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

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX  ) that a XXXXXXXX XXXX XXXX XXXX  account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL 3 CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as Transunion and XXXX due to accounts being reported to my credit report with account owners that have a similar name. The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX XXXX XXXX ACCOUNT. XXXXXXXX XXXX customer service and supervisors have not aided in resolving this issue. 

I filed a dispute with all 3 credit bureaus in XXXX. Transunion is the only credit bureau still reporting the fraudulent names, addresses and XXXX XXXX credit card account. 

I mailed transunion : Dispute, Drivers license, Social security card, Birth certificate, Police report, FTC report, and Utility bills. Transunion sent a follow up letter requesting the same exact information I had already sent via priority mail. I resent the same documentation AGAIN in XXXX certified mail. The tracking number shows it was delivered. Transunion still decisions my case as the debt being valid even after claiming not receiving my documents that I sent TWICE and receiving correspondence from them stating they cant block and delete the fraud unless I send required documents, which I have done. 

I submitted ANOTHER dispute to Transunion in XXXX via XXXX and I uploaded all required documents. I have yet to get a response on the dispute. Please review it and remove the fraudulent information from my report as this is affecting my life and I can not find a place to live due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the XXXX data breach that occurred 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 : ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # 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

EXPERIAN, XXXX, AND XXXX  ARE ALLOWING TWO COLLECTION ACCOUNTS TO BE REPORTED OPEN ONE MONTH THEN CLOSED THEN NEXT MONTH. MARYLAND STATE LAW REQUIRES THE ORIGINAL CREDITOR AND COLLECTION ACCOUNTS MUST BE DESIGNATED AS CLOSED AFTER 3 YEARS AFTER DATE OF FIRST DELINQUENCY. THERE IS NO LEGAL OR LAWFUL WAY OF DEBT COLLECTION AFTER THIS DATE. I HAVE SENT VIA REGISTERED MAIL TO SAID COLLECTION AND ORIGINAL CREDITOR ACCOUNTS CEASE AND DECIST LETTERS VIA US POSTAL CERTIFIED MAIL. I WILL CONTINUE TO REPORT THIS AND CONTACT THE MARYLAND ATTORNEY GENERALS OFFICE THEN PURSUE A LEGAL REMEDY AGAINST EXPERIAN, TRANSUNION, AND EQUIFAX. THEY ARE CURRENTLY VIOLATING FEDERAL AND STATE LAW REGARDING CREDIT REPORTING PRACTICES. I HAVE MADE COMPLAINTS TO THEM AND ALL EVIDENCE IS IN THEIR POSSESSION. MY CREDIT SCORE JUMPS 70 POINTS EVERY OTHER MONTH DUE TO THEIR NEGLIGENCE. THIS MUST STOP THIS IS ILLEGAL AND I WILL SEEK DAMAGE.
Product: Student loan

On XX/XX/year>, I made a payment to Paramount Capital Group from my XXXX checking Account in the amount of {$200.00}. They were unable to process the payment. They said there was NSF. However there is plenty of money in the account to cover the payment. Now Paramount Capital Group is charging a fee and will not refund the fee. I have never been late with a payment. Is there anyway to get help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX  XXXX and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Student loan

On XX/XX/23 my husband applied for a loan consolidation, and a IDR. Im student aid.gov. They are still showing in review yet. They have already been consolidated to the new lender, which is ED financial. The IDR is also showing still in review it is affecting our mortgage and our family could end up homeless unless Ed financial gets this fixed. I have tried to contact ED financial on several occasions and on XXXX occasion it said XXXX minute wait time and I waited XXXX hours on hold and no one answered the call. Another time it said XXXX minutes wait time and no one answered the call. I sent an email and no response, the chat never works it always says no one available goodby. I was told by student aid. Gov the only way to get this resolved is to get a hold of the lender yet there is no way to get a hold of ED financial I have even tried social media pages to see if I can get them to respond. XXXX suggestion the federal aid.gov had after talking to multiple people was maybe try to file a new IDR. For XXXX we dont have the time to wait for a new one to be processed since we have been waiting for months for the other one to process literally we are within days of our mortgage being rejected and out on the streets, not only that we can not file XXXX while XXXX is still being processed. I dont understand why someone cant just help us. Why would the government allow a lender that is unreachable?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  - XXXX - XXXX - {$0.00} XXXX XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX  - XXXX - XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 

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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Experian, and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding an inaccuracy in my credit report. Despite my submitting the dispute, XXXX constantly responds within 24 hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15 U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them. For these similar violations, I request that the CFPB take action to ensure XXXX complies with federal laws and provides consumers with the necessary proof of investigations. 

here are some of the account i wanted remove 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: Vehicle loan or lease

I do not know how long this has been going on but recently I've found out XX/XX/18 that the car payments that I've been making have been going to XXXX auto insurance at their choosing. After paying over {$400.00} within the same week I received a text message stating a text that I was over {$400.00} past due. When I called their customer service stated they could apply my payments anywhere they choose and that I was now 20 days past due. The loan I have is a simple interest loan by the company choosing not to apply my payments to the actual loan I will be paying way more for the vehicle than expected along with negative reports to my credit while making payments. Prior to this incident the customer service collectors will make you feel as if you are about to be repossessed verbally and through text.
Product: Vehicle loan or lease

I contacted the company on XX/XX/XXXX to start the voluntary repossession process. I called on XX/XX/XXXX as no on one had contacted me as I was instructed.I was advised everything was approved and the vehicle was assigned to a towing company and to call back on XX/XX/XXXX or XX/XX/XXXX and I would be provided the name of the company. I called today ( XX/XX/XXXX ) only to be told that someone internally from American Credit Acceptance went in and deleted my request without me asking them to and it had to be resubmitted and all I can do is wait. I am moving in 3 weeks and I have given them ample notice to come and get the vehicle and they refuse to come get it.
Product: Credit reporting or other personal consumer reports

I am a victim of ID XXXX. The information listed below, which appears inaccurately on my credit report by TransUnion, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX -- Closed XXXX  Other/Unknown Accounts XXXX-related accounts. 

