23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XX/XX/2016 and one on XX/XX/2016. I have the signatures stating that they received them. It also was not marked as disputed on my Experian credit report within The 30 days as allowed by law. It has been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 


XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ; XXXX XX/XX/2023.
Product: Credit card or prepaid card

Credit karma stated I had excellent chance of getting approved for the credit card.. XXXX  and XXXX  XXXX credit card XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

So, on XX/XX/2022, I mailed letters to Equifax, XXXX, and XXXX. Here are my tracking numbers for removing personal data from my credit report : XXXX, XXXX, and XXXX. I have a right to privacy under the Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. Additionally, no financial institution is permitted by [ 15 U.S.C. 6802 ] to disclose my information to unaffiliated third parties. 

My rights as a customer are being violated in plain sight.
Product: Credit reporting or other personal consumer reports

The inquires that are reporting on my account I am not aware of I've never applied for the creditors so I am confused why are they popping up on my credit report.
Product: Credit reporting or other personal consumer reports

There is information on my credit report that is a result of identity theft that I did not provide information for or any written permission or instructions for the identified transactions to be reported on my consumer credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block is not being made on the basis of misrepresentation of fact by me relevant to the request to block the identified transactions are not information related to any any transactions by me as the consumer. You are required to do what I am asking and block these transactions from being reported to my consumer report within XXXX days from the date of receipt. I look forward to your response. Thanks
Product: Debt collection

Was talking to my credit counselor and America credit union was on my credit open date XX/XX/2019 for the amount of XXXX.I called and they couldnt find nothing about this issue in the system by my social or name and they told me to fill out a police report send in my information as well and a ftc identity theft paper
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading and now my information is being sold to other companies for a home refinance
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i must inform you that I am NOT responsible for this fraudulent account. Someone stole my identity and opened up a fraudulent account and inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

This account should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) under the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the account and inquiries listed IMMEDIATELY! 
I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Debt collection

Per the FCRA as a federally protected consumer I am now opting out of any and all authrization I the consumer may have given you written, unwritten, verbal and non verbal per 15USC 6802 and privacy act of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a XXXX XXXX Claim in my credit report for the last 3 yrs. and has been showing as an unpaid debt. The Hospital submitted a no-fault car insurance claim to my insurance incorrectly : wrong amount and wrong medical billing codes. As a result, my credit has been negatively impacted - I have been trying to refinance my mortage as stated in my divorce papers. 

I was in a XXXX XXXX  in early XXXX, I went to XXXX XXXX in XXXX, NY to be checked and submitted all required no-fault claim paperwork to both hospital and my insurance company. 

It has taken me 2 yrs. to get this corrected, and still, the negative history is part of my credit history. 

I have made countless calls to the XXXX XXXX XXXX XXXX XXXX - however, all they could site was " collections laws '' and that they had nothing to do with the claim nor had any idea of how to " remove this '' from my credit history. 

The attached letter was received from them on XX/XX/XXXX, and still, my credit report shows this debt -- appears on my three ( 3 ) credit bureaus as " old unpaid medical debt ''
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX  XX/XX/XXXX -- $ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} XXXX  # XXXX XX/XX/XXXX -- {$3400.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit card

I've consistently ensured payments on this account are timely, never letting them become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate Information Used In Credit Score Rating Provided by Equifax On XX/XX/XXXX I sent a letter to Equifax Info Svcs, XXXX, GA XXXX that stated the following : " My credit score report ( FICO Score XXXX based on Equifax data ) provided through my credit union ( XXXX XXXX ) indicates that a Key Factor impacting my XX/XX/XXXXscore is a Serious Delinquency. The report further states, Your score was impacted because your credit report shows one or more serious delinquencies. Copy of the Credit Score Rating report is enclosed. I dont recall ever having a delinquency and examination of my credit report shows no evidence of any delinquency. This error no doubt has caused my Credit Score to be rated incorrectly. " I received correspondence from Equifax dated XX/XX/XXXX. # 1 was copy of my credit file  Confirmation # XXXX which showed no delinquencies ever posted to my file. # 2 was Equifax letter, Confirmation # XXXX, saying the results of the dispute I filed are complete and giving info about the process. Equifax addressed my complaint as if it were about incorrect info in my credit report which was not at all the case. The info in my credit report is accurate in showing no delinquencies have ever occurred. The complaint was / is ; my Credit Score has been negatively impacted by inaccurate info reporting that I have a serious delinquency ( or any delinquency ) in my credit file.
Product: Bank account or service

