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

Early warning systems has accounts that were open up fraudulently in my name and has refused to acknowledge that Ian a victim of identity fraud, I have sent numerous letters and information proving the identity theft and Im being ignored by this credit reporting agency I want all these accounts removed I do have an attorney who I have hired, I have sent several documents showing my information was compromised and that information has been sent many times, I will keep this complaint as proof of my demand is not met of having these fraudulent accounts removed I will sue In arbitration and force these accounts to be removed and ask for damages to be paid and correction of my report.
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.u.s.u. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
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...

15 u.s.c 1681 C. ( 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 than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX many times about the multiple FCRA VIOLATIONS reporting on my consumer reports. The information is incomplete and inaccurate. Also the reporting is a violation of my privacy. 

Account Number is XXXX XXXX5 USC 1666b TIMING OF PAYMENTS 15 USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 15 USC 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES.

1099-C HAS NOT BEEN MAILED TO ME CONSIDERING THE COMPANY CLAIMS THE DEBT IS A CHARGE OFF WHICH ACCORDING TO THE 1099 C THAT MEANS THE DEBT IS CANCELLED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from XXXX  regarding late payments or my account going into default this account is showing as a charge off on my report XXXX XXXX is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, today is XX/XX/XXXX I noticed on my credit report there are some inaccurate things on my equifax that shouldn't be there. Maybe they are also on the other credit agencies also I am unsure. I called the company and explained it was fraud a while back and they said they would remove it due to the fact i never signed anything and have no knowledge of the erroneous inquiry 's there talking about. There is a company State Employees Cred keeps running my credit score i will give you the dates now. I told them to block my name from there system as it's not me requesting here are the dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I am unsure how this keeps happening and I was told by customer service months ago and today this would all be taken care of. I do not believe them. I was told by a friend to come here that you guys fix inaccurate information. I never authorized all those hard inquires. Have no knowledge of it.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX / XXXX - XXXX
Product: Credit reporting

In XXXX i purchased a XXXX computer, made payments on it for several years, I fell behind, the interest rate was extremely high andI couldnt get to the balance. I stopped making payments in XXXX. Its been over 10 years and the negative response is still on my credit report. The original company, XXXX sells it off to XXXX a while back then it gets sold to XXXX company and they say the origianal creditor is XXXX. That is false they keep selling it off and repeating it over and over, and do this over 10 years, and keeping it current. Please look into this.
Product: Credit reporting or other personal consumer reports

A freeze was initiated in XXXX, and I have reached out via mail, phone, and online via my Equifax account in attempts to have the freeze lifted. XXXX and XXXX lifted their respected freezes on my credit report and information, and yet Equifax refuses to do so, and refuses to take my requests seriously- regardless of the fact that I have sent proof of my identity via mail ( as requested ) XXXX or XXXX times between XXXX and present XXXX. This issue requires immediate attention from Equifax 's legal department. 
The inability of the Equifax team to release the hold/freeze on my credit information has resulted in significant negative impacts on my ability to secure loans, obtain credit cards, and achieve financial stability. As identified above, I have made numerous attempts to rectify this issue through the standard dispute process, but the responses and actions taken by Equifax have been insufficient and ineffective. As a result, I am now seeking legal intervention to ensure that my credit report is released, accurate and reflective of my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently been laid off due to the COVID-19 Pandemic. I am no longer a college student and was working full time. My loans are now in forbearance which I'm grateful for. However, I was not aware that I had upcoming payments due and that I was coming out of grace period. This was due because I rarely use the email that is on file in which FedLoan sends those alerts. As a result of this, I was reported missing XXXX payments which dropped my score by more than 100 points. Once I discovered I was out of grace period I immediately got caught up on my payments and enrolled in autopay.
Product: Checking or savings account

XXXX made an unauthorized charge using my cancelled US Bank debit card for the amount of {$300.00}. The XXXX claimed that the charge was towards room booking at XXXX XXXX XXXX, in XXXX XXXX from XX/XX/XXXX th to XX/XX/2022. I ascertained that I never made the booking. Besides. I have a checking account at US bank for which the cancelled debt card was attached. I complained XXXX times about this unauthorized charge with both US Bank as well as XXXX. When I disputed this unauthorized charge with XXXX, they insisted that there was no record of any reservations made on those days. In addition, they denied that they have no record of the collected charge of {$300.00}. 

