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

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : 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 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

My information was part of the Equifax Data Breach. The FTC has been sending me updates regarding the settlement process. A few weeks ago I responded to the FTC’s link to choose how I wanted to receive a settlement when the case was finalized. I chose to receive the cash settlement option. Then, last week, XX/XX/XXXX, I received a letter and check from Equifax for XXXX. See copy of the letter and check below. So today, XX/XX/XXXX, I tried to call both the phone number and the email provided in their letter to ask a question about why they sent the check at this particular time and for the amount stated above. Both the phone number and the email are non-working. I then called the FTC about the non-working numbers and the letter I received. I was directed to the Consumer Financial Protection Bureau. I spoke with someone who provided me with contact information for Equifax and also said I could file a complaint I I wanted to.
Product: Credit reporting or other personal consumer reports

The reporting agencies XXXX, XXXX, and Equifax have been posting and reporting my personal accounts without my authorization. In accordance with The Fair Credit Reporting Act these consumer reporting agencies have violated my rights under 15 USC 1681 section 602, which states the right to privacy. Also, 15 USC 1681 section 604a ( 2 ), " Permissible Purpose Of Consumer Reports '' which states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX College # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX/XXXX  # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX  XXXX which looks like its a collection agency for XXXX  or XXXX XXXX XXXX Hospital # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit reporting act ( XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX MY XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting

XXXX XXXX, XXXXRef, # XXXX ( not sure if everyone uses this ref # ) Hi, My name is XXXX, I have a charge off on my credit report with equifax that is Not mine. XXXX XXXX XXXX recently put a charge off from a credit card on my credit history that is Not mine. XXXX XXXX XXXX agreed, that I have no responsibility for this card, never signed for this card, never gave permission for my credit to be associated with this card and that the charge off would be removed from my report immediately! It has n't happen. I cant thank you enough for helping! The charge off and non payment according to XXXX XXXX XXXX started in XX/XX/XXXX and was never associated with my credit, XXXX XXXX XXXX apologized for the inconvenience and would push for immediate removal ... its been 60 days. According to the cards history it was opened and in default in XX/XX/XXXX, I never signed for this, never gave permission for my credit to be used to obtain this card, never associated my credit with this card and all the sudden the charge off appeared on my credit report in XXXX, XXXX this negative credit report has cost me greatly! I had permission to sign on this card, ( for a short time, but never responsible for payment, never gave permission for my credit score to be associated with this, this was fraudulent to have me on this card. XXXX XXXX XXXX agreed, I am not responsible and this should not be on my credit history. What can I do? 

XXXX XXXX XXXX gave me a credit card in XX/XX/XXXX ( bc I had great credit, no charge off on my credit report ... ..but then all the sudden they decide to attach this?? ) Why would they give me a credit card if I had a credit card in my name with a XXXX balance ... bc it was not mine! ) Also, I have disputed another charge from XXXX XXXX XXXX, where I closed a credit card ( went into the Bank ... banker remembers, closed ( so I thought, paid completely off, waited one month to make sure everything was cleared ) Closed then moved. A automatic draft started back up with a company we had used in the past and the put it on a card they had on file ( XXXX XXXX XXXX card ) The card actually didnt close, we never received bill ) Until oneday I received a phone call that XXXX XXXX XXXX received a return to sender, Bill they had been sending out to me for payment. I immediately paid, they sent me a letter, but its still showing on my account as negative. Thank you for helping me with solving these matters, I have spent countless hours working on solving these issues! I have hope and really cant thank you enough, it was freeing just writing this note! 

I am getting Help!!! Thank you so very Must!!!
Product: Credit reporting

I settled an account listed on my credit report with XXXX XXXX Bank. I sent a copy of the settlement letter from the collection agency to Equifax to correct the information however they have failed to do so. Account still showing balance due.
Product: Mortgage

To whom it may concern, XXXX XXXX Account number XXXX There is 1 issue with my Mortgage account that XXXX needs to resolve ASAP, I have been trying to resolve this issue over the phone for the last 15 months and nobody has been able to fix this. 

