statement to Experian and then they could help me. This is a fraud accident waiting to happen if this information is sent in and no guarantee I would get it back. This is absolutely ludicrous! XXXX are very prone to getting their identity stolen for years and when they finally turn XXXX XXXX XXXX, if nothing has been stolen, it is nearly impossible to freeze credit without compromising their identity! Experian needs to be able to verify the person requesting an account and wanting a freeze like XXXX does. XXXX has the person call in, while the client is on the phone, they send a verification link in real time, the client then uploads a valid ID like passport/drivers licenses and then they ask for a selfie, all through a real time link to prevent fraud. Once this is instantaneously received, the credit bureau is able to verify identity and allow the client to establish their account and freeze there credit. Experian holds so much power for themselves and not the consumers! This has to be fixed. I will be contacting my congressman!