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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again : XXXX XXXX XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$9800.00} ; XXXX  XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$5500.00} ; XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$4800.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involved. 
Pursuant to 15 USC 1681b ( 4 ) ( C ) ( 3 ) ; Information regarding inquiries " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' As a Federally protected consumer under title 15 I demand the removal of all inquires on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to provide me with proof that the companies below had a permissible purpose to receive my credit file from TransUnion. 2Nd XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. Therefore, the 2Nd XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion.. This is a violation of the FCRA as well as a detriment to my credit score. I believe that I may have been a victim of the XXXX data breach and am therefore requiring TransUnion to investigate properly. On XX/XX/XXXX, I was also informed by XXXX XXXX that my personal and financial information was included in 4 data breaches dated all the way back to XXXX. A copy of their letter is attached to this complaint. On XX/XX/XXXX, a fraud alert was also placed on my XXXX credit file. I have since then changed my passwords to various accounts. The FCRA states that the only permissible purpose for pulling someone's credit report is either a firm offer of credit, insurance, employment or a court order. The above inquiries are related to none of these permissible purposes. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.
Product: Student loan

I attended XXXX College XXXX and I needed some additional funds to further my education '' I graduated ''. Once I completed my degree I began to hunt for employee in my field like a lost leaf in the big city. I found know work in my field so I began to look at other options, jobs that could help me pay my debt. After almost a year I started to get worried because I had n't heard anything from the bank, so in my mind I felt like I had time still because any creditor/lender is required to send you a notice of when your bill is due and this did n't happen for me. So I reached out to Chase when I found employment and asked if I could make some arrangements and I was told know. So now it 's been two years of going back and forth with them and nothing. I need help with this, any suggestions would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Remove these accounts XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX # XXXX as they were opened fraudulently without a valid written signature of original contract. Therefore validation of debt is not valid and not Liable. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated credit information.
Product: Student loan

Since XX/XX/2024 and when my loan servicer changed to a new account platform I could not login to my account. I also had set up for auto pay for a flat amount of {$250.00} and instead they began to deduct the minimum monthly of {$180.00} making my total withdrawal increase to {$370.00}. Because this total deducted was not what I requested nor could I find a breakdown on how they came up with this amount I tried to email and call with no luck getting through to a human. In fact, my online account on new platform had me going in circles saying I had to create a new account in new platform, which I had already done. I had to change password almost 5 times. This is crazy because now I cant even update my auto deduction amount. I need to change my payment method and I cant do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form 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 BRCLYSBANKDE Account Number : XXXX This is not mine. 

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

3. Identity Theft XXXX  XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

4. Identity Theft XXXX XXXX XXXX- Account Number : Inquiry Date XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft XXXX  XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

6. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

7. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Account Number : Inquiry Date XX/XX/2020 This is not mine. 

9. Identity Theft XXXX XXXX Account Number : Inquiry Date XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I do not recognize these inquiries as mine nor the information being reported as mine. I am aware that they have violated several of my rights! My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX Please see attached documents as well my identification as it contains my full complaint and my request.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I opened an account with XXXX united mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX 90 days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised
Product: Credit reporting or other personal consumer reports

Improper use of my credit report sharing my information with authorization also invalid addresses from the following ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX LVNV funding Llc XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION ON CREDIT REPORT. FTC VIOLATION!!! 

XXXX  XXXX XXXX OPEN XXXX AMT. {$440.00} XXXX  XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$590.00} XXXX XXXX XXXX OPEN XXXX XX/XX/XXXX AMT. {$430.00} THE NAMES : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX
Product: Credit card

XXXX Credit card : received new card, but without receiving statements, nor any other notice of any kind although they had my email address, my phone and other numbers for text messaging purposes, reported myself being late. 1-Upon receiving a phone call on XXXX/XXXX/15 from XXXX about being late, I immediately on the same day made the full payment after reaching agreement that XXXX does not report myself being late and waiving late fees. 2-However XXXX did report to credit buroeus my account being late. 3 -- Subsequently I received on XXXX/XXXX/15 in damaged envelopes the previous XXXX statements which did not have any postmarks but according to USPS were damaged and therefore delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have attempted to obtain a credit card. I am a XXXX year old, educated, responsible adult with a work history since I was XXXX y/o. I have been paying a car loan, on time for the last few years and have been working full-time for 3 years as an XXXX. The only thing I don't have is a credit card. The only derogatory marks on my credit report are the 4 banks that have attempted and declined my application for a credit card. The most recent being, last night, XX/XX/XXXX. 

