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

I've been a victim of identity theft, my information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed immediately.
Product: Vehicle loan or lease

I am writing today in regards to my account with MB Financial Services Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/XXXX, due to Covid I was unable to make the payment in XX/XX/XXXX. As soon as I was able to, I got my payment made and caught up.
Product: Debt collection

Im not liable for this debt with XXXX XXXX, I do not have a contract with PORTFOLIO RECOVERY Associates , LLC. They did not provide me with the original contract as I requested.
Product: Debt collection

A company named Security Credit Services which also seems to do business as XXXX XXXX has reported a fraudulent collection of {$960.00} to my credit report. I have tried to resolve this issue with them but they seem to outsource all of their work to a company named XXXX XXXX XXXX and there does not seem to be anything that company can do to resolve my issue. The original debt was created with a company named XXXX XXXX, XXXX on XX/XX/2021 by someone who impersonated my identity and committed fraud. I do not know who this person is and was only made aware of the issue when I found the collection on my credit report. I have since filed a police report with the XXXX XXXX Police Department in XXXX XXXX, Virginia. I have called XXXX XXXX in hopes to clear this up. I have called Security Credit Services to clear this up. I have shared the police report information and besides the fact that I have little idea how to navigate these companies, they are not able to help me clear this up and get the information off my credit report. Specifically, the people at Security Credit Services are rude and not interested in helping to resolve this issue. I have disputed this with each Credit Reporting Company including XXXX, XXXX and XXXX with mixed processes and mixed results. XXXX has deleted the collection account from my report. XXXX still doesn't believe they have enough information. I have not heard back from XXXX yet. These companies are really hard to work with in a modern world. They have archaic systems, their phones are set up to push you to postal mail or their website and they seem very interested in selling their protection services more than they do resolving issues related to fraud and identity theft.
Product: Mortgage

We bought a home and they raised our interest to 10 percent and would not allow a modify the interest and they refused and forced us into a short sale to not be in collection but we than had to pay XXXX to irs because we had a difference we had to pay. It was awful. It was ocwen for XXXX XXXX. They put us through all kinds of XXXX and lots of wasted papers and faxing. Address XXXX XXXX XXXX XXXX  mi XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to all three credit bureaus regarding inaccurate accounts being listed on my reports. All three bureaus ( Equifax, XXXX and XXXX ) responded, but accounts were not removed. 
Per 15 U.S.C 168li-5a : 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 ( XXXX ) 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 ( XXXX  ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The accounts listed below are inaccurate and have been reported with an inconsistent balances or inaccurate payment history. 

Please see the table below for a detailed breakdown. 

I would appreciate an updated credit report with the accounts removed for accuracy. 

Account : XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Balance reporting {$0.00} The high balance is reporting {$0.00} The high balance is reporting lower than the balance. Inaccurate -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Highest Balance Reported : {$0.00} Balance Reported : {$550.00} The high balance is reporting lower than the balance. Inaccurate -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX CHARGE OFF Account number : XXXX Reporting inconsistent date last active between XXXX and Equifax XX/XX/XXXX and XX/XX/XXXX Inaccurate and conflicting information reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account : XXXX XXXX  XXXX XXXX XXXX CHARGE OFF Account Number : XXXX Reporting inconsistent date last active between XXXX and Equifax XX/XX/XXXX XX/XX/XXXX Inaccurate and conflicting information reporting. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account : XXXX XXXX XXXX CHARGEOFF Account number : XXXX High credit balance is {$0.00} Balance is {$0.00} Inaccurate reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account : XXXX CHARGEOFF Account number : XXXX Date of last payment is XX/XX/XXXX via XXXX XXXX Date of last payment XX/XX/XXXX via XXXX XXXX Account listed as collections, but payment history chart says OK for 2-year payment history. Inaccurate payment history reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX CHARGEOFF Account number : XXXX High credit balance is {$0.00} Balance is {$0.00} Inaccurate reporting
Product: Debt collection

I had my transmission go out on my car and could n't afford to get it fixed so i cancelled my insurance since the vehicle was XXXX XXXX able. The insurance company did n't record me cancelling my services on the phone call or refused to correct their mistake and are attempting to collect a debt that never should have been a debt to begin with by selling the debt to a collection company.
Product: Student loan

Sallie Mae does n't provide a form XXXX for student loan interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, Experian and XXXX   correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. Experian has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and XXXX have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
Product: Credit card or prepaid card

Citi Bank credit card gave me a 24.50 % interested rate when I have a XXXX fico score with all three bureaus and have not missed a payment gone over 20 % utilization on any card in over 8 years. My debt ratio is 40 %. I called them, they could not answer and would not answer me why my rate was given at 24.50 % with an exceptional credit score and history. The manager who said she was recording my voice for some voice print technology which I am against said you won't get that information from Citi it is proprietary. I want to know why they give rates over 20 % to almost perfect credit histories then can't and won't explain it. I want written explanation of how rate was arrived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX 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 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 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

This debt was apart of the federal lawsuit against the student debt companies. Biden against the student debt companies the suit was in Bidens favor he won, they only removed a portion of my debt and said I still owed when debt removal was up to XXXX. I have fighting against them to remove this debt over two years. I do not owe this debt this debt was filed with XXXX  online for debt removal. I filed a XXXX XXXX and a debt removal form earlier this year.
Product: Credit card or prepaid card

