23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, personal loan, or advance loan

I reached out to the company and asked for a pay off balance the add me do another application to try to get an additional loan/ refinance the previous loan to pay off the old loan. Try told me that I will need add an additional collateral as well I only qualified for a little amount which wouldnt even cover the previous loan. I was told that the could lower my monthly payment which I had monthly payments but I paid by weekly so therefore the amount I paid never seemed to go down. I was told that if I paid by weekly I would pay the amount down faster which was a lie. I think I paid this loan for XXXX  year straight and the amount never went down. The interest is out rages I then wasnt able to pay doing it Covid. They called me several times to try to get me to modify the loan which kept me applying my credit score down and I was never approved and when I was approved the amount what wasnt. Enough to pay off anything so it still left me in the negative or should I say behind?
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a notice from Experian stalling my dispute process knowing I sent all the forms of identification verifying my address/ identity. They need to stop stalling and fix my issues on my consumer report.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6
Product: Credit card

This accounts are fraudulent and do not belong to me. I did not authorize these charges or obtain any goods or services from these company 's. These accounts should be completely removed from my credit report from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX  Trensunion : XXXX XXXX XXXX XXXX XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX   Trensunion : XXXX XXXX XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX XXXX  : XXXX   XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Trensunion : XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XXXX  Trensunion : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires reporting on my report that should have been removed already but are still showing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I owe an account after advising I was a victim of ID theft. 

ID theft statement not to open new accounts was on file with credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below 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 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 1. XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

2. XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

3. XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit card

Why did CareCredit give me A REFUND OF {$17.00} which reduces the {$1200.00} in dispute?? 

CareCredit 's Statements on this account is ERRONEOUS. 

Also, see the attachments : " Missing Statements XXXX Promotional '', and " XXXX Promotional {$1200.00} '' which i retrieved from my online account on XXXX, here CareCredit stated that the {$1200.00} has been PAID OFF. 

Furthermore, all these BILLING CONFUSION began in XXXX when Synchrony Bank didn't email in XXXX that i owe them in XXXX, YET IN XXXX SENT ME A THREATENING STATEMENT OF OVERDUE PAYMENTS : see attachments : " Missing XXXX '' and " Missing XXXX ''.
Product: Credit card

During XXXX of XXXX I noticed that an account had been opened under my name with Current ( Finco Financial Services , Inc. ) in a fraudulent manner. I had never heard of the Company, nor did I choose to open the account. I asked if there where any charges or opened the account, they refused to provide the information. I requested it through certified mail and requested the information under Section 623 ( a ) ( 1 ) ( b ) of the Fair Credit Reporting Act and received no response. Additionally, I have asked them to close it and remove it from my credit report multiple times. It is still appearing on my credit report and they claim there is nothing else they can do. This Company is utterly irresponsible and should not be in business. They do not have the capacity to service individual 's personal and financial information. They do not even require a SSN to open an account. So any one could open an account in someone else 's name with limited information.
Product: Student loan

Since XX/XX/23 I have been trying to access my account with EdFinancial who is managing my Federal student loan. I have made numerous attempts to enter my SS # and/or account number and birthdate which the system never recognizes. I have sent several emails and get pat responses telling me to register for a new account but in order to do that you have to enter your SS # and birthdate which they DO NOT recognize. The responding emails always say the same things directing me to begin again which is impossible because of not recognizing my info. We have also tried calling and the wait time is over 2 hours and when requesting a callback, either they never call back or the phone will ring 2 times and they hang up and you never get to speak to anyone.

Meanwhile now I'm getting an email that I owe 2 payments and I have NO WAY to make these payments. Interest and late fees are probably accruing and I have no opportunity to correct this. I have every good intention to make payments on this loan but am unable to do so. I will not be responsible for late fees and interest that accrued beyond my control and inability to access my account in order to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've contacted equifax and XXXX and XXXX on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

They negligently or intentionally exposed me and my wife 's private information to the entire world. Such information included but is not limited to, full name, employment history, payment history, debt amounts, date of birth, social security number, etc. 

Their Director of Information Security merely had a XXXX degree in XXXX. Some of their top level passwords were XXXX.
Product: Debt collection

I had a debt and I paid it, I am still reported in the 3 national credit bureaus, I have communicated several times with them and they do not answer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

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: Debt collection

This is my third time filling a complaint about this debt collection company, I have never signed a contract with them, There is no contract between me and spring oaks Capital. Spring oaks Capital has never lent me any amount of money, by law this company must provide me a contract between me and them since they are asking me to pay them, the contract should name them as the creditor and my name must also be on it. A contract between me and the original creditor is not the same as a contract between me and a third party debt collector, I also want to see the proof that they are authorized to collect on this debt. I also want the full record of accounting that shows every single charge, fee, interest charge and payments on the account. Since this third party debt collector decided to furnish this information to the credit bureaus, I want them to provide me with the document signed by me that says that I gave consent that allowed them to furnish this information to the credit bureaus, I also want the documentation of the sale between spring oaks Capital and the original creditor and the amount that they paid for this account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct the reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed lawsuit against Experian, alleging, systemic issues, such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my Experience. where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experians action, violates federal law, and my rights as a consumer.
Product: Debt collection