I received an offer in the mail for a XXXX Checking account which stated I would receive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles after opening the account and meeting the promotion terms. 
I met the promotion terms, but never received my miles. I opened an investigation with Citi regarding the promotion, and at the end of the investigation Citi determined that there was never any promotion attached to the opening account. 
This is an absurd " resolution. '' I received a letter in the mail in my name from Citi offering the promotion, and the customer service representatives I spoke with before opening the account and after opening the account all confirmed that I am eligible for the promotion. 
Now that I 've met all the promotion terms and conditions, Citi is refusing to give me the XXXX miles.
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. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX & XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 adverse item of information, other than records of convictions of crimes which 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.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX To whom it ma concern, My name is XXXX XXXX and iam writnig this letter for assistane with my morgate company Caliber Home Loans account number XXXX, and the way they have been providing me questionable services. 
Over the past year Ive been trying to get my Mortgage company to explain why i was charged a fee of XXXX on XXXX for fees of XXXX motion for relief which i dont even under stand i never agreed to pay for through Caliber Home Loans, especially since i was represented by my own attorney from the begging of my bancrupcy, My bankruptcy was discharged on XX/XX/XXXX and closed on XX/XX/XXXX. on my bankruptcy my home mortgage was filled as retained and claimed as exempt during the whole process of my bankruptcy i was reassured by my attorney that my bankruptcy process was going well, through the whole process. therefor i would have even needed the assistance of Caliber Home Loans. 
As for the other issue I have had the hardest time with Caliber Home Loans trying to get a monthly statement for verification purposes since XX/XX/XXXX. i have made many calls, emails, and fax requesting a recent monthly statement. Even before my need for a statement i contacted caliber home loans to make sure everything was okay with my account and through the whole time I was assured it was, but now i came to find out that i needed to make a written request this whole time. And in even making the request in different formats I have be
Product: Student loan

After graduated with my XXXX from XXXX XXXX College. I decided to continue my journey and go for my XXXX  right after. I was told that my private ( Sallie Mae ) loans would be put on hold for the meantime until I finished school. Once I finished up school and began to look for a job that could afford the loans and support me my loan kicked in. At the time I only owed about XXXX which was understand able for the type of education that i received in the matter of 5 years. One afternoon, after doing research and calls. I reached out to Sallie Mae to let them know that the job that I got I wasn't making enough to be able to pay the month balance. I was then told by the agent. " We offer a program where we can put your loan on pause for a certain amount of months. '' I was then told this would be good for me because I could focus on my other loans and bring them down so that I could have more room to pay the monthly with Sallie Mae/Navient. About a few months later I recieved a email, letter, phone calls stating that my payment was due on a certain date for 3x the amount that I couldnt afford the first time. I reached out to Sallie Mae and Navient and they told me that the loan was put on pause but that the interest was still building up in the back. I went from XXXX to XXXX. In a much worse situation that I was in to begin with. I got tricked into that forbearance plan. 

Please help me. I don't know who to go to in order to have them review my loans and what illegal practices have been committed. I really think I have been a victim of the allegations against navient / sallie mae. I know I am not the only one. These people are thieves. I will be paying these debits off until I am XXXX years old. It has delayed me from buying a house, settling down and starting a family.
Product: Credit reporting or other personal consumer reports

This CFPB COMPLAINT IS BEING FILED IN PURSUANT TO FCRA 605B ( 15 U.S.C. 1681 c-2 ) THAT YOU THE XXXX EQUIFAX  AND XXXX XXXX  CREDIT REPORTING AGENCY BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT THIS FRAUDULENT INACCURATE AND FALSE INFORMATION CONSIST OF THE FOLLOWING ACCOUNTS :
 XXXX XXXX   ACCOUNT # XXXX BALANCE XXXX  MONTHLY PAYMENT XXXX XXXX XXXX XXXX. ACCOUNT XXXX XXXX BALANCE XXXX  MONTHLY PAYMENT XXXX XXXX XXXX  ACCOUNT # XXXX  BALANCE XXXX  MONTHLY PAYMENT XXXX   THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER FICO CREDIT REPORT
Product: Credit card or prepaid card

My complaint is against Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX 1. On XX/XX/2018, I initiated a transaction with XXXX and placed and order for an amount of {$260.00}. Soon after that I called and modified the order and the charge was {$220.00}. However, XXXX processed both charges, when only the {$220.00} was the valid one. 