-There are late fees applied to my account on the following statements ( attached ) : -Statement dated XX/XX/2019 ( late fee {$69.00} ) -Statement dated XX/XX/2019 ( late fee {$69.00} ) As of today those fees have not been removed from my account and that needs to be removed immediately, I have never made a late payment, therefore, you can not charge me any late fees, please remove them ASAP. 
Attached is : -Copy of cleared checks/proof of payment for the months of XX/XX/2019 through XX/XX/2019 ( from XXXX XXXX XXXX ) Please fix this issue ASAP. 
Thanks XXXX XXXX cel. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did reach out to XXXX XXXX several years back However since I started disputing the error with all three credit bureaus now the issue has because worse. I did not open nor request for a XXXX XXXX credit card. My next step is to file a law suit. I made several attempts.XXXX XXXX is being Negligent on this matter. 
It has paid {$180.00} XXXX in fines for unethical sales practices that included opening around XXXX XXXX fake accounts without customer authorization. ... An investigation by the bank 's own board in XXXX blamed top management for creating an " aggressive sales culture '' that led to the phony accounts.XXXX XXXX XXXX
Product: Debt collection

There is a XXXX 's account on my credit file that is inaccurate. It states the credit card was established I my name in XXXX XXXX I just turned XXXX this in not my account. I have requested validation of this credit card and have not received any paperwork with my signature to verify this is my debt, I have reached out the credit agencies on numerous times to have this information removed. I am being told the debt is valid however with no proof. I would like to have this credit card removed from my file XXXX account number XXXX from all three credit companies
Product: Money transfer, virtual currency, or money service

I recently tried to get a refund on my MasterCard but No matter what card I tried to put the refund on it wouldn't go through because the merchant told me that MasterCard and visa companies want to charge for the transaction of the refund itself so because I had a XXXX balance I couldn't get the refund all because there was no money in my account for them to take. Talk about some money grubbing XXXX. That is the most ridiculous thing I have ever heard in my life just so the banks could XXXX people out of more money then they already do when it comes to interest on loans XXXX. The merchants can't give the refunds back to people who have a XXXX  balance on there cards because of this issue and it's not like the bank needs the extra cash that bad to make a rule like this. They make enough money for closing on good people 's homes and property that they buy when the owners can't pay there ridiculous fees in time. If I had it my way I would shut the whole banking system down plus these card companies for doing this XXXX to people. Some people actually have to bust there XXXX making a living while others sit behind a desk and come up with new ways to take there money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a certified letter including issues I was having with unverified accounts I never received a response within 30 days
Product: Credit reporting or other personal consumer reports

XXXX is reporting negative information to my consumer report that is inaccurate and unverified. I need them to provide the method of verification used prior to reporting as well as a verified statement of their permissible purpose to report the accounts disputed, by the individual who is responsible for reporting them.
Product: Student loan

On XX/XX/2022 before my loan was taken over by XXXX, I made a payment of {$24000.00} to Fedloan Servicing. This payment cleared my XXXX checking account on XX/XX/2022 and was not applied to my loan prior to my account being sent to XXXX. I have spoken to Fedloan Servicing on numerous occasions, including their service recovery team ( XXXX ID # XXXX and XXXX ID # XXXX ) and was told numerous times it would take 30 days from XX/XX/XXXX for the payment to clear and be sent to XXXX. My last conversation with XXXX on XX/XX/2022, 60 days since my payment, I was told the payment had cleared already and XXXX should have applied it. XXXX has not received this payment and Fedloan is going out of business come XX/XX/2022 with my nearly $ XXXX magically still missing. This is a lot of money to be in limbo/missing, especially for an XXXX XXXX Military Family and I request you immediately contact Fedloan and XXXX to have my $ XXXX payment refunded to me or added to my XXXX account. I have proof of payment from my checking account ( see XX/XX/XXXX ), the final billing statement from Fedloan on XX/XX/2022, and the most current billing statement from XXXX for XXXX. These documents show what the balance was prior to my payment on XX/XX/XXXX, when my payment was posted on XX/XX/XXXX and the current balance is with XXXX. Please reach out to me via email or phone below to send you any documentation or for additional information. Your help in this matter is greatly appreciated as Fedloan has been very shady during this entire time, XXXX is absolutely no help and doesn't return my calls or messages, and the last thing I want to do is involve a lawyer and my congressional members. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I paid debt off XXXX/XXXX/XXXX after paying in installments to creditors attorney. I contacted creditor and they said I still owed them. I contacted the court and XXXX and they advised to send certified mail stating that debt was paid and I can/will furnish cashed checks to verify it. Court set up hearing, and creditor did not appear but sent a satisfaction of judgement dated XXXX/XXXX/XXXX signed by their attorney 's office. Credit bureaus are still showing that I owe a balance on the account and that they " verified the balance '' with the creditor.
Product: Debt collection

