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

In XX/XX/XXXX  I requested that 3 collections be investigated and removed from my credit report after requesting the accounts be investigated. I have not heard anything regarding these accounts and they continue to hurt my credit worthiness.The accounts are below. 

XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an authorized account with adverse information on my reports from credit bureaus that I didnt initiate. 
XXXX XXXX  - authorized account- date opened XX/XX/2022
Product: Credit reporting or other personal consumer reports

I'm disputing the following information on the three credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and XXXX  health issues.
Product: Student loan

I requested an exception due to school misconduct for my private loans ; however, I received a letter stating that the loan owner ( XXXX ) is not taking action on my request. 

I am a class member in the XXXX v. XXXX settlement and I attended XXXX XXXX, which is one of the schools identified in the the settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit card or prepaid card

On XX/XX/2021, Goldman Sachs reported an INCORRECT balance of {$4600.00} on my Apple Card to the Credit Reporting Agencies. In addition to having an incorrect balance reported, we were unable to furnish evidence of a zero balance as the monthly statements omit any part of the our account number on the statements which make it difficult for lenders to tie back to any particular account. When I called to correct the issue, Goldman Sachs customer service indicated it would take up to 60 days to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several times on these accounts to be repaired in my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX Balance : {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not view my credit Report, Credit Score or Submit a Dispute from my Transunion account. I have been working with Transunion to address this issue for the past two years. But unfortunately, nothing has materialized thus far. 

I have provided them with all the requested information ( Copies of their Driver 's License and Social Security Card, Letters, calls, etc. ). Yet, every time I speak with a Transunion representative, I get the run-around, and after hours of hold time on the phone with them, nothing gets fixed.
Product: Credit reporting or other personal consumer reports

Bank of America settled the account on XX/XX/year>2024, The credit report information incorrect and needs to be deleted.
Product: Credit card

I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXX XXXX XXXX Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no response.
Product: Student loan

I make auto payments for my student loans, currently with Navient. 
I pay about XXXX dollars a month on autopay ( my minimum monthly payment is supposed to be XXXX ). so i pay about XXXX extra each month. 

Today I noticed that they were holding two months of payments stating it was due to overpayment. i never made any changes to my account settings and i have been paying overpayment for several years and this has never come up. they did not notify me this was happening. 

I called them and they put in a request to have this changed. but i feel like it was a total scam and If i hadn't happened to check i would never have noticed this. i feel like this was a scam to prevent me from paying down my principal for two months and they would continue to collect interest.
Product: Credit card or prepaid card

THERE WERE SEVERAL CHARGES ON MY NETSPEND CARD THAT I DID NOT AUTHORIZE THE CHARGE OR THE PURCHASE THREW A INTERNET. I BELIEVE MY LAPTOP GOT COMPROMISED AND HATCHERS GOT MY CREDIT CARD NUMBERS. I HAVE FILE A COMPLAINT WITH THE IC3.GOV AND WITH LOCAL AUTHORITIES. HERE IS THE LIST OF MERCHANTS THAT CHARGED MY CREDIT CARD FOR SERVICE AND PRODUCTS THAT I DID NOT ORDER OR AUTHORIZE THE CARD TO BE CHARGED. 
Transactions included in this dispute If you have additional transactions to dispute, that are not listed here, please contact Customer Service. 
Special Note : When you file an unauthorized transaction dispute we require the affected card ( s ) be blocked to protect your account. We will show you options for replacement cards once you finish filing your dispute. 
Transaction Date Description Amount XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX US {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$24.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$28.00} XX/XX/XXXX XXXX # XXXX XXXX US {$47.00} XX/XX/XXXX XXXX XXXX XXXX {$6.00} XX/XX/XXXX XXXX   XXXX XXXX {$49.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$8.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX   XXXX XXXX {$1.00} XX/XX/XXXX XXXX  XXXX XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX AXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} THANK YOU VERY MUCH FOR YOUR TIME AND CONCERN ON THIS MATTER.
Product: Debt collection

