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

When I left XXXX University in XX/XX/XXXX I had a balance of {$6200.00} in which I was making payments up until XX/XX/XXXX with a remaining balance of {$4200.00} when I went back to school at the University of XXXX. I made one more payment at XX/XX/XXXX to drop the balance at {$4000.00}. From my understanding as long as I am in school at a part time capacity or better and after graduation I have a 6 month grace period. I recently discovered that my credit score got affected negatively in XXXX of XXXX so I asked for my credit report in which it showed that FedLoan Servicing reported to XXXX, XXXX, and XXXX  that my account was delinquent. I've contacted them on 3 separate occasion trying to settle/dispute this account in which I was made to pay {$300.00} on XX/XX/XXXX which they never explained that the account was active again but I was told on 2 other occasion that this was still delinquent because it was past due 90 days and it was suppose to be in the delinquent department which they refuse to give the number for. Now I called again today and was told that the account is not delinquent. 

My complain is with the action they took they have damaged my credit score significantly that it dropped over 200 points. I have never received any type of communication from them either mail, phone calls, or email and I was told that they have tried reaching me with all of this but I have never even received a voice mail. Upon receiving my credit report I see that they have been billing me from XX/XX/XXXX-XX/XX/XXXX and from my understanding I have a 6 month grace period upon graduating from school which I graduated in XX/XX/XXXX. I wasn't even given a 6 month grace period on top of the fact that they never sent any type of communication to me. 

I understand that I owe the loan but the way they handled the matter and destroyed my credit score is  what I'm fighting for. I want them to remove the negative notes they sent to XXXX, XXXX, and XXXX  and fix my credit score. I have a attached a copy of my credit report showing that they have started billing me 1 month after graduation without any communication. This is not fair practice from a financial institution and is a irresponsible actions that can cause possibly not getting a job, can't find a place to stay, or can't get a loan for a home because they ruined my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to transunion twice and filed a report immediately when the accounts appeared on my report to let them know it doesnt belong to me. Dates are XX/XX/21 and XX/XX/21. The still have incorrect information showing up. I took it up on myself to contact the collection agency who reported it without verify if the account even belong to me and contacted the company they are trying to collect for. The collection company sent me a letter stating they asked transunion to remove from my credit however transunion havent and I even call them again over the phone and they said file another dispute. This collection on my report is affecting my financially and this need to fix or action needs to be taken against transunion.
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED. 

TransUnion LLC Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

On or about XX/XX/XXXX I had a credit limit of {$1200.00} with Citibank, NA, i.e., Citi credit card and made a significant payment of about {$900.00}. Almost immediately Citi informed me it was reducing my credit limit to {$500.00}. As a result of this I knew my credit score would be negatively affected as it would unfairly show I was using more than 90 % of my credit limit when in reality my payment would otherwise indicate that I was only using about 30 % of my credit limit. This action by Citi of which I attempted to be corrected by explaining the unfairness of the situation and the negative consequences on my credit score which is vital to me in securing housing in the near future, was met by Citi with absolute indifference and callous regard to my situation. Ive always paid my credit card account with them on time and this is the thanks I get. Please help, I dont want to be forced to live in my car. Thank you for your support.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU DEPT OF ED/XXXX US DEPT ED DPT ED/XXXX
Product: Credit reporting or other personal consumer reports

Hello, Theres an inquiry reporting on my credit thats unauthorized. I never applied for credit with this company. I was a victim of theft, Im asking for a removal of this inqiry from my credit report. ONE MAIN FINANCIAL XX/XX/23.
Product: Mortgage

Have business loan with Bank of America Practice Solution from XXXX. Recently got email from XXXX XXXX ( who did not know the practice name and his own phone number ), that I will have a balloon payment, because it was missing payments for XXXX!!!, Bank fail to sent statements on my accounts, Practice solution destroyed invoices for XXXX, sent fake yearly statements plus disclosed info for other health practices attached to my business, and they attorney sent harassing messages to destroy evidence. Do not recommend deal with this bank, full of criminals.
Product: Credit reporting or other personal consumer reports

I have notified Equifax on at least 6 different occasions in XXXX that I have been the victim of fraud. I have asked them to remove the fraudulent inquiries. On 2 occasions they removed them and reinserted the same inquiries within 30 days. 

Equifax continues to violate the law and my rights. I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the CFPB have brought to light significant concerns regarding Equifax 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days.