2. I called XXXX and they promised to refund the charge. I have email correspondence with XXXX validating that there was an error on their part. However, after waiting for 2 months I disputed the charge with Citibank explaining the reason for the dispute. 

3. Instead for honoring my dispute that that merchant agreed to Citi denied my dispute I had claimed on one of the transactions from XXXX. 

XXXX. The XXXX charges are XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   {$220.00} Valid & Correct. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX {$260.00} Should be refunded. 

I have sent letter to Citi with copies of the emails from XXXX. I also contacted them via XXXX, where I was promised a response. 

I appreciate any help in resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account identified as fraud - the company promised to remove it from my report and has removed all except Transunion. Transunion somehow keeps verifying the account when it was fraud
Product: Debt collection

American Honda has not provided the contract with my original signature when On XX/XX/2019, I sent them letters directly requesting them to provide me, my agreement. We sent letters to the credit bureaus asking for proof of the agreement and to validate the debt. And how was the investigation handle when I disputed this item on my credit file. I am asking them to provide proof of this account, or removed from my credit file. Or provide the original contract with my signature.
Product: Debt collection

J.H. Portfolio is believed to be about the XXXX fourth party that this account has been transferred to. I am not in agreement with the balance that the mentioned party here has listed on my credit report ( s ). Therefore, I will attach a Letter of Explanation about this situation, in order to help explain my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Equifax ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt, These companies ( Navy Federal CR Union, XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 adverse item or information, other than records of convictions of crimes which 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 know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I have filed and submitted a request to correct all incorrect information on my credit report with all three bureaus. I have waited the 30 days for the results and nothing was corrected! There are numerous inaccurate addresses and accounts on my reports. Per FCRA regulations and requirements 15 usc 1681i ( 5 ) I am entitled to a fair and Accurate credit report. There are numerous accounts reporting to only one or two of the bureaus in question. That in itself should be enough to delete some or all of inaccuracies on my reports! I am a XXXX XXXX  of XXXX young children and am in need of buying reliable transportation and housing. I can not do either, do to the inaccuracies on my credit report! I am submitting this to correct any inaccuracies across all three bureaus and request immediate remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in ( BUREAU ). I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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

i have 2 SSN on my acct one is not mine did explain they didnt remove my ssn ending XXXX but another one ending XXXX not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding closed complaint # XXXX On XX/XX/XXXX I received a letter from the National Consumer Telecom & Utilities Exchange stating that " within the last 12 months we have at least one report that added negative information to your NCTUE file '' and that I have the right to obtain a free copy of my file from them. Per my first complaint, I tried repeatedly to contact them unsuccessfully. 

Once I filed my initial complaint on XX/XX/XXXX, XXXX at the NCTUE contacted me by phone to figure out what was going on. We went back and forth. She couldn't find anything. I emailed her a copy of the notice on XX/XX/XXXX and a smaller copy of the notice on XX/XX/XXXX because my 2MB photos were too large for her email system to take at first. We went back and forth again, and she said she would send the copy of the notice to her bosses to figure out. 

I was patient and waited. On XX/XX/XXXX, I emailed her again to ask for an update. I never heard back. 

Are you sure NCTUE is a real company? I am concerned that this random company has my SSN, DOB, and full name and info, which I gave her to help find my information in her system to find out why I was sent that notice. Because of this, I am deeply concerned by her lack of follow-up.
Product: Bank account or service

The Rush Card has been with holding money from my account, which I have been unable to pay bills, get to work, move in to a new home, and feed my family I was suppose to recieve my direct deposit and it is promise to me that it will be there two days befor my pay check, this happen during the end of the month when I have to pay rent. They keep telling me that they can not give me a time frame on how long it will take but keep guarenteeing me the money is safe but mean while my car insurance was just cancelled XXXX 2015 and the bill collector will not take an excuse I have suffered severaly from these damages and lost out on a home, a drop in credit, late fees, unable to keep my daughter in day care/after school, lost in hours at work and emtional stress I have to check my self in a hospital because of head aches im recieveing from stress. I have been unable to feed my family and had to borrow money from others that I have still been unable to pay back so far I have lost XXXX because of the lost hours at work and unable to get gas to meet deadlines and im lossing by the day because the issue is still not resolved I call them spoke to someone and pleaded my case they just countinue to place me on hold for hours and hope I hang up or they will hang up please help me, I soon will have to take out a pay day loan to help myself in this financial crisis.