Commonwealth Financial out of XXXX, PA. Reported on my credit a new account as of XX/XX/XXXX. They would not give me a date of first deliquent stating they received the file in XXXX. I have tried to talk to them about it since they call up to 3 times a day but they would not send me any information on when the debt first occurred. The debt is a medical debt that was paid back in XXXX. A remainder remained on the account but when I moved the debt transferred to a collection agency because they were unable to contact me and from there I have no clue what happened. But given that the statue of limitation in Texas is 4 years and in Tennessee is 6 years the debt is well past those limitations. This debt needs to be deleted ( not settled or closed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt apply for a loan with XXXX XXXX XXXX XXXX XXXX XXXX and I disputed two years ago and and all sudden its back on my Experian credit report and I never called Experian and I dont remember it blocking it ... I may with other credit bureaus but not with Experian ... Experian is rude and unprofessional with me and I wouldnt dispute it and and XXXX XXXX XXXX XXXX XXXX refused to remove it off my report and holding me responsible for a fraudulent loan I didnt apply for ...
Product: Bank account or service

I have been with M & T bank for a while and have had issues with my money being played withThe feds frauded meI have n't received my policies and I 'm just to the point idk know what to doMy debit card is offMy name is XXXX XXXX
Product: Mortgage

RE ; LOAN # XXXX - SHELLPOINT please help with shellpoint mortgage, it is now over 90 days that shellpoint keeps adding home insurance to my monthly mortgage payment causing to show in default. 
Shellpoint know my home insurance gets paid thru my home owners association yearly and a copy was provided to them. 

Now shellpoint refuses to remove the insurance that was placed without my authorization and placing my mortgage payment back to the original payment after i provided the supporting documentation to show i have valid. 

Please help me since shellpoint keeps playing games every single year addding insurance to my payment and causing to show behind when i have made all my mortgage payments on time. 

this is really getting out of control.
Product: Credit reporting

XXXX reported an existing and overdue balance of {$58.00} to a Collections agency from an account that had been closed in good standing many years prior. I paid the existing balance when called by the Collections agency but since then my credit has been negatively affected. I have spoken with XXXX about removing this from my credit report and they agreed to do so ( and emailed me a confirmation of that discussion ). However, after 30 days, the negative account remains and the credit agencies insist this must be pulled back from XXXX. I have exhausted all methods of communication to have this erroneously reported delinquency removed from my account.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting

I have a fraudulent hard inquiry on my XXXX credit report from a company called Credit Plus. I disputed this inquiry directly with the company and recieved documentation, see attached, stating that they have no knowledge of this inquiry either.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following fraudulent accounts that were opened in my name without my authorization. I am a victim of identity theft and request that these accounts be removed immediately from my credit file. 

XXXX XXXX has reported several accounts in my name, including an auto loan that has been marked as repossessed and credit card accounts that are past due. I never applied for, authorized, or used these accounts, and I have no knowledge of the transactions made under them.

I have been affected by multiple data breaches in recent years, which may have contributed to the fraudulent activity on my credit report. I have already taken steps to address this issue, including filing a police report, disputing these accounts with the credit bureaus, and requesting the original application details from the financial institutions involved. 

I never applied for, received, or authorized these accounts. Additionally, I request that you provide me with all supporting documentation related to the application, including : 1.A copy of the original application 2.The email address and phone number used on the application 3.The mailing address used at the time of the application 4.Any recorded phone calls related to the application process 5.IP address or location where the application was submitted At the time of this application, I was living in California at XXXX XXXX  XXXX XXXX, XXXX, California XXXX XXXX, further proving that I was not the applicant. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I request that : 1.These accounts be permanently removed from my credit report.

2.Your office cease all collection activities related to these fraudulent accounts.

3.You provide me with the requested documentation within 30 days.

I have enclosed copies of my police report, FTC Identity Theft Affidavit, and supporting documentation for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/19- I received an alert that i had a missed payment on my credit report. Upon further investigation, again it was an account that was closed over two years ago. See attached screenshots for evidence. I have enlisted XXXX XXXX XXXX to help me settle this account. For the past year i have been making steady payment to settle this account.
Product: Student loan

Im on a rate reduction program with Navient and you have to reapply every year based on your income. My income has dropped to half and I just had a baby. So they told me that didnt matter and I didnt qualify. How does your income drop in half an have a baby dont qualify. What is the point of asking me about my income if they are not willing to help me. They are not willing to help me. Is there other options like income based options? I literally was offered no help and when I call I get a different answer every time. This company is terrible to work with. Do you know of other companies that I can go with or help with this??
Product: Student loan

I have asked AES numerous times for ALL my loan records as one loan seems completely made up. The information does not match to any loan made by me. The date they started reporting it was XX/XX/XXXX. However, it shows it was opened in XX/XX/XXXX. I never opened a loan on that date. There is a whole 8 years gap of reporting, which is illegal. In addition they fraudently wrote it off for {$65.00}, XXXX and sold it. The other loans I did take out were open prior to that and did not exceed $ XXXX. They were reported in XX/XX/XXXX, than this loan for an absurd amount was reported years later. Their practices are illegal and false.