However, US bank debited the amount from my account of $ which has to be reversed.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

My issue is with transwold system inc, they pulled my credit, and made repeated telephone calls to my current and previous cell phone numbers. I dispute the debt and I 've asked for them to validate the alleged debt with documents show their company name. And that has n't been done. They have n't produced documentations to show where I 've gave them direct permission to be calling my phones either home or cell. Plus, there are several inquiry on my credit report. And the debt is dated in late 1980 's. I did n't remember signing any loan for school.. Plus, I did n't even had a cell phone in the 80 's. So my question to them, is how and where did they get my current and previous numbers to call me.
Product: Credit reporting, credit repair services, or other personal consumer reports

between XXXX and XX/XX/2018 after looking at my EQUIFAX credit file I noticed a list errors and accounts not belonging to me.I disputed the accounts and EQUIFAX stated they were removed. Six months XX/XX/2018 later the accounts are still on my file! Please see attachements! EQUIFAX STATED THE ITEMS HAVE BEEN REMOVED! Why are they still showing on my credit file, All items deleted by EQUIFAX but still remains on my credit file! See attachments for proof! 
Personal finance-deleted XX/XX/2018 Personal finance-deleted XX/XX/2018 Bankruptcy-deleted XX/XX/2018 EQUIFAX GUIDELINES STATES IF A ITEM STATES DELETED THEY HAVE REMOVED IT FROM YOUR CREDIT REPORT AND TAKEN STEPS SO IT DOES NOT REAPPEAR! I have highlighted ALL supporting documents
Product: Checking or savings account

Suntrust COVID " non-access to service '' is out of control. I do two wires every month. Fine, I will do drive through. Now Suntrust pulled that from my branch where everyone knows me. So now I have to drive across town and do international wires with people that don't know me. if you know me and you see my face on camera and you have my ID, let me do my XXXX wire. 

I have a safe deposit box. I have important documents and sometimes need to deposit cash instead of keeping it with me and risk having it stolen. Today {$7000.00} in cash. I called to come over to get to my box to make my cash safe. I'm told I have to make an appointment and I have to wait 3 to 4 more days for an appointment. GET MORE STAFF SO YOU CAN HANDLE YOUR CUSTOMERS. A few weeks ago I had to stop a closing on a property becuase Suntrust would not give me access to my box. If we can't use the boxes then just close all of them so we can take our business somewhere else. 

This merger is a disaster already. I don't mind sitting in my car for 30 mins to keep us all safe, but OFFER THE SERVICES THAT YOU ARE SUPPOSE TO OFFER TO YOUR CUSTOMERS. You keep charging me stupid XXXX fees on my account and then refuse to help me. I'm NOT A HAPPY CUSTOMER!!
Product: Debt collection

I continue to get collections letters from a Titans Receivables advising that I owe money from a bail. I have never bailed out anyone and I do not know anyone by the name of XXXX. The bill is also spelling my name incorrect. This may be identity theft but I am not sure since I have not lost my ID in years. This is not my bill. The first bill stated a little over XXXX dollars, now I have bills stating {$3500.00} and {$4000.00} as if this is collecting interest on my credit report.
Product: Mortgage

Approximately two years ago, NewRez, LLC purchased our VA mortgage. They, once again have increased our mortgage approximately {$800.00}. They add this XXXX XXXX to our mortgage. We had to get an attorney last year and the issue was resolved. I talked to a representative from the company, twice, to try to resolve the issue. They informed me that our property insurance increased. I contacted XXXX, who we have our property insurance. The insurance did increase, but not {$800.00} per month. 
In addition, my wife and I are XXXX percent military related XXXX and are exempt from property taxes in Virginia. 
This company per our research on the XXXX  website has a history of this deceptive practice, and needs to be stopped.
Product: Student loan

Mohela is my loan provider. I have tried multiple times to create an account, but it states they can not locate me in the system even though I am providing my social security number. I have applied for Public Service Loan forgiveness twice and haven't heard back from them and it has been over three years. I believe the reason is because I am not recognized in their system. I have also applied for the SAVED program and INCOME DRIVEN loan forgiveness because I have XXXX children and a single parent and none of them have been processed as well. I was going to consolidate to receive loan forgiveness, but it states I don't have any dependents and wouldn't qualify for loan forgiveness that way which is not accurate. I am a single mother of XXXX children and filed for bankruptcy twice. You are not able to connect to anyone through Mohela. They provide customer service numbers that do not work.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report Radius Global Solutions attempts to collect a debt that does not belong to me. The account in question ( # XXXX ) is listed as a collection account, yet I have no knowledge of this debt and have never had any financial dealings with the original creditor, XXXX XXXX XXXX XXXX. Despite disputing the validity of this debt in writing, Radius Global Solutions has failed to provide adequate documentation to validate the debt. 
Specifically : I requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ).

Radius Global Solutions did not provide a copy of the original signed agreement or contract that establishes my obligation to this debt. 

Radius Global Solutions has not provided an itemized breakdown of the debt, including the principal amount, fees, and interest charges. 

The company continues to report this debt to credit reporting agencies, damaging my credit profile without proper validation.

Furthermore, this account may have been the result of identity theft, as I am a victim of the XXXX data breach. This raises serious concerns about the legitimacy of Radius Global Solutions collection activities and their compliance with federal laws. 
How This Has Affected Me : Radius Global Solutions actions have caused undue stress and negatively impacted my credit score.

The inaccurate reporting has created barriers to accessing credit and other financial opportunities.