My attempts to resolve this issue have been exhaustive and to no avail including phone calls, written communications and prior inquiries through CFPB. 

To summarize : Each time I apply for a credit card, my application is declined. Based on the information available to me, the reason is " inability to verify my identity with the credit reporting bureaus ( it seems with XXXX and XXXX   ). In f/u with the credit reporting bureaus they assure me my file has been corrected and send me a complementary credit report that doesn't address the issue/my questions. Since I have no information, I then apply for a credit card and get declined. With this, another hard inquiry is added to my credit file and the process starts over. It is repetitive, frustrating and time consuming. 

On XX/XX/XXXX, after receiving a mail offer and based on XXXX XXXX site recommendations, I applied for credit with Capital One. I then contacted XXXX ( Spoke with XXXX and the Manager, XXXX ). They were not able to verify my identity, therefore, were unable to provide me any information. They instructed me to once again, start the robotic dispute process. 

How do you correct something, when you have no information? Clearly there is a disconnect, and something is not adding up. That said, it is my problem, and my problem to correct, but I can't get any information because my identity can not be verified. My requests/efforts, to speak or work with a single, knowledgeable and enpowered company representative who can actually work to resolve my concerns have unsuccessful. 

At this time, I am frustrated that this process can even be legal. I have worked hard to establish good credit and can not allow this to wrongly impact my credit. 

At this time, I am requesting : 1. A member of management contact me who I can work with from beginning to end to resolve this issue. 
2. Access to and specific information regarding why my identity can't be verified. What is it, that leads to that message? What ever that information is, I want specifics and I want to see it. 
3. I want all hard inquiries removed from my file - since the hard inquiries are related to not being able to verify my identity ( the credit card company says the credit bureau has to remove and the credit bureau says the credit card company has to remove. Here I am put in the middle of this no win situation. Again, a situation which I have no information about and can't correct ). 

Thank you.
Product: Student loan

Loan was taken out in XXXX for XXXX. I paid on the loan untilXXXX until a divorce in my life caused me to file Bankruptcy the Balance was XXXX at that time. I have all the paper work. My husband at that time and I filed the Bankruptcy. My ex husband was in charge of paying the chapter XXXX in the Divorce. My Ex husband Made payments until XXXX leaving a balance of XXXX. He became sick unable to work and he went back to court to rework the Bankruptcy to a Chapter XXXX, leaving a balance of XXXX. My Ex Husband passed away shortly there after. I received A Notice 12 years later, Telling me they could not find me, and I owed XXXX plus. I hired and Attorney I have all the paper work. Unable to get any where with the Salle Mae. Long story short I have been paying on that loan ever since, I had my tax returns taken, my wages garnished, I am still paying. The loan had be sold many times. I have been paying Navient has had the loan I while I ask for loan forgiveness I am on a fixed income and my LOAN IS NOW XXXX DOLLARS, NAVIENT said more less keep paying. Please HELP me this is a Night Mare that wont end. I have been told they will take my SS and XXXX,. Please Help me. I have no cell phone in my name and I must go to the library to reply to any Emails you might send. I check my mail every other day. I have over 200 pages I came mail. I am unable to send that many on line. 
Thank You for your time. PS : The school for this Loan taken out in XXXX, NO LONGER EXIST ( The name wasn't on your list ) It was " XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a message from XXXX saying I was 30 days overdue on a payment on a card that I was unaware of I did not open this account with chase bank I have never had a chase bank account I called Chase bank and canceled the account and let them know that it was not me who open this account the charge was for XXXX dollars and some change it was something for XXXX it was not mine I then called XXXX and requested a fraud prevention as well as it to be removed from my XXXX credit report a lost XXXX points and Ive been trying so hard to bring my credit up I wouldnt open a card and not pay it especially over something so small You can look at my credit history and payment history I would not miss it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the phone number as listed on the credit report via XXXX for XXXX XXXX XXXX After several phone calls that direct consumers to use the same number as listed on the credit report, I finally spoke to two separate agents who verified via my social security number that I did not have a credit card on file. I asked for a supervisor, I asked to be transferred, I even would ask for their names and they would rudely evade my questions and would hang up on me. The DLA on my account was XXXX. The account was paid and closed at store in Nevada on XXXX. 
Here is a copy and paste of what XXXX XXXX XXXX  denies over the phone exists and refuses to remove this information which hinders my ability to open a line of credit or get additional credit elsewhere. Dealing with their phone reps has been wasted time and an aggravation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : ( XXXX ) XXXX Date of Last Paymnt Scheduled Paymnt Amount Actual Paymnt Amount Amount Past Due Balance Amount Items As of Date Reported XXXX XXXX XXXX/XXXX/XXXX Date Closed Terms Duration Terms Frequency {$200.00} Credit Limit {$230.00} Date Opened High Credit {$0.00} XXXX XXXX Balloon Pay Amount Deferred Pay Start Date Balloon Pay Date Charge Off Amount Date XXXX 1st Rptd Date of Last Activity Activity Designator Creditor Classification 24 Paid and Closed Months Revd XXXX/XXXX/XXXX Date of 1st Delinquency Account Number Status Pays As Agreed ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Account Closed by Consumer ; Closed or Paid Account/XXXX Balance ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421.