I had a paypal credit account and was paying it every month. While paying it my pay pal account was then changed to a MasterCard account with Synchorny Bank. In doing so they charged off my account. And was told although I want to pay the entire balance off. I was told that it will remain on my credit for seven years. This has infringe my possibilities to refinanced my home for seven years. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX regarding my XXXX vehicle lease not appearing on my credit reports. They told me that they do not report to credit bureaus. I have no idea how that is legal. I then contacted TransUnion, XXXX and XXXX and asked to " self report '' the payment information and I would provide the invoices and proof of payments and they too refused. I am paying a {$2300.00} car lease payment every month and I want this information reported, earning me credit and showing my responsibility to repay large loans. The FCRA requires that furnishers of information as CRA ( credit reporting agencies ) are required to keep accurate information on a consumer report. I want the auto lease from to be reported on all 3 of my credit reports and to reflect the opening date, and the current, on time payments I have made monthly. I am also attaching several of the invoices made available to me via XXXX 's website. I made a payment for this month as well which has not yet been reflected in statements, but can be verified online on XXXX 's account management page. XXXX should also be required to report accurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Account 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a hard inquiry from XXXX that I didn't request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I closed an American Express Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. American Express made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an Amex representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, American Express was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my XXXXredit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.
Product: Credit card or prepaid card

Hello, I had a {$1100.00} upcoming credit card bill due on XX/XX/22. I being a responsible person paid this bill early on XX/XX/22 with payment being made in full. I had automatic bill pay on this account which pays the statement balance on its due date which is the XXXX of every month. Since I made an early payment the statement balance should have been {$0.00} but instead BoA charged my account again for {$1100.00} which my account did not have. On XX/XX/22 BoA alerted me that I had a " returned payment unpaid '' and now indicates I never paid my last months balance even though I did. The system is confused that I made an early pament and then my automatic payment failed and thus indicates no payment was ever made even though the money was taken out of my account. I called and attempted to speak with represenative but after an hour nobody picked up.
Product: Debt collection

Fraud was detected on my credit report. A copy was requested and after through all XXXX credit bureaus ( XXXX Experian and XXXX. It has come to my attention that mistakes under. 

15 USC 1681b permissible purpose, that XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX never contacted me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan Financial Services shows i have account open on my credit report ( see attached ) which is completely wrong and incorrect. This account has been closed for years and years. i just checked my credit report and i noticed this incorrect reporting by Elan Financial, which violates the fair credit reporting act.  furthermore, the remarks are also incorrect and it is also showing i was late 30 days which is not correct. 

I ask the Consumer Financial Protection Bureau ( CFPB ) to address this matter to the fullest extent of the law, plus I will be filing other complaints with the state of Michigan attorney general office and the FCC if this is not addressed and correct immediately. 

these accounts must reflect status as closed, with {$0.00} balance, and not past due, as This is wrong and it must be corrected with all credit bureaus including XXXX, XXXX, and XXXX. 

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

My name is XXXX XXXX XXXX and the inquiry stated below was unknown to me. The inquiry was pulled without my knowledge. Please be advised that I have sent a letter prior to this complaint yo Equifax. However, there was no changes or response from them. Please correct this matter immediately. 

XXXX Date of inquiry XX/XX/2020