Their failure to provide proper validation and continued attempts to collect on an invalid debt have violated my rights under the FDCPA.
Product: Student loan

I 've been struggling for years to repay my loans at 13 and 11 percent interest rates. I 'm 60k plus in debt. The customer service reps wo n't tell me what enitites hold my loans, and due to the exorbitant costs of my interest rates, I ca n't touch my principal. They offer scant info on refinancing and my credit suffers as I try to make ends meet. The best way I can describe Navient 's tactics is predatory.
Product: Debt collection

All of my Student loans were discharged, not in bankruptcy, but because I had been in and out of XXXX and was completely unable to pay. I am still unable to pay the 1983 debt they are attempting to collect now. It was not a Federal student loan as depicted, but a collection of fees from university of XXXX for things like parking tickets. The debt is decades past statute of limitations. This company keeps trying this with me under different names such as XXXX, trying to get me to make a payment thus obligating myself legally to whatever inflated amount they choose, because it worked once and I 'm still paying them. They are likely doing this to multiple people and need to be investigated. They have changed the name of their business again. I 'm sure if this amount was paid, they would come after me again with yet another moniker to collect under. This debt is both misrepresented as Federal and well beyond statute of limitations.
Product: Credit card

I, XXXX XXXX, signed up for a Delta Skymiles card aroundXX/XX/XXXXXX/XX/XXXX from American Express through a referral code from my partner, XX/XX/XXXX One of the conditions that an American Express representative told us as part of the referral was a {$150.00} statement credit on her card after I spent a certain amount with Delta Airlines. On calls prior to and after I spent the specified amount on Delta Airlines Purchases, American Express agents had expressed that we meet the conditions of the agreement. Specifically, we called after I had spent the qualifying amount and the agent agreed that she saw we had spent the qualifying amount. She never received the statement credit, so we have now called multiple times to get resolution. Each time, they don't contact us back ever and we have to eventually call again only to find out they closed the ticket and said we did not have that as part of the terms for the referral. We have called at least 5+ times now and then has been ongoing for over a year, giving them ample time to fix it. We have requested reviews of the previous phone calls, which they state they have done, but they have not provided us the phone call recordings, nor am I confident that they actually have the recordings. Due to not receiving these credits, my partner left her card open for an additional year and incurred an additional {$99.00} in annual charges even though she wanted to close the card due to inadequate customer service. Additionally, we specifically chose to go through this referral when starting my card when I had a better offer available at the time where I could have gotten more points to start my card individually. We have wasted many hours on this, and the lack of feedback from American Express on each occasion has consistently left us in the dark. We have also been sent in circles multiple times where some representatives say that I should be the one contacting them and some say that she should be the one contacting them, so we spent hours calling back and forth. For all calls. I do not remember if we called through using my card information or my partner 's card information, so the recorded calls could be under either of our accounts ( assuming they did actually record the calls like they stated ). We would like to get this resolved, so we can stop wasting so much time on it, but we don't want the large credit card company to have cheated us, so we keep on trying to find resolution. The way they have been treating this like we're lying has been frustrating. Both of us are certain of this offer, and we verified it with American Express representatives on multiple occasions and also recorded it in our personal notes/planners at the time of the calls. I don't know if they are just negligent or if they are purposefully lying to us, but the whole situation has been frustrating and so wasteful of our time and money. We just want them to give us what they promised us.
Product: Credit reporting or other personal consumer reports

I filed a valid Identity Theft Report and submitted a copy to TransUnion via the CFPB on XX/XX/XXXX. TransUnion responded 30 days later, completely ignoring my valid identity theft report stating the accounts were verified and update. I will like a complete and full summary of the procedure utilized by creditor within 15 days. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Mandated by FCRA 15 USC 1681c-2. Section 605B is clear : upon receiving a valid identity theft report.credit reporting agencies ( CRAs ) must block the reporting of any information that is a result of identity theft within 4 business days. 
The XXXX accounts listed is linked to identity theft : XXXX XXXX XXXX XXXX. Account # XXXX ; XXXX XXXX ( original creditor : XXXX XXXX  ), account # XXXX ; XXXX XXXX XXXX TransUnion lack of timely action constitutes a violation of federal law and subjects your agency to regulatory action. Given TransUnion failure to act, I am now filing a complaint with the CFPB under USC 1681s. This case will also reference court president in XXXXXXXX XXXX TransUnion LLC, XXXX XXXX XXXXXXXX, where the CRAs failure to adhere to prompt compliance with the FCRA XXXX was ruled as a negligent violation, and subject to significant penalties. 

TransUnion failure to act not only violates 605B, but also disregards the legislative intent behind the FCRA, which is designed to protect consumers from severe consequences of fraudulent reporting of identity theft. TransUnion 's failure to act appears to be in direct convention of the court 's stance in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), where it was established that credit report agencies bear significant responsibility in ensuring accuracy, and must adequately address disputes involving identity theft. By refusing to block these fraudulent entries on my report, TransUnion is knowingly and willfully neglecting this duty. Furthermore, in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXXXXXX ), the court underscored the consumer 's right to a fair investigation by the CRAs. In failing to fulfill their legal obligations, TransUnion has also demonstrated non-compliance with the CFPB 's XXXX bulletin on credit reporting agencies responsibilities in the handling of identity theft complaints.
Product: Credit reporting or other personal consumer reports

violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
Delete immediately XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report