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by XXXX XXXX XXXX  XXXX. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our XXXX reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does XXXX see fit to keep this illegal record on our credit reports? 

Additionally, Rent Recovery Solutions claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to Rent Recovery Solutions and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by Rent Recovery Solutions. They have failed, at every step of the way. They list the wrong residence company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with XXXX, XXXX, and XXXX. It only remains on our XXXX account, as it was " verified '' by Rent Recovery Solutions. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX XXXX and Rent Recovery Solutions for proof of debt.
Product: Debt collection

On XXXX/XXXX/15 I made a settlement agreement in the amount of {$3300.00} with XXXX XXXX XXXX XXXX. I agreed to pay this debt once the settlement agreement was received in writing. I did not receive the settlement agreement until XXXX/XXXX/15 and on that same day i mailed a personal bank check in the amount of {$3300.00}. via certified XXXX mail. Later on in the afternoon of XXXX/XXXX/15, I went to the ATM to withdraw money and it was then i learned that XXXX and XXXX XXXX had placed a levy on my bank account and despite our settlement agreement 3 days prior. I also learned that after my account was levied they illegally withdraw {$1300.00} from my bank account knowing the settlement check in the amount of {$3300.00} was on route to them. Since this time, I have also received notice from my employer that XXXX and XXXX XXXX served them with garnishment papers. Prior to the settlement agreement, my debt with selip and stylianou LLP was {$4900.00}. If you add the {$1300.00} that they withdraw from my bank account + {$3300.00}. settlement check, the total that I paid out was {$4900.00} which is {$1300.00} more than the agreed upon settlement that I have in writing. I am requesting a refund of {$1300.00}
Product: Credit card

I thought I was not signing for a credit card but somehow now I carry a paypal credit card which I really do n't want.
Product: Credit card or prepaid card

I started dispute ( XXXX ) on multiple Transactions in my credit card account starting in XX/XX/2021. Discover said they would look into the disputes and gave me my money back from these transactions. 3 months later they reversed all the disputes and said I owed them. The entire three months they reported balances on my consumer credit report. I told them they committed multiple violations under Title XXXX Chapter XXXX XXXX ( B ) and ( d ) Correction of Billing errors by taking more than XXXX billing cycles to finish the investigation, reporting to my consumer credit report the entire time incorrectly stating I owed a balance when in fact I disputed the transaction thus ruining my consumer credit report and once I brought up that issue they said they are going to close my account if I dont provide my Social Securty Number for authentication purposes. I demand payment of {$6000.00} for all the violations and my account to remain opened because I never gave them permission to attempt or to close my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to XXXX and XXXX advising that the pay status and remark section of my credit reports were incorrect. I received no response from XXXX and XXXX advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX on XXXX trying to have the payment status and remarks corrected and received the response from XXXX that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of XXXX. As you will see in the uploaded docs a copy of the canceled payoff check that XXXX cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy XXXX. 

You will also notice that on XXXXXXXX XXXX mailed me a PIF doc. Also during this time I disputed the the payment status and remark sections of both XXXX and Experian Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of XXXX filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of XXXX and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.