Furthermore, under 15 U.S.C.1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request Equifax to remove the following ( 13 ) inaccurate, unverifiable, fraudulent inquiries from my report. 

1.XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX 3.XXXXXXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX/XXXX/XXXX 7.CXXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a missing connection between the bureau and the Experian platform. The Experian platform is showing my discover card as closed. However, it is still open and paid down to {$28.00}. I got my Experian credit report and it is reporting to my credit report, and it used to be reporting to the Experian Platform, but after I paid it off last month on XX/XX/XXXX, the platform closed my XXXX account. I disputed the matter and called them several times to re-open my XXXX card on the platform, but no one is helping me. I asked them to verify my XXXX card as open and they did and said they couldn't help me with why it wasn't showing on the platform. This is hurting me as I apply for loans/ lines of credit, because only half of my available credit limit is showing, less cards are appearing on my account, and my total usage doubled with my XXXX XXXX no longer reporting. 

The Experian bureau also isn't reporting my XXXX XXXX XXXX card to the Experian platform. My XXXX XXXX XXXX is worth {$500.00} and is reporting to Experian 's bureau, and even XXXX XXXX at this point, but Experian again is not showing my open XXXX XXXX XXXX Card Account on their platform. 

The XXXX Account Report number is XXXX, Account Number XXXX, and was submitted on XX/XX/2022. 

The XXXX XXXX XXXX Account Number is XXXX and is showing on the XX/XX/2022 dispute as well. 

My student loans are also showing inaccurately as defaulted on the Experian platform. 
The Experian Bureau resolved my dispute and corrected deleted the three student loan payments off my credit report. 

Yet the Experian Platform is still showing those loans as a defaulted payment. XXXX and XXXX have both deleted the incorrect default student loan payments and brought my account up to current as well. Again, its just Experian 's platform with all the inaccurate information that is unfairly negatively affecting my credit and current credit opportunities because of inaccurate reporting. 

DEPT OF EDXXXX XXXX .... 


DEPT OF ED/XXXX XXXX .... 


DEPT OF EDXXXX XXXX .... 

In accordance with the Fair Credit Reporting Act 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. 

In accordance with the Fair Credit Reporting Act 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. 

In accordance with the Fair Credit Reporting Act 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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau ( CFPB ) Case No # XXXX and # XXXX. I have contacted XXXX per the instruction in letters on XX/XX/year> and XX/XX/year>, to verify to remove me from this account and delete this account from my credit report. This company failed to follow their own procedure and continue to show inaccurate information on my credit repairs. Please remove me this account from my TransUnion, XXXX, and XXXX account immediately. I have followed XXXX steps by contacting XXXX XXXXXXXX XXXX and spoken with a representative and follow up with a dispute to remove.
Product: Payday loan, title loan, personal loan, or advance loan

Account says its been charged off but didnt receive 1099c form
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me XXXX contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Product: Credit reporting or other personal consumer reports

XXXX  not my account my identity has been stolen XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  not my account my identity has been stolen Pro collect inc- XXXX XXXX not my account my identity has been stolen
Product: Mortgage

I applied for a mortgage loan from Atlantic Bay Mortgage through XXXX XXXX. I was told by XXXX that I was denied for the loan because a new law was passed that stated that mortgage lenders had to use 1 % of the borrower 's student loan debt towards their debt to income ratio and that caused my debt to income ratio to be too high to qualify for any type of mortgage loan. She advised that I would receive a denial letter in the mail explaining everything. I did receive a denial letter in the mail, however, the denial reason stated that I withdrew my application, which was not true. I emailed XXXX about this and she has yet to explain why that denial reason was used. She did however state that she would send me another denial letter which I have yet to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I'm not using a third party for this matter. I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. So, I have filed FTC report for this matter. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX these items above should be removed from my report immediately.
Product: Debt collection

I received a letter in the mail from Linebarger Goggan Blair & Sampson , LLP claiming I owe {$97.00} to XXXX XXXX XXXX XXXX. First of all my name is not correct, and secondly I have not lived at the listed address of XXXX XXXX XXXX XXXX XXXX in eight years. That being said I have never recieved written correspondence regarding any debt owed to this so called " XXXX XXXX XXXX XXXX. '' and I dispute any validity to this claim as this supposed " collection firm '' is nothing more than a scam.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.