I received a letter from Southwest Credit Systems after disputing the information that I owe a cable bill from XXXX. I asked for the original contract of the bill, as well as identifying information such as my birthday, SSN, or any other identifying factors that would show me that this debt is mine. I knew that the information is incorrect because I use XXXX for my internet, with the bill and all of the information is in my name, and not anyone else 's. They are reporting on an account that I never had, as my XXXX and account are current with XXXX. They are calling and sending harassing information to my phone and reporting to the credit bureaus that this information is correct. It was deleted on my Equifax account in XXXX of 2017 and then placed right back on my account without any notice. After my second time disputing it I do n't know what else to do because this is not my bill, and I should n't be responsible for this bill. I have had this company for at least three years and none of my bills from XXXX are in collections with this company.
Product: Vehicle loan or lease

Purchased car 2 to 3 years ago at XXXX XXXX XXXX XXXX within a year of having the car I tried to trade it in for something else multiple dealerships. Tell me there is something wrong with the title that it is salvaged or total loss. I have gotten a XXXX report and it states structural damage, upon contacting regional acceptance, they further investigated and suspect title may be washed. But have taken no further action car is due to be repossessed, if legal action not taken.
Product: Credit card

I had XXXX fradulent charges placed on my credit card account. I reported them two days after they were placed on my account. I have been lied to 4 times about how long it will take to have them removed. I called in once, and was told 2-3 days. 3 days later i called in and was told it takes 5-7 days. I called in 7 days later and was told it takes 7-10 days. 10 days later, I called in and was told there is no expected time to reconcile the charges and remove them from my account. Every other time I have reported fradulent charges to my citibank credit card they applied a conditional credit immediately. This time they are basically refusing to remove them, and they continue to count against my credit line, despite the 100 % no-liability on fraud charges a that is advertised by Citibank for their credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/ma'am, I am XXXX XXXX, I am very diligent in paying my balances. I am an honest person. I managed to get my credit score in ranges of XXXX XXXX by acting with discipline and diligence in paying my dues. This incidence below has led to substantial dip in my credit score from XXXX to XXXX without any fault of mine. 
I want to bring to your notice about in accurate reporting of delinquent account on my credit report. This is about XXXX XXXX # XXXX, as reflected on my credit report. There was a confusion and gap in communication. I never have got any communication and wasn't even aware that I am being charged on that card which I have never used for any transaction. I have spoken with XXXX officials and that has been rectified and corrected infact the same card has a negative balance of ( $ XXXX ). I can attach the statement for the same for your records and review. There is no balance due on me and the recent statement is a proof of that. Can you please suggest how can I get this erased from my credit report of all 3 organizations i.e Transunion, XXXX and XXXX. It will be a great help as I have always been sincere and diligent in paying my debts. 
Despite closing with XXXX, I still see the dent in my credit score. The whole event should have been removed without even mention of that, as first there was no fault of mine and 2nd the mis communication was settled with XXXX with resolution of the case. 

Please help me in addressing this huge dent in my credit score with all 3 reporting agencies like Transunion, XXXX and so. 

Regards, XXXX XXXX
Product: Student loan

I attended XXXX XXXX XXXX in 2005 to study the XXXX program and I have been over charged for this program they charge my student loan triple the amount for this course. I have been trying to pay for this loan for the past 10 years.
Product: Credit reporting

XXXX from Experian/XXXX states that I do not have the right ( by federal law ) to dispute or put in an investigation on credit inquires that were not authorized by me That all credit inquires will stay on my credit for 2 years whether there verified as valid or not
Product: Credit reporting or other personal consumer reports

Fraudulent inquires : TD AUTO FINANCE Finance/Personal Inquiry : XXXX. XXXX, 2022 ( XXXX ) XXXX + XXXX XXXX XXXX XXXX XXXX. XXXX, 2022 Automotive + ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX + CAPITAL XXXX VIA DEALER Inquiry : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, 2022 Finance/Personal ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looked at credit reports and seen fraud and swindles all negative remarks are swindles and fraud ... XXXX XXXX Office of attorney general loan. XXXX XXXX loan. All late payment on any account.. XXXX equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 15 USC 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 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Mortgage

made payments to Rushmore and they statd payments sere never receivec. chase shows online payments sere made. XXXXXXXX XXXX  foreclosure on this house without any legal notice. I never knew that XXXXXXXX XXXX  had any legal interest on this loan. My mortgage was sold over five times.Since the house is foreclosed and sold. This effects our credit score and reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed unauthorized inquiries that do not belong to me. Below Ive listed the inquiries and attached an affidavit from FTC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