XXXX XXXX XXXX XXXX reported with XXXX and alleged to be XXXX  Alleged is reported in deficiency of reporting mandates and or practices therefore the chicanery must be eradicated as is my in accordance with the law ( s ) and or requisite standard ( s ) requested resolution, please do so HERE AND NOW! This claim has assumed ailments in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported : Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

After thoroughly analyzing TransUnion has breached the Consumer Credit Protection Act sec : 1681 ( i ) as well. 

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

In accordance with the Fair Credit Reporting Acct XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( Equifax, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.
Product: Credit reporting or other personal consumer reports

I want to dispute certain account listed on my credit report, which were reported by your credit bureau. I do not recognize these debts and was not informed of them. Despite providing my updated address, the creditors used my old address when I attempted to contact them. I also submitted the required FTC complaint to support my claim that these accounts are not mine. Consequently, I did not receive any correspondence regarding these debts and was deprived of the opportunity to dispute them. Reporting these accounts to your credit bureau without my knowledge or consent constitutes a violation of the law. Please delete these accounts right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I EMAILED XXXX XXXX  THAT THE REMARK KEY ( PPA ) PARTIAL PAYMENT AGREEMENT THEY PUT ON MY WIFE 'S CREDIT REPORT AND MY CREDIT REPORT IS ADVERSE. ACCORDING TO THE FEDERAL CORONAVIRUS AID, RELIEF, AND ECONOMIC SECURITY ( CARES ) ACT, IF YOU MAKE AN AGREEMENT WITH A CREDITOR TO DEFER ONE OR MORE PAYMENTS, MAKE A PARTIAL PAYMENT, FORBEAR, AND DELINQUENT AMOUNTS, MODIFY A LOAN OR CONTRACT, ORGET ANY OTHER ASSISTANCEOR RELIEF BECAUSE COVID 19 AFFECTED YOU, THE CREDITOR MUST REPORT THE ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIESIF YOU WERE NOT ALREADY DELINQUENT. MY WIFE AND I WERE NOT DELINQUENT AT THE TIME OF FORBEARANCE. YET, XXXX XXXX  PUT THE ADVERSE REMARKS ( PPA ) WHICH CAUSED A 73 POINT DROP IN MY CREDIT SCORE. XXXX XXXX  RESPONDED SAYING THEY DID NOTHING WRONG. I WANT XXXX XXXX  TO REMOVE THAT ADVERSE REMARK ON ALL OF THE CREDIT BUREAUS. WE HAVE NEVER MADE ANY PARTIAL PAYMENTS.
Product: Student loan

This my second complaint in addition to my initial complaint which was closed. 

I joined XXXX loan service forgiveness program and account was switched by XXXX to FedLoan my XXXX payment of {$500.00} was due to XXXX on XX/XX/XXXX. It was paid in full and on time. XXXX then switched over my accounts to XXXX two days later on XX/XX/XXXX as the servicer. Once i received the login info for fed-loan and logged on to pay my XXXX installment to the new provider, I then discovered that my accounts were delinquent and 30 days past due. I then contacted XXXX XX/XX/XXXX to find that my payment was not transferred over. I was told that will take up to 60 days to appear in my account. I have submitted various proof including bank documents to XXXX XXXX XXXX and have received ZERO response. It is now XX/XX/XXXX which is well over 60 days past the stated date. XXXX has yet to credit my account when i have provided AMPLE proof including my bank records that this payment was in fact made and no payments have been missed. This has caused my loans to further appear in delinquency as well as negatively affect my outstanding credit score. In order to avoid this I would be forced to make another payment immediately which would cause me financial hardship. I have called almost weekly since the beginning of XXXX to be told no one can help me, and then XX/XX/XXXX they said the billing department finally received my proof which I sent XX/XX/XXXX and it was sufficient. It is now over 10 business days since i have recieved this information and over 16 business days since i sent the proof after months and months of this ... .. and yet still my account is showing an owed balance of {$500.00}. I would like XXXX to apply my money to my account. It is strange to me that my payment process in 3 days however getting a credit has taken months? I feel that XXXX is trying to steal my money and as I said this is negatively affecting my credit score and my ability to purchase other items due to this. I do not think I should have to be punished as someone who pays their bills on time and works very hard to stay afloat.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$1300.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Student loan

I'm sorry for going this route. I am very appreciative of your time during the current uncertainty in the world, and I'm in no way complaining of the wait time. It is completely understandable and expected. I have a student loan that have been reporting on my credit for late, I did not receive a call or anything in the mail about my student loans coming up for payment especially with the current COVID relief for student.
Product: Payday loan, title loan, personal loan, or advance loan

Republic Finance is falsly reporting payment history and has been for over a year causing severe damage to credit payment history. 

There hasn't been any payments reported since XX/XX/year>2023. I'm attaching proof of payment history from their portal. Also paid out payment agreement with them as well. 

I have called and they seem to act like they can't handle this properly.