I have a Visa with Capital One that had fraudulent charges on, which they took care of. They closed the account and issued a new card. When I received the new card, I put it in my safe and did not activate it. I started receiving phone calls from Capital One telling me that my account was delinquent on a card that I had not activated and had no previous balance. I looked online at the 'charges ' and the same fraudulent charges were being applied to my new, inactive card. Once again, Capital One reversed the charges, closed the account, and issued a new card. They also said that they would block any and all transactions from the companies that were charging my card with fraudulent charges. I received the new card and once again, it is being charged by those same companies for services I have never used nor authorized. Those companies are XXXX XXXX and XXXX. I want to know how an account that has never been activated can have charges on it and how is my account information being shared? I am the only person with access to that card and have not given it to anyone. The fraud has to be initiating inside Capital One. I want answers. There is no reason those charges, which amounted to THOUSANDS of dollars should have ever been allowed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX  I Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX   XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally request that certain fraudulent items be blocked from my credit report under Section 605 of the Fair Credit Reporting Act ( FCRA ). I have identified hard inquiries and collection/charge off that have been reported as a result of identity theft, and as such, I believe these entries must be removed from my credit file. I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appeal on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent hard inquiries and charge off are as follows : XXXX XXXX acct # XXXX wrong amount reporting as well as account status. Webbank/fingerhut acct # XXXX previously deleted per your reinvestigation item has now reappreared.hard iquiries are 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 XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. As stipulated by FCRA Section 605B, you are required to block fraudulent information from my credit report within 4 business days of receiving this request and all necessary documentation. Please confirm in writing that the requested items have been blocked within the required timeframe. If any additional information is required to process this request, please notify me promptly so that I can provide it without delay. I appreciate your prompt attention to this matter, and I look forward to receiving confirmation of the removal of these fraudulent accounts from my credit report. I have attached supporting documentation, including Identity Theft Report that verifies the fraudulent nature of these accounts, as required by the FCRA. Additionally, I have enclosed copies of my government-issued ID, proof of address, and any other documents necessary to validate my claim. In accordance with the FCRA, I respectfully request that you block this fraudulent information from my credit report and notify all relevant parties of the action taken. I understand that you have a limited time frame to process this request and to confirm that the fraudulent information has been blocked. Please confirm the successful completion of this action in writing.

Thank you for your prompt attention to this matter. I look forward to your response and the removal of these fraudulent entries from my credit file. 
Sincerely, XXXX XXXX Attachments : Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Debt collection

On XX/XX/XXXX We sold a Ford F250 truck to an individual. We did not remove the license plate from the vehicle at the time of sale. The new owner apparently did not register the vehicle in his name and acquire a new license plate. He acquired XXXX parking violations ( XX/XX/XXXX and XXXX ) which totaled {$20.00} each plus penalties, for a total of {$160.00}. He failed to pay the tickets and we were sent the citations, because the license plates still showed us to be the owner. When the City of XXXX XXXX sent us the citation I sent them a letter and copy of bill of sale and title transfer. They continued to send notices and I would each time send copies. They referred the matter to XXXX XXXX XXXX and they began harassing calls and letters. I sent them the copies as well. XXXX XXXX has now passed on the debt to Transworld Systems who has continued the harassment. I copied them on the same information on XX/XX/XXXX. In response, On XX/XX/XXXX I received their " validation, '' which is the same info of the date, time, ticket #, truck plate. I want all correspondence to cease regarding this debt which is clearly not ours. In addition to the collection agencies we also had a revocation of motor vehicle registration privileges placed on us by the XXXX DPS, which required more documentation and time to clear up.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account XXXX  XXXX  XXXX BALANCED {$970.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$1000.00}
Product: Student loan

I initiated a payment with Nelnet on XX/XX/23 in the amount of {$680.00}. The payment was withdrawn from my XXXX XXXX checking account on XX/XX/23. I have provided Nelnet with the bank statement and Nelnet payment confirmation email. The payment was no applied to the student loan as instructed. I have contacted Nelnet every day from XX/XX/23 to XX/XX/23 and have been told either someone will call me eventually or they have no record of my payment. It is important to note I canceled a payment of {$680.00} on XX/XX/23, as I keyed in the incorrect amount. I proceeded to initiate another payment ( the one in question ) for the correct amount of {$680.00}. After submitting documentation via email multiple times, Nelnet is stating to send in the documentation again. I am making no progress with Nelnet. Nelnet is also asking me to provide Personal Identifiable Information ( PII ) such as my name, date of birth and account number via email. This email is not secured and sending PII through unsecure technology is not a recommended practice. I am asking that Nelnet fix the error at hand and apply my payoff to the correct loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : XXXX  # XXXX. 
Inquiries : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This " reporting agency '' does not do what is in the best interests of the consumer. XXXX XXXX did 3 hard inquiries that were unauthorized. I reported this immediately to all three credit bureaus, the Attorney general and the FTC. I even had to file a complaint against this scam company to the CFPB ( Complaint ID : XXXX-XXXX ). Nevertheless, they will not remove these hard inquiries from my credit report citing that people are allowed to pull inquiries whether its authorized or not specifically authorized. If this is the case, then these inquiries should not affect a persons credit score and reflect negatively on a credit report. When I call the credit bureaus, they do not remedy the problems. When I write the credit bureaus, they do not remedy the problems. Who has the best interests of the consumer? I did not authorize the hard inquiries from this scam broker and if the credit bureaus had investigated my complaint like they said they did, there would be NO evidence to support their inquiry into my credit and the inquiries would had to have been removed. A quick XXXX search will show how crooked and shady this person is. XXXX XXXX of XXXX XXXX XXXX was not authorized to pull any inquiries on my behalf. He has refused to respond to the CFPB, FTC, and Attorney General regarding my complaints against him and his company. Why do the credit bureaus continue to mislead consumers with regards to their investigative practices? They never investigate anything until an official complaint is launched against them.