1 ) I called XXXX and told customer service to help me purchase 3 XXXX XXXX tickets. Instead, the agent misunderstood and sent me to a link and directed me to purchase 3 XXXX XXXX California tickets. Upon arriving at the gate of XXXX XXXX, the ticketing staff noticed the mistake and told me to call XXXX to correct the error. XXXX refused to take responsibility by saying they cant verify their agent made the mistake, a complete lie that they know they will be able to get away with because they can technically just WITHHOLD any recordings. I was forced to buy 3 tickets at the door from XXXX XXXX on my other non TD credit card, which I can prove if necessary. 

2 ) I called TD Credit card disputes to report the issue, and they somehow decided the case against me, failing to protect me from unauthorized transaction. I give XXXX authorization to charge me for what I requested, not for what I never requested. Therefore, the charge should be void. Instead, TD refuses to even let me appeal. I canceled my credit card because its clear they dont want to protect their customer, me in this case, so there is no point in continuing to use the card. 

3 ) TD bank didnt even bother to ask me for additional information to help with the case. XXXX sent them a bunch of screenshots that show me purchasing the tickets online, but that was at the direction of their sales agent. They said these were the right tickets!!!! I took their word and got screwed. Criminal on part of XXXX to deny their mistake.
Product: Debt collection

Unifund CCR LLC obtained a judgement against me on an old credit card balance in XXXX XXXX, XXXX. case # XXXX  XXXX for the amount of XXXX. Bi weekly garnishment payments were withheld by my employer and forwarded to the XXXX XXXX XXXX beginning on XX/XX/XXXX around XX/XX/XXXX with a balance of XXXX remaining. XXXX CCR LLC then filed another garnishment order in XXXX XXXX XXXX around XX/XX/XXXX and bi-weekly garnishment payments continued until XX/XX/XXXX. On XX/XX/XXXX, I received via US mail, a copy of a continuing garnishment order filed in XXXX XXXX XXXX by Unifund CCR LLC. The order stated the the garnishment order was to continue until XX/XX/XXXX. 
I contacted Unifund CCR LLC via telephone regarding the order and was placed on hold and no one came back on the line. 

On XX/XX/XXXX, I received via US mail, another copy of a continuing garnishment order filed by Unifund CCR LLC in XXXX XXXX XXXX on XX/XX/XXXX. The order states that the order is to continue until XX/XX/XXXX. I again attempted contact with Unifund CCR LLC via telephone and asked to speak to attorney XXXX XXXX XXXX ( This is who filed the garnishment order ), only to be placed on a long hold and then transferred to a different division with a voicemail. I left a voicemail and am waiting to hear back. 

As of the date of this correspondence, Unifund CCR LLC, has garnished {$2000.00} from my checks.
Product: Mortgage

Mr. Cooper Nationstar Mortgage LLC failed to renew my hazard home insurance with XXXX  an XXXX XXXX by XX/XX/XXXX on Loan Number XXXX. I called XXXX and Mr. Cooper and had them on a conference call together at XX/XX/XXXX. XXXX states they did not allow a renewal since per their system my hazard insurance lapsed the year before but Mr. Cooper claims they paid in XX/XX/XXXX {$1100.00} from escrow account. No one gave me an explanation where my {$1100.00} went, leaving my personal home at risk. XXXX states on the phone call that Mr. Cooper never reached out about my renewal or about verifying my insurance. XXXX XXXX, Mr. Cooper committed escrow mismanagement and fraud. I clearly stated I did not authorize Mr. Cooper to purchase insurance on my behalf due to their error. I personally enlisted another insurance company ( XXXX XXXX ) on XX/XX/XXXX which informed Mr. Cooper. Mr. Cooper is now charging me {$790.00} through my escrow account of retroactive hazard insurance for the period of XXXX. I did not authorize this or consent to this. I only authorized them to renew my insurance via XXXX which they failed to do. XXXX denies communication from Mr. Cooper on this matter. Mr. Cooper has not given any explanation about their failure to properly manage my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and GC Services. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to XXXX 's. I 've sent XXXX 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called GC Services. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. XXXX 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the XXXX reporting Agencies